Key takeaways
- Regional Finance makes fixed-rate installment loans in Texas, from small loans to larger loans up to the company-wide $35,000 maximum.
- Consumer lenders in Texas are licensed and examined by the Office of Consumer Credit Commissioner (OCCC).
- Installment loans work very differently from Credit Access Business (CAB) payday and title loans, which often cost far more.
- Your Truth in Lending disclosure shows the exact APR and fees allowed for your loan under Texas law.
How Regional Finance Loans Work in Texas
A Regional Finance loan in Texas is a closed-end installment loan: one lump sum, repaid in equal monthly payments until a set payoff date.
Company-wide, Regional Finance offers small loans of $500 to $2,500 and larger loans of $2,501 to $35,000. Texas law shapes the final limits, fees and maximum rates for each loan size, so your offer may look different from one in a neighboring state.
Consumer installment lending in Texas is governed by the Texas Finance Code, with licensed lenders supervised by the state. That is the framework that sets what a lender may charge and how it must disclose costs.
Regional Finance vs CAB Payday and Title Loans in Texas
Texas is unusual. Many payday and auto title loans here are arranged through Credit Access Businesses (CABs), which charge fees on top of a third-party loan. The result can be a very high effective cost.
| Feature | Licensed installment loan | CAB payday or title loan |
|---|---|---|
| Repayment | Equal monthly payments | Often a lump sum in weeks, or short renewals |
| Cost disclosure | APR and total of payments on the TILA disclosure | CAB fees plus lender interest; read every fee line |
| Credit building | Payments typically reported to credit bureaus | Often not reported |
| Payoff path | Fixed end date | Renewals can extend debt |
Who Regulates Regional Finance in Texas
| Role | Agency |
|---|---|
| Licenses and examines consumer lenders | Texas Office of Consumer Credit Commissioner (OCCC) |
| Consumer protection and complaints | Texas Attorney General, Consumer Protection Division |
| Federal complaints | CFPB |
The OCCC offers a license search and accepts consumer complaints. You can also check many lenders on NMLS Consumer Access.
Finding a Regional Finance Branch in Texas
Texas borrowers most often search for branches around these metro areas. Branch addresses and hours change, so confirm them on the official locator at regionalfinance.com.
Houston and Gulf Coast
Houston, Pasadena, Baytown and Beaumont.
Dallas–Fort Worth
Dallas, Fort Worth, Arlington, Garland and Denton.
San Antonio and Austin
San Antonio, New Braunfels, Austin and Round Rock.
Rio Grande Valley
McAllen, Edinburg, Harlingen and Brownsville.
West Texas
El Paso, Midland, Odessa and Lubbock.
East and Central Texas
Tyler, Waco, Killeen and Bryan–College Station.
Common Reasons Texans Borrow
- Summer A/C repairs and high electric bills during heat waves
- Vehicle repairs in a state where long commutes are the norm
- Storm and hurricane deductibles along the Gulf Coast
- Consolidating high-rate cards into one fixed payment (see debt consolidation loans)
Before borrowing for a storm deductible, check whether FEMA assistance or your insurer's advance payment can cover part of the cost.
Regional Finance Texas FAQ
Is Regional Finance licensed in Texas?
Regional Finance operates in Texas as a licensed consumer lender. You can verify any lender's license through the Texas OCCC.
Is a Regional Finance loan the same as a Texas payday loan?
No. It is an installment loan with fixed monthly payments, not a short-term payday loan arranged through a Credit Access Business.
What is the maximum APR on a Texas installment loan?
Texas law sets the limits, which vary by loan size and type. Your Truth in Lending disclosure shows the exact APR before you sign.
Where do I complain about a lender in Texas?
Contact the OCCC first, then the Texas Attorney General or the CFPB if needed.
Can I start a request online from Texas?
Yes. Use our free loan request. Some loans are finalized at a local branch.
Check Your Loan Options in Texas
A soft credit check shows what may be available, with no impact on your score.
Apply NowMore: Regional Finance loans overview · All Regional Finance states · Oklahoma · Louisiana · New Mexico · Rates and fees · Requirements