Credit union · Rhode Island

Ocean State Credit Union auto loan rates compared

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Rhode Island · Headquarters Rhode IslandChecked Nov 13, 2026Rate page on oceanstatecu.org

EligibilityPer Ocean State: To become a member of Ocean State Credit Union and take advantage of the credit union’s services, you must open a Share Account with a maintained $5.00 balance. Ocean State Credit Union has grown to become a statewide credit union offering, safe, secure products and services. With five branches located from Coventry to North Kingstown and border-less online and mobile banking, Ocean State Credit Union has become a financial resource to people seeking the best in personalized service and smart banking products.

Visit lender Opens oceanstatecu.org

Lowest new rate

6.00%APR, as low as

NewUp to 60 monthsOcean State Credit Union

Example: $25,000 financed for 60 months at 6.00% APR. Estimated payment: $484/mo

Needs 10% down or GAP coverageNeeds 10% down or GAP coverage: Lender requirement: needs 10% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.

RI lender. Not all qualify, see requirements.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

Examples assume $25,000 financed, fixed APR, $0 down, no fees.

NewNew car rates · 3 rates

RIChecked Nov 13, 2026

New
As low as

6.00%APRUp to 60 months

Example: $25,000 financed for 60 months at 6.00% APR. Estimated payment: $484/mo

Requires:Needs 10% down or GAP coverageNeeds 10% down or GAP coverage: Lender requirement: needs 10% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 60 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. New Vehicle: "Must Have Full Insurance Coverage". Up to 60 months, New 6.00% APR, 10% Down Payment or GAP Coverage. "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 6.00% APR, new, up to 60 monthsVisit lender, Ocean State Credit Union, 6.00% APR, new, up to 60 months ↗

RIChecked Nov 13, 2026

New
As low as

7.25%APRUp to 72 months

Example: $25,000 financed for 72 months at 7.25% APR. Estimated payment: $430/mo

Requires:Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 72 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. New Vehicle: "Must Have Full Insurance Coverage". $10,000 minimum, Up to 72 months, New 7.25% APR, 15% Down Payment or GAP Coverage. "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 7.25% APR, new, up to 72 monthsVisit lender, Ocean State Credit Union, 7.25% APR, new, up to 72 months ↗

RIChecked Nov 13, 2026

New
As low as

7.75%APRUp to 84 months

Example: $25,000 financed for 84 months at 7.75% APR. Estimated payment: $387/mo

Requires:Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 84 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. New Vehicle: "Must Have Full Insurance Coverage". $20,000 minimum, Up to 84 months, New 7.75% APR, 15% Down Payment or GAP Coverage. "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 7.75% APR, new, up to 84 monthsVisit lender, Ocean State Credit Union, 7.75% APR, new, up to 84 months ↗
6.00%APR

New car

Visit lender, Ocean State Credit Union, 6.00% APR, new, up to 60 months

RIChecked Nov 13, 2026Up to 60 months

Example: $25,000 financed for 60 months at 6.00% APR. Estimated payment: $484/mo

Needs 10% down or GAP coverageNeeds 10% down or GAP coverage: Lender requirement: needs 10% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
7.25%APR

New car

Visit lender, Ocean State Credit Union, 7.25% APR, new, up to 72 months

RIChecked Nov 13, 2026Up to 72 months

Example: $25,000 financed for 72 months at 7.25% APR. Estimated payment: $430/mo

Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $10,000Min. loan $10,000: The lender publishes this rate with a $10,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
7.75%APR

New car

Visit lender, Ocean State Credit Union, 7.75% APR, new, up to 84 months

RIChecked Nov 13, 2026Up to 84 months

Example: $25,000 financed for 84 months at 7.75% APR. Estimated payment: $387/mo

Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $20,000Min. loan $20,000: The lender publishes this rate with a $20,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

UsedUsed car rates · 4 rates

RIChecked Nov 13, 2026

Used
As low as

7.00%APR24 months

2019–2020 models

Example: $25,000 financed for 24 months at 7.00% APR. Estimated payment: $1,120/mo

Requires:Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as 24 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. Used Vehicle: "Must Have Full Insurance Coverage. Maximum Mileage = 90,000 miles." Model Year 2019-2020, 24 Months, 7.00% APR, 15% Down Payment or GAP Coverage. "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 7.00% APR, used, 24 months, 2019–2020 modelsVisit lender, Ocean State Credit Union, 7.00% APR, used, 24 months, 2019–2020 models ↗

RIChecked Nov 13, 2026

Used
As low as

7.00%APR36 months

2021–2022 models

Example: $25,000 financed for 36 months at 7.00% APR. Estimated payment: $772/mo

Requires:Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as 36 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. Used Vehicle: "Must Have Full Insurance Coverage. Maximum Mileage = 90,000 miles." Model Year 2021-2022, 36 Months, 7.00% APR, 15% Down Payment or GAP Coverage. "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 7.00% APR, used, 36 months, 2021–2022 modelsVisit lender, Ocean State Credit Union, 7.00% APR, used, 36 months, 2021–2022 models ↗

RIChecked Nov 13, 2026

Used
As low as

7.00%APR48 months

2023–2024 models

Example: $25,000 financed for 48 months at 7.00% APR. Estimated payment: $599/mo

Requires:Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as 48 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. Used Vehicle: "Must Have Full Insurance Coverage. Maximum Mileage = 90,000 miles." Model Year 2023-2024, 48 Months, 7.00% APR, 15% Down Payment or GAP Coverage. "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 7.00% APR, used, 48 months, 2023–2024 modelsVisit lender, Ocean State Credit Union, 7.00% APR, used, 48 months, 2023–2024 models ↗

RIChecked Nov 13, 2026

Used
As low as

6.25%APR60 months

2025–2026 models

Example: $25,000 financed for 60 months at 6.25% APR. Estimated payment: $487/mo

Requires:Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as 60 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. Used Vehicle: "Must Have Full Insurance Coverage. Maximum Mileage = 90,000 miles." Model Year 2025-2026, 60 Months, 6.25% APR, 15% Down Payment or GAP Coverage. "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 6.25% APR, used, 60 months, 2025–2026 modelsVisit lender, Ocean State Credit Union, 6.25% APR, used, 60 months, 2025–2026 models ↗
7.00%APR

Used car

Visit lender, Ocean State Credit Union, 7.00% APR, used, 24 months, 2019–2020 models

RI · 2019–2020 modelsChecked Nov 13, 202624 months

Example: $25,000 financed for 24 months at 7.00% APR. Estimated payment: $1,120/mo

Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
7.00%APR

Used car

Visit lender, Ocean State Credit Union, 7.00% APR, used, 36 months, 2021–2022 models

RI · 2021–2022 modelsChecked Nov 13, 202636 months

Example: $25,000 financed for 36 months at 7.00% APR. Estimated payment: $772/mo

Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
7.00%APR

Used car

Visit lender, Ocean State Credit Union, 7.00% APR, used, 48 months, 2023–2024 models

RI · 2023–2024 modelsChecked Nov 13, 202648 months

Example: $25,000 financed for 48 months at 7.00% APR. Estimated payment: $599/mo

Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.25%APR

Used car

Visit lender, Ocean State Credit Union, 6.25% APR, used, 60 months, 2025–2026 models

RI · 2025–2026 modelsChecked Nov 13, 202660 months

Example: $25,000 financed for 60 months at 6.25% APR. Estimated payment: $487/mo

Needs 15% down or GAP coverageNeeds 15% down or GAP coverage: Lender requirement: needs 15% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.Max 90k milesMax 90k miles: Lender requirement: max 90k miles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

RefiRefinance rates · 2 rates

RIChecked Nov 13, 2026

Refi
As low as

6.25%APRUp to 36 months

Example: $25,000 financed for 36 months at 6.25% APR. Estimated payment: $764/mo

Requires:Needs 10% down or GAP coverageNeeds 10% down or GAP coverage: Lender requirement: needs 10% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.new onlynew only: This rate applies only to new vehicles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 36 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. New Vehicle: "Must Have Full Insurance Coverage". Up to 36 months, Refinance a New Auto 6.25% APR+, 10% Down Payment or GAP Coverage. "+ Call For Vehicle Refinancing Rate (401) 397-1900 ext. 2101". "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 6.25% APR, refi, up to 36 monthsVisit lender, Ocean State Credit Union, 6.25% APR, refi, up to 36 months ↗

RIChecked Nov 13, 2026

Refi
As low as

6.75%APRUp to 60 months

Example: $25,000 financed for 60 months at 6.75% APR. Estimated payment: $493/mo

Requires:Needs 10% down or GAP coverageNeeds 10% down or GAP coverage: Lender requirement: needs 10% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.new onlynew only: This rate applies only to new vehicles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Advertised as up to 60 months. Auto & Consumer Loan Rates, Rates effective as of November 5, 2025. New Vehicle: "Must Have Full Insurance Coverage". Up to 60 months, Refinance a New Auto 6.75% APR+, 10% Down Payment or GAP Coverage. "+ Call For Vehicle Refinancing Rate (401) 397-1900 ext. 2101". "GAP Coverage Available. Some Restrictions Apply. Rates Are Subject to Change."

Checked Nov 13, 2026Source oceanstatecu.org

Calculate payment, Ocean State Credit Union, 6.75% APR, refi, up to 60 monthsVisit lender, Ocean State Credit Union, 6.75% APR, refi, up to 60 months ↗
6.25%APR

Refinance

Visit lender, Ocean State Credit Union, 6.25% APR, refi, up to 36 months

RIChecked Nov 13, 2026Up to 36 months

Example: $25,000 financed for 36 months at 6.25% APR. Estimated payment: $764/mo

Needs 10% down or GAP coverageNeeds 10% down or GAP coverage: Lender requirement: needs 10% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.new onlynew only: This rate applies only to new vehicles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures
6.75%APR

Refinance

Visit lender, Ocean State Credit Union, 6.75% APR, refi, up to 60 months

RIChecked Nov 13, 2026Up to 60 months

Example: $25,000 financed for 60 months at 6.75% APR. Estimated payment: $493/mo

Needs 10% down or GAP coverageNeeds 10% down or GAP coverage: Lender requirement: needs 10% down or GAP coverage. Your rate still depends on creditworthiness, term, and eligibility.new onlynew only: This rate applies only to new vehicles. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures