Last Updated: 01/13/2026
Regional Finance Personal Loans
Claimed
Last Updated: 01/13/2026
SuperMoney User Recommendation Score +72
Strongly recommended60 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
24.00% - 35.99%(Verified 05/01/2025)
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Amount Range
$2,501 - $12,000
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Loan Term (Months)
24 - 60
Number of Reviews
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 18 states.
Key Takeaways
- Low interest loans. Competitive rates
- 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, Regional Management Corp. will send the money in as little as 24 hours.
- 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
| Pros | Cons |
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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 $2,501 and 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.
| 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?
Yes, Regional Finance may charge a late payment fee if you miss one of the regularly scheduled 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.
| 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. Regional Finance Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
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 or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
|
| Credit Score | 600 - 720 |
What is the estimated funding time for a personal loan via Regional Finance?
Regional Finance will typically fund loans within 1 business day of approval and clearing necessary verifications.
Does Regional Finance Personal Loans report your account activity to credit bureaus?
Yes, Regional Finance Personal Loans reports to the following credit bureaus:
- 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 build your credit.
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. Regional Finance allows you to check your rates with a soft credit pull.
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 39 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: 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 Regional Finance
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +72, or 4.4 on a 5-point rating scale.
+72
-1000+100
No one recommends
Everyone recommends
Regional Finance Personal Loans Community Reviews
Would you recommend Regional Finance Personal Loans to your friends?
LC
Larrell C.
Sep 15, 2023
May or may not recommend
They will work with you anyway possible and tell you what you can do to get yourself back controlling your account
BS
Brandon S.
Aug 14, 2023
May or may not recommend
The apr rate is to damn high. To pay it back would cost you to much
HA
Hina A.
Jul 14, 2023
May or may not recommend
I am satisfied with Regional Finance and thier staff who made me feel like a very special customer and not just a borrower. l would recommend Regional Finance to anyone who needs financial assistance. i didnt had to give a life story to get a loan from them. They will go the extra mile to help you. Their interest rate is almost same as other banks. Admin fee is ...Show More
MC
Melissa C.
May 25, 2023
May or may not recommend
CB CC going to the store and I will get my pants on
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
This was the easiest loan process I've ever been through!!
WJ
William J.
Aug 19, 2022
May or may not recommend
If there is a problem contact them. A
hard company to work with.
GW
Gerald W.
Jul 25, 2022
May or may not recommend
My Husband and I were turned down for a loan together. When I ask why the girl here in the Tulsa office said that I had a check sent to me back in 2015 that I sign and cashed and never paid back. When I ask to see a copy of the check and signature on it I was told that it was a charge off and the Regional didn't ...Show More
Stephanie R.
Jan 30, 2022
May or may not recommend
This was the easiest loan process I've ever been through!!
MP
Mike P.
Jan 26, 2022
May or may not recommend
They made everything simple and easy. The offer was basic and easy to obtain. The terms are plain and very understandable. I would recommend them.
MF
Mauricio F.
Jan 20, 2022
May or may not recommend
Excellent customer service and they explain everything very good that you can understand
AF
Angela F.
Jan 20, 2022
May or may not recommend
Great experience with the service I have gotten at Regional finance. Megan has been exceptional and very professional at all times. I recommend anyone in the mt.. Pleasant area needed a loan to visit.
SM
Stuart M.
Jan 19, 2022
May or may not recommend
Was easy The staff was very polite I felt very welcome
FM
Franklin M.
Jan 12, 2022
May or may not recommend
My name is Franklin Martinez I have my account at the branch that is located at 12265 Capital Blvd, Wake Forest, NC 27587 The only thing I can say is that they are EXPONENTIALLY EXCELLENT in everything, their Manager Mr. Robert Cayle, Mr. Ricardo and Ms. Kenya is passionate about diligently meeting customer needs, for this and more I recommend Regional Financial Wake Forest.
RA
Rebecca A.
Jan 11, 2022
May or may not recommend
I appreciate yall for helping me I appreciate it that help me goes back and forward to the doctor
AS
Artina S.
Dec 8, 2021
May or may not recommend
I received professional help in securing my loan and went in by appointment and signed my paperwork, easy breezy.
DH
Don H.
Nov 3, 2021
May or may not recommend
I like this company, the application process was so easy and you can do it in office or online. The ladies that work in office were so nice and explained everything.
Keith H.
Oct 21, 2021
May or may not recommend
THEY ARE JUST LIKE FAMILY. I WOULD RECOMMEND THEM TO ANYONE WHO NEEDS A LOAN. THEY ARE NICE TO EVERY ONE, IF THEY CAN'T HELP YOU WITH A LOAN THEY ARE STILL NICE.
TG
Thomas G.
Oct 5, 2021
May or may not recommend
The whole crew here are awesome people and know what they are doing , been a customer of theirs for a while now and when I needed them the most for my situation, they stepped up and hit a home run.
Always connect with you and always handle any problem you have with straight out courtesy and try to bend over backwards to get you the help you may need. ...Show More
SH
Steve H.
Sep 30, 2021
May or may not recommend
PATRICIA WENT WAY BEYOND HELPFUL. SHE TAUGHT ME HOW TO USE MY COMPUTER SO WE COULD CONDUCT OUR BUSINESS COMFORTABLY AND SAFELY DURING THESE TRYING TIMES. CALLED ONLY TO GET ACCOUNT INFO. AFTER DESCRIBING MY SITUATION SHE WAS ABLE TO OFFER ME HELP THAT BETTER SUITED MY NEEDS. THANKS
LM
Lisa M.
Sep 10, 2021
May or may not recommend
Amanda at the Duncanville office is so nice. And helpful Thank you.
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