Regional Finance Personal Loans
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Regional Finance Personal Loans
in Personal Loans from Regional Management Corp.
Claimed Apply Now Get Personalized Rates

Regional Finance Personal Loans

in Personal Loans from Regional Management Corp.
SuperMoney Net Recommendation Score +69  


This product is strongly recommended by SuperMoney users with a score of +69, equating to 4.4 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Community Rating Strongly recommended
APR  (Fixed APR) 24.00% - 35.99%
(Verified 12/09/2023)
Loan Amount $2,501 - $12,000
Loan Term (Months) 24 - 60 months
Number of Reviews 61

Regional Finance Personal Loans Review

Regional Finance Personal Loans is offered by Regional Management Corp., a direct lender founded in 1987 and based in Greer, SC. Regional Finance are available in 15 states across the USA.

Key Takeaways

  • APRs starting at 24.00%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Regional Finance Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Strongly recommended. 51 out of 61 SuperMoney community members recommended Regional Finance Personal Loans.
  • Prequalified rate. You can check your prequalified rate at Regional Management Corp. with a soft pull that will not affect your credit score.
  • Origination fees of up to 10%. Origination fees and requirements vary by state. This is on the high end for lenders on SuperMoney's database. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.
  • Minimum income of $25,000. You will need an annual income of at least $25,000 to apply for Regional Finance Personal Loans, which is above average for the lenders in our database.

Regional Finance Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 35.99%.
  • Charges an origination fee of up to 10% of the loan amount.
  • Charges a late fee of up to $10

Regional Finance FAQ

What interest rates and personal loan terms does Regional Finance offer?

Regional Finance has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Regional Finance offer?

Regional Finance offers a fixed APR personal loan product that ranges from 24.00% APR up to 35.99% APR.

How much can you borrow via Regional Finance?

Personal loan amounts start at $2,501and go up to $12,000

What is the maximum loan term you can get with Regional Finance?

Regional Finance offers loans with terms of up to 60 months.

Regional Finance Interest Rates & Loan Terms
Personal Loan Amount $2501 - $12000
Loan Term 24 - 60 months
APR 24.00% - 35.99%

What fees does Regional Finance charge?

Does Regional Finance charge an origination fee?

Regional Finance may charge a personal loan origination fee of up to 10% of the personal loan amount (origination fees and requirements vary by state).

Does Regional Finance charge a late fee?

No, Regional Finance will not charge you a late fee if you miss one of the monthly payments of up to $10.

Does Regional Finance charge prepayment fees?

No, Regional Finance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Regional Finance Fees
Origination Fee up to 10%
Prepayment Fee No
Late Payment Fee up to $10

What do you need to qualify for Regional Finance Personal Loans?

Applicants with a credit score of at least 600 and up to 720 may be eligible for Regional Finance Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal loans with Regional Finance Personal Loans, applicants need a minimum annual income of $25,000 or higher. Regional Finance Personal Loans only considers borrowers who are employed and meet the minimum income requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Regional Finance Personal Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Regional Finance Personal Loans.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Driver's license
  • Proof of citizenship or residence permit
Regional Finance Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score 600 - 720

What is the estimated funding time for a personal loan via Regional Finance?

Regional Finance will typically provide a credit approval decision in less than an hour and fund the loan within 1 business day.

Does Regional Finance Personal Loans report your account activity to credit bureaus?

Yes, Regional Finance Personal Loans reports your account activity to the following credit reporting agencies:

  • Equifax
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Are Regional Finance Personal Loans legit?

Regional Management Corp. was founded in 1987, it is a well-established company that has been in business for 36 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

Regional Finance Personal Loans Disclosure: Regional Finance is licensed in AL, GA, MO, NC, NM, OK, SC, TN, TX, VA, and WI. Loan approval is subject to our standard credit policies. Loan size, term and rates may vary by state. Rates vary by loan amount: $600 - $2,500 APR = 36.0% - 99.9% or $2,501 - $10,000 APR = 21.9% - 35.9%. You must apply for this offer and continue to meet the criteria used to select you for this offer. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). The stated APR represents the cost of credit as a yearly rate and will be determined based upon the applicant’s credit at the time of application, subject to state law limits and individual underwriting. Not all rates and loan amounts are available in all states. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle that meets our value requires and titled in the applicant’s name with valid insurance. Specific interest rates and any other fees will be determined under applicable state law and depend upon loan amount and term. All terms and conditions of a loan offer will be disclosed during the application process, which requires the submission of a completed application and will be subject to verification of applicant identity, submission of any required supporting documentation, and review of credit information. The application process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. Please note that if you continue through the application process and accept an offer, Regional Finance will pull your credit report and credit score using a “hard” credit inquiry, which may impact your credit score. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Regional Finance

For 30+ years, Regional Finance has been helping our neighbors by providing personal loans. We have 360+ branches in 14 states: AL, GA, IL, IN, NM, MO, NC, OK, SC, TN, TX, VA, UT, and WI, where we serve more than 350,000 customers. We offer fixed rate, fixed term personal loans that our customers use to pay down higher interest debts, pay bills, buy new appliances, get extra cash, and build and strengthen their credit history. Regional Finance is owned and operated by Regional Management Corp.


Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

About Regional Finance Personal Loans


  Available in 15 states
  • Alabama
  • Georgia
  • Illinois
  • Indiana
  • Mississippi
  • Missouri
  • New Mexico
  • North Carolina
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

Late Fee Amount Up to $10
No Prepayment Fee
(Verified 11/22/2023)
Origination Fee (%) Up to 10%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Minimum Annual Income $25,000
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
Credit Score Range 600 - 720
Credit Bureau Reporting
  • Equifax
  • TransUnion
Customizable Payment Dates
Funding Time Range 1 day
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Credit/Debit Card
Pre-Qualified Soft Credit Inquiry
APR Type Fixed APR
Loan Amount $2,501 - $12,000
APR (Fixed APR) 24.00% - 35.99%
(Verified 12/09/2023)
Loan Term 24 - 60 months

Regional Finance Personal Loans Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +69, equating to 4.4 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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