Last Updated: 01/13/2026
Regional Finance Personal Loans
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Last Updated: 01/13/2026
SuperMoney User Recommendation Score +72
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Regional Finance Personal Loans Review
Key Takeaways
- APRs starting at 24.00%. Personal loan interest rates typically range between 9% 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*.
- Prequalified rate. You can check your prequalified rate at Regional Management Corp. with a soft pull that will not affect your FICO or VantageScore.
- 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.
Regional Finance Pros & Cons
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Regional Finance FAQ
What interest rates and personal loan terms does Regional Finance offer?
What interest rates does Regional Finance offer?
How much can you borrow via Regional Finance?
What is the maximum loan term you can get with Regional Finance?
| 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?
Does Regional Finance charge a late fee?
Does Regional Finance charge prepayment 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.- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | 600 - 720 |
What is the estimated funding time for a personal loan via Regional Finance?
Does Regional Finance Personal Loans report your account activity to credit bureaus?
- Equifax
- TransUnion
Does Regional Management Corp. perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Are Regional Finance Personal Loans legit?
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.
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