Regional Finance vs Avant: Which Personal Loan Lender Is Right for You?
Last updated 10/27/2025 by
Ante MazalinEdited by
Andrew LathamSummary:
Avant is better suited for online borrowers looking for fast funding and more flexibility, especially if you prefer managing your loan digitally. Regional Finance may be a fit if you want an in-person experience and don’t qualify for online lenders due to poor credit—but its high interest rates and in-branch process may be a drawback for some. Choose Avant for speed and convenience. Choose Regional Finance only if you need an in-person option and can’t qualify elsewhere.
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Comparison: Avant vs. Regional Finance
| Feature | Regional Finance | Avant |
|---|---|---|
| Loan Amounts | $2,501 - $12,000 | $2,000 - $35,000 |
| APR Range | 24.00% - 35.99% | 9.95% - 35.99% |
| Loan Terms | 24 months - 60 months | 24 months - 60 months |
| Funding Time | Varies; typically several days after in-person approval | As soon as the next business day |
| Minimum Credit Score | 600 - 720 | 600 - 760 |
| Origination Fees | Up to 10% | Up to 9.99% |
| Late Payment Fee | Up to $10 | $25 |
| No Prepayment Fee | Yes | Yes |
| SuperMoney User Score | strongly recommended | strongly recommended |
About Regional Finance
Regional Finance is a brick-and-mortar lender serving borrowers who may not qualify for traditional personal loans. Its loans are available in select states and require an in-person branch visit for approval and disbursement.
Key Features:
- Designed for borrowers with poor or limited credit history
- Requires an in-person branch visit to finalize loan
- May accept applications that online-only lenders reject
About Avant
Avant is an online lender offering unsecured personal loans to borrowers with fair to good credit. It’s known for a quick online application, fast funding, and flexible repayment terms.
Key Features:
- Online application and approval process
- Loans available to fair-credit borrowers
- Fast funding—often by the next business day
Key Differences Between Regional Finance and Avant
- Loan Access: Regional Finance requires an in-person visit; Avant is fully online.
- APR Ranges: Regional Finance has much higher interest rates (24.00% - 35.99%) than Avant (9.95% - 35.99%).
- Funding Speed: Avant offers next-day funding; Regional Finance may take days.
- Loan Flexibility: Avant allows quick digital applications; Regional Finance supports face-to-face service.
- Credit Score Requirements: Regional Finance targets subprime borrowers; Avant typically requires at least 600 - 760.
- Fees: Both may charge origination and late fees, but Avant is more transparent online.
- User Ratings: strongly recommended vs strongly recommended, based on SuperMoney reviews.
Which Lender Is Best for You?
Choose Regional Finance if you:
- Have very poor or limited credit history
- Prefer face-to-face service and a traditional loan experience
- Live in a state where Regional Finance operates
- Have been denied by online lenders and need a fallback option
Choose Avant if you:
- Want a fast, fully online application
- Need funding as soon as the next business day
- Have fair credit and want to avoid in-person visits
- Prefer a modern digital loan experience with clear terms
Bottom Line:
Avant is a better choice for most borrowers thanks to its speed, ease of use, and digital convenience. Regional Finance may work for those who need in-person service or can’t qualify elsewhere—but expect higher costs and slower funding.
Avant is a better choice for most borrowers thanks to its speed, ease of use, and digital convenience. Regional Finance may work for those who need in-person service or can’t qualify elsewhere—but expect higher costs and slower funding.
What’s Next
Learn more about each lender:
Or explore more comparisons:
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BestEgg vs Avant – See how Avant compares to a high-approval alternative
Upgrade vs Avant – Two digital lenders go head-to-head
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Key Takeaways
- Avant is an online lender offering fast approval and funding for fair-credit borrowers
- Regional Finance requires in-person visits and targets subprime borrowers
- Avant offers a more modern, flexible, and transparent experience
- Regional Finance loans are higher-cost and less convenient but may approve difficult cases
FAQs
Does Regional Finance offer online applications?
You can apply online, but you must visit a branch in person to finalize the loan.
Is Avant a good option for fair credit?
Yes, Avant is designed for borrowers with fair credit and offers funding as fast as the next day.
Which has lower APRs: Avant or Regional Finance?
Avant typically has lower APRs. Regional Finance often charges higher rates, especially for subprime borrowers.
Can I pay off my loan early?
Yes, both lenders allow early repayment. Check your individual loan agreement for details.
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