North Providence, RI · Northeast · Allowed
Payday loans in North Providence
North Providence is governed by Rhode Island's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Rhode Island. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in North Providence
32,494 residents · Providence County Median household income is $51,758 — below the Rhode Island median of $63,805.
1 storefront location of 1 company listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 1744 Mineral Spring Avenue -, 02904 | (401) 354-5870 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Rhode Island page before visiting. Spot an error? Report it.
The online route in North Providence
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Rhode Island follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Rhode Island regulator.
The rules behind the numbers
Deferred deposit transactions are short-term loans designed for immediate cash needs and should not be used for long-term credit needs.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in North Providence has to fit inside that schedule.
Statute: R.I. Gen. Laws § 19-14.4-1 et seq.
Regulator: Rhode Island Department of Business Regulation - Banking Division · dbr.ri.gov
Questions people ask in North Providence
Are payday loans legal in North Providence, RI?
Yes. Storefront payday lending is permitted across Rhode Island, and North Providence runs under the same state rules: maximum loan $500, fees capped at 15% of amount advanced ($15 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in North Providence?
The same as anywhere in Rhode Island: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in North Providence?
1 storefront is listed in North Providence in our 2022-02-20 directory snapshot (1 different company). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in North Providence?
Complaints about a lender go to the Rhode Island Department of Business Regulation - Banking Division (dbr.ri.gov) — keep the loan agreement and every fee disclosure you were given.