Regional Finance offers fixed-rate personal installment loans from $500 to $35,000 through a network of local branches. This page explains how Regional Finance loans work, what they cost and who qualifies, so you can borrow with confidence. Ready? Start a free loan request in two minutes.
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Free · soft credit check · no obligation
RegionalsFinance.com is an independent loan-request service, not Regional Finance or Regional Management Corp. We may connect you with participating lenders. Submitting a request does not guarantee approval or an offer from Regional Finance.
Loan options
Every loan option is a fixed-rate installment loan you repay in equal monthly payments. Here is how each option works and who it fits best.
01 · Loan option
This is a fixed-rate installment loan: one lump sum, repaid in equal monthly payments until a set payoff date.
02 · Loan option
Use one installment loan to pay off several card or store balances. Trade many due dates and variable rates for one fixed payment and a clear end date.
03 · Loan option
The lender does not publish a minimum credit score. Branch underwriting weighs income, existing debts and recent payment history alongside your score.
04 · Loan option
Larger loans may be secured with a lien on your vehicle. You keep driving the car while you repay, and the lien is released after the final payment.
05 · Loan option
When the car breaks down or a bill can't wait, a small installment loan spreads the cost over months instead of one painful paycheck.
Plan your payment
Pick a loan type for example values, or adjust the numbers yourself. Use the APR from your actual offer for the most accurate result.
Estimate only; excludes origination and other fees. Your real APR and payment appear on the lender's Truth in Lending disclosure. Full calculator with amortization table.
Company snapshot
Regional Finance is the consumer lending brand of Regional Management Corp., a publicly traded company (NYSE: RM) headquartered in Greer, South Carolina, and founded in 1987.
It makes personal installment loans through branches and online. Most loans are serviced by a local branch team, which sets it apart from online-only lenders.
Read the full Regional Finance company profile →Key facts from Regional Management Corp. investor materials
Costs
The lender splits its lending into small and large installment loans. Rates and fees depend on your state, loan size and credit profile.
Ask if it is deducted from your funds
Use autopay to avoid it
Keep a buffer in your account
Pay free by autopay or at a branch
Extra payments cut your interest
Ranges from Regional Management Corp. investor materials and third-party reviews. Your exact APR and fees appear on your Truth in Lending disclosure.
See the full breakdown of Regional Finance rates and fees →Process
Prequalification uses a soft credit check, so your score is not affected.
Compare the APR, fees, monthly payment and total cost before you agree.
Provide documents; some loans are finalized at a local branch. A hard inquiry happens if you proceed.
Money is often available within about one business day, by check or direct deposit.
Put these in one folder before your branch visit.
Honest view
Every lender has trade-offs. Here is what works well and what to weigh before you borrow.
Bottom line: It is a good fit if you value fixed payments and local service more than the lowest possible APR.
Coverage
Regional Finance operates 353 branches across 19 states. Rate caps, fees and loan limits follow each state's lending laws. Select a state for its local guide.
Learn more
Common themes from public reviews on Trustpilot, SuperMoney and the BBB, summarized by our editors. We do not publish testimonials or invented quotes.
Not BBB accredited; 1 of 5 stars from 19 customer reviews, as reported by Finder.
Many reviews mention branch teams who explain the loan terms and answer questions in person.
Reviewers often describe a simple application: prequalify with a soft credit check, then sign and receive funds.
Borrowers turned down elsewhere say the lender looked at income and stability, not only a credit score.
A frequent complaint is that interest rates run higher than bank or credit union loans.
Some reviews describe confusion over payments, posting dates or one-time payment fees.
A few borrowers report credit reporting mistakes that needed follow-up to correct.
Yes. It is the lending brand of Regional Management Corp., a publicly traded company (NYSE: RM) licensed to lend in each state it serves.
Common uses include debt consolidation, car repairs, medical bills and household emergencies. Lenders may ask about the purpose, but the funds are generally flexible.
The lender does not publish a minimum score. It works with fair credit and also weighs income, debts and payment history.
Prequalification uses a soft check that does not affect your score. A hard inquiry is made only if you move forward with an offer.
Funding often arrives within about one business day after approval and verification, by check at a branch or direct deposit.
You can start online, but some loans must be signed and finalized at a local branch. See our online vs branch guide.
It cannot lend to you, but our free loan request may still connect you with participating lenders where you live.
Expect a late fee set by state law and a possible negative credit report. Call your branch before the due date to ask about options. Read the full guide.
Yes. Payments are reported to the major credit bureaus, so on-time payments can help build credit and late payments can hurt it.
No. RegionalsFinance.com is an independent education and loan-request service. We are not affiliated with Regional Finance or Regional Management Corp.
It is free and starts with a soft credit check. Know your numbers first, then decide.
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