Womack describes "Lovely Rita" as a work of "full-tilt psychedelia" that contrasts sharply with the preceding track. Citing McCartney's recollection that he drew inspiration from learning that the American term for a female traffic warden was a meter maid, Gould deems it a celebration of an encounter that evokes Swinging London and the contemporaneous chic for military-style uniforms. MacDonald regards the song as a "satire on authority" that is "imbued with an exuberant interest in life that lifts the spirits, dispersing self-absorption". The arrangement includes a quartet of comb-and-paper kazoos, a piano solo by Martin, and a coda in which the Beatles indulge in panting, groaning and other vocalised sounds. In Gould's view, the track represents "the show-stopper in the Pepper Band's repertoire: a funny, sexy, extroverted song that comes closer to the spirit of rock 'n' roll than anything else on the album".