Regional Finance FAQ

Regional Finance is the consumer-lending brand of Regional Management Corp. (NYSE: RM), based in Greer, South Carolina. It offers fixed-rate installment loans through 353 branches in 19 states as of year-end 2025. Learn more on About Regional Finance.

You can usually start online and prequalify. Reviewers report that many loans are finalized or serviced through a local branch, where you may sign documents.

Prequalification takes a few minutes. Final approval depends on verifying your documents, and reviewers report approval within about 24 to 48 hours.

Funding is often within about one business day after approval and verification. Funds arrive by check at a branch or by ACH deposit.

Plan on a valid government-issued ID, proof of income, and proof of residence. See the full Regional Finance requirements checklist.

You must be at least 18, or the minimum age of majority in your state if it is higher.

Alabama, Arizona, California, Georgia, Idaho, Illinois, Indiana, Louisiana, Mississippi, Missouri, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. See locations.

Policies vary by state and loan. Ask the lender directly whether a co-applicant is allowed for your loan.

Small installment loans run from $500 to $2,500 and large installment loans from $2,501 to $35,000. Your amount depends on your state, income, and credit.

Small loans run about 6 to 48 months and large loans about 18 to 60 months.

Yes. They are installment loans with a fixed rate and a fixed monthly payment.

Many loans are unsecured. Larger loans may require a first lien on a motor vehicle, and some smaller loans may require collateral too.

Common uses include debt consolidation, car repairs, medical bills, and other emergencies. See personal loans.

Yes. Regional Management describes auto-secured loans as a growth focus. Securing a loan with a vehicle can help qualify for a larger amount but puts the vehicle at risk if you default.

Third-party reviews report advertised APRs around 24% to 35.99% on larger loans. Smaller loans can carry higher APRs depending on state law. See rates and fees.

Yes, in many states. Reported origination fees range up to about 10% of the loan, depending on state.

Yes. Late fees and NSF fees apply. The amount depends on your state and loan agreement.

No prepayment penalty is reported, so paying early can cut your interest cost. Confirm in your loan agreement.

Finder reports a $2.95 processor fee for some one-time online or in-person payments. Autopay may avoid it, so ask.

APR includes the interest rate plus certain fees, such as an origination fee, spread over the loan. It shows the true yearly cost of credit.

Yes. Use our loan calculator to see the monthly payment and total interest.

Regional Finance does not publish a minimum score. SuperMoney cites a typical range of 600 to 720, but borrowers with fair or limited credit may still qualify. See bad credit loans.

No. Prequalification uses a soft credit check, which does not affect your score.

A hard inquiry happens if you accept an offer and move forward with the full application.

Yes. Payment activity is reported to the credit bureaus, so on-time payments can help build credit and late payments can hurt it.

On-time payments on an installment loan can strengthen payment history and credit mix. Only borrow what you can repay.

Lenders typically accept online payments, autopay, phone payments, and in-branch payments. Use only the lender's official website or phone number.

Ask the lender. Autopay helps you avoid late fees and missed payments.

Request a payoff quote from the lender. It includes principal and interest accrued to a specific date.

Contact the lender right away. You may owe a late fee and the late payment may be reported to the credit bureaus.

No. RegionalsFinance.com is an independent service. Manage your account only on the lender's official website.

No. RegionalsFinance.com is an independent loan-request and borrower-education service. It is not affiliated with, endorsed by, or sponsored by Regional Finance or Regional Management Corp.

Yes. Submitting a loan request costs nothing and does not obligate you to accept any offer.

Not necessarily. We may connect you with participating lenders. Approval and matching are not guaranteed and each lender sets its own terms.

We may receive compensation from lenders or partners when you submit a request. See our disclosures.

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The RegionalsFinance Editorial Team writes and fact-checks every page. Read our editorial policy.

Visit our contact page or email [email protected].