Auto Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score -44
Mostly not recommended16 total votes
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Highlights
Community Rating
Mostly not recommended
Amount Range
$5,000 - $100,000
Disclaimer popup with additional information
APR (Fixed APR)
4.05% - 12.03%(Verified 06/21/2024)
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Credit Score Range
650 - 850
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Loan Term (Months)
Up to 72
Number of Reviews
Regions Bank Auto Loans Review
Regions Bank Auto Loans is offered by Regions Bank, a bank founded in 1873 and based in Huntsville, AL. Regions auto loans are available in 15 states.
Regions auto loans FAQ
How much can you borrow via Regions auto loans?
Regions auto loans loan amounts start at $5,000 and go up to $100,000.
What APR does Regions auto loans offer on its car loans?
Regions auto loans offers a fixed apr car loan product that ranges from 4.05% APR up to 12.03% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Regions auto loans?
Regions auto loans has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Regions auto loans charge an origination fee?
Yes, Regions auto loans may charge a loan origination fee .
Does Regions auto loans charge a late fee?
Yes, Regions auto loans charges borrowers with a late payment penalty fee
Does Regions auto loans charge prepayment fees?
Yes, Regions auto loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Regions auto loans loan?
Yes, you can. However, Regions auto loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Regions Bank Auto Loans?
Applicants with a credit score of at least 650 and up to 850 may be eligible for Regions Bank Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Regions Bank Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Regions auto loans?
Regions auto loans will typically fund the car loan within 7 business days of approval.Does Regions Bank Auto Loans report your account activity to credit bureaus?
Yes, Regions Bank Auto Loans reports to the following credit bureaus:
- Equifax
- Experian
- 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 build your credit.
Does Regions Bank perform a hard credit pull?
Yes, Regions auto loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Regions Bank a legit company?
Regions Bank was founded in 1873, it is a well-established company that has been in business for 153 years. Regions Bank Auto Loans is mostly not recommended by SuperMoney community users.
Regions Bank Auto Loans Disclosure: “The lowest APRs require auto-debit discount and are available only to borrowers with excellent and substantial credit history, whose loans meet other specific credit criteria, such as qualifying loan term, loan amount, loan-to-value ratio, and vehicle characteristics.”
SuperMoney Disclosure: SuperMoney.com 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 Regions auto loans
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Regions Bank
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -44, or 2.1 on a 5-point rating scale.
-44
-1000+100
No one recommends
Everyone recommends
Regions Bank Auto Loans Community Reviews
Would you recommend Regions Bank Auto Loans to your friends?
AC
Amy C.
Mar 4, 2020
May or may not recommend
Closed evenings and Sundays, payoff takes 48 hours, can’t reset online passwords without speaking to someone during business hours, can’t pay online unless you have a regions bank account. Very difficult company to use.
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Anonymous
Jun 7, 2019
May or may not recommend
I tried to get information about my auto loan from their hotline, 800-231-7493 and spoke to some moron named Laquisha. she had no idea what I was talking about and transferred me to a mortgage department, who transferred me to a collections department, then back to Laquisha, who hung up on me. There was a 5-10 minute hold each time they transferred me. It turns out I had called the ...Show More
SP
Stacie P.
Mar 11, 2019
May or may not recommend
If I could give no stars for customer service, I would. I had my name legally changed 4 months after my car purchase. I called Regions to let them know. They had me send all the information in to them (drivers license, marriage license, etc.). I did this and then the next month, my bill came in my maiden name so I called them again. ...Show More
Ramki K.
Jan 15, 2019
May or may not recommend
I just paid off my car loan today and called the customer service to make sure they have the correct address on fine to mail me the title of the vehicle. The customer service agent told me that they will be issueing a letter saying the loan was paid in full and I will have to take this letter to a DMV or another office (She did not know where) ...Show More
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Heather E.
Oct 26, 2018
May or may not recommend
I have had SOOOO many issues with Regions Bank Auto Loan Company. From misquoted payment amounts, misleading payoff information (I was told one amount and then that amount went up before the end of the payoff date and after I had mailed them a check), charging extra interest I can't find ANYWHERE in my contract, having to wait 10 minutes or more any time I have a question specific ...Show More
Debbie B.
May 5, 2017
May or may not recommend
Horrible phone wait times, was disconnected twice while holding. Was not able to reach a person concerning my car loan after several attempts.
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Anonymous
Apr 17, 2015
May or may not recommend
Refinancing my car loan with Regions Bank Auto Loans was a fairly painless process. I spoke with various employees who helped me through the application. In the end, I was able to get a lower interest rate. Now I'm paying less monthly, which was the initial goal. They seem to be a decent institution for loans and loan refinancing. I do not bank with them, so I cannot speak on ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
I once waited on hold with customer service for over two hours. I called previous times and was put on hold, but couldn't wait. This particular time I had the time to wait, and after two hours, I was put on with someone who was less than great to speak with. I can't believe anyone would wait this long just to be treated like this. I have my car loan ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
I am more than frustrated with Regions bank. I started banking them a few years ago, without issue. Then recently I applied to refinance my car loan. I was approved, so no issue there. But I did have to contact their customer service line a few times with questions in regard to my refinanced loan, and they were just awful. They did not care about my account or anything like ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
I was honestly sick and tired of dealing with banks that offered horrible customer service, so on the advice of a friend, I switched everything over to Regions Bank. After about a year, I decided to get a new car and got an auto loan through them. They have been so great so far! I haven't had any issues in terms of customer service, billing, etc., and my interest rate ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
Regions is an awesome lender! They are not my main financial institution, but they gave me a really great rate on an auto loan. Because of how satisfied I was with the loan, my sister decided to refinance her car loan through them. They have great customer service that are always available to help you when you need it. I couldn't be more satisfied with the way they work and ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
I have one car loan through Regions Bank Auto Loans and haven't been happier with a lender! They gave me a really low interest rate on the loan, which makes it super affordable to me. Also, their customer service is fantastic! I have never been put on hold for long periods of time and I've been able to speak with the most professional people who work there. Now we are ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
I have had Regions Bank as my personal bank for many years and haven't had a problem with them yet. I went to apply for a car loan with them and was declined. I have never had any issues with overdue balances or a lack of money in my account before, so I was really confused. They told me that they were more focused on the banking aspect and not ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
The customer service here is definitely lacking. I have contacted them numerous times and asked them to change my payment due date, and they have yet to do it. I need to get my due date to correspond with the day I get a paycheck, to ensure I have the money to pay it. For whatever reason, this is a crazy request. They keep informing me itll be done, but ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
I'm honestly a bit frustrated with Regions because they failed to notify me that my application was denied. I assumed I'd get an email telling me my status, or at least mentioning that my application was being processed. In the modern century, isn't it a normal practice to notify people by email? I didn't get one, and called customer service. They said they don't notify anyone by email and that ...Show More
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Anonymous
Apr 17, 2015
May or may not recommend
I am very satisfied with how Regions Bank Auto Loans has helped me. I got a car about a year ago without really reading into the interest rate. After I realized just how much it was, I wanted an alternative to lower the amount. After making payments on time for quite a while, I refinanced with Regions. They brought my payment down significantly and lowered my interest rate dramatically. I'm ...Show More
Showing 16 of 16 reviews