Non-affiliation with Regional Finance
RegionalsFinance.com is an independent loan-request and borrower-education service. It is not affiliated with, endorsed by, sponsored by, or operated by Regional Finance or Regional Management Corp. "Regional Finance" and related names are trademarks of their owners and are used here only to identify that company and describe its products.
We cannot access, service, or take payments on any Regional Finance account. For account help, contact Regional Finance through its official channels.
We are not a lender
RegionalsFinance.com does not make loans or credit decisions. Submitting a loan request does not guarantee that you will be approved, receive an offer, or be matched with Regional Finance or any specific lender. Lenders set their own rates, fees, terms, and eligibility rules, which vary by state.
Advertiser and compensation disclosure
RegionalsFinance.com may receive compensation from lenders, lending networks, or other partners when you submit a loan request or accept an offer. Compensation may affect which offers you see and the order in which they appear.
Compensation does not affect the facts we publish about Regional Finance or any lender. Our editorial policy explains how we keep content independent.
Representative APR example
APRs on consumer installment loans vary widely by state, loan amount, term, and credit profile. Third-party reviews report advertised APRs for Regional Finance of about 24% to 35.99% on larger loans, with higher APRs possible on small loans.
| Amount | APR | Term | Monthly payment | Total of payments | Total interest |
|---|---|---|---|---|---|
| $3,000 | 35.99% | 24 months | $177.13 | $4,251.03 | $1,251.03 |
| $5,000 | 29.99% | 36 months | $212.23 | $7,640.30 | $2,640.30 |
These examples are for illustration only and assume equal monthly payments, no fees financed into the loan, and on-time payments. They are not an offer of credit. Your actual APR, payment, and fees will appear on the lender's Truth in Lending Act disclosure. Try your own numbers with our loan calculator.
Implications of non-payment
Missing a payment can lead to late fees, NSF fees, collection activity, and negative reporting to the credit bureaus, which can lower your credit score. If a loan is secured by a vehicle, the lender may repossess it after default. Contact your lender immediately if you expect to miss a payment.
Credit checks
Lenders may perform a soft credit check to prequalify you, which does not affect your credit score. If you proceed with an offer, the lender may perform a hard inquiry, which can lower your score slightly.
Information accuracy
We work to keep all Regional Finance information accurate and current, but lender terms can change without notice. Information on this site is educational and is not financial, legal, or tax advice. Verify all terms with the lender before you sign.
See also our terms of use, privacy policy, responsible lending page, and the Regional Finance loans overview.