Regional Finance

in Personal Loans

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Regional Finance


in Personal Loans

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Where does Regional Finance do business?

Regional Finance is a direct lender based in Greer, SC. Founded in 1987, Regional Finance offers access to personal loans in 8 states across the USA.

What are the APRs offered via Regional Finance?

Regional Finance offers a fixed APR personal loan product that ranges from 21.99% up to 99.9%.

Does Regional Finance charge an origination fee?

Yes, Regional Finance charges a loan origination fee of up to 10% of the loan amount.

Does Regional Finance charge a late fee?

Yes, Regional Finance may charge borrowers a late payment fee

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 loan off early.

How much can you borrow via Regional Finance?

Loan amounts start at $1,000 and go up to $10,000.

What can a personal loan from Regional Finance be used for?

Personal loans from Regional Finance are typically used for special purchases, debt consolidation, weddings, unexpected expenses or similar purposes.

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

Regional Finance offers personal loans with terms ranging from 6 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Regional Finance?

Applicants with a credit score of at least 590 can apply for a loan via Regional Finance . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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

Active duty servicemembers and their covered dependents cannot apply for a loan via Regional Finance. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.Only U.S. citizens and permanent residents can apply for a loan.

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

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

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 day.

Does Regional Finance report loan payments to credit bureaus?

Regional Finance may report credit data to the following credit reporting agencies:

  • Equifax
REGIONAL FINANCE Disclosure: Regional Finance is licensed in AL, GA, NC, NM, OK, SC, TN, TX and VA. Loan approval is subject to our standard credit policies. Loan size, term and rates may vary by state.
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...


  • Headquarters
  •   979 B Batesville Road
    Greer, SC 29651 USA
  •   Visit Site

Message from Regional Finance

For 30+ years, Regional Finance has been helping our neighbors by providing personal loans. We have 340+ branches in 9 states: AL, GA, NM, NC, OK, SC, TN, TX, and VA, 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.


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 8 states
  • Alabama
  • New Mexico
  • North Carolina
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Feature Breakdown

No Fees
No Prepayment Fee
List of Fees
Origination Fee
Up to 10%
Minimum Age
Credit Score Range
590 - 720
850 300 590 720
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Dollar Amount
Loan Amount
$1K - $10K
    $100 $100K+
Loan Term (Months)
6 - 60
    1 180
(Fixed APR)
21.99% - 99.9%
    4% 100%+

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