Regional Finance Personal Loans

in Personal Loans from Regional Management Corp.

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Regional Finance Personal Loans


in Personal Loans from Regional Management Corp.

SuperMoney Net Recommendation Score +72


This product is strongly recommended by SuperMoney users with a score of +72, equating to 4.4 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

40 users recommend
1 user is unsure
6 users don't recommend
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Community Rating Strongly recommended
APR  (Fixed APR) 21.99% - 35.9%
Loan Amount $2,501 - $12,000
Loan Term (Months) 24 - 60 months
Number of Reviews 47

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 Personal Loans is available in 12 states across the USA.

Key Takeaways
  • APRs starting at 21.99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Regional Finance Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. In some cases you can 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 credit score.
  • Minimum income of $25,000. You will need an annual income of at least $25,000 to apply for Regional Finance Personal Loans, which is above average for the lenders in our database.
Regional Finance Pros & Cons
Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 35.9%.
  • Charges an origination fee of up to 10% of the loan amount.
  • Charges a late fee.
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 21.99% APR up to 35.9% APR.

How much can you borrow via Regional Finance?

Business 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.

Regional Finance Interest Rates & Loan Terms
Personal Loan Amount $2501 - $12000
Loan Term 24 - 60 months
APR 21.99% - 35.9%

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 borrowers a late payment fee if you miss one of the monthly payments.

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.

Regional Finance Fees
Origination Fee up to 10%
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for Regional Finance Personal Loans?

Applicants with a credit score of at least 580 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.

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

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Regional Finance Personal Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Regional Finance Personal Loans. Permanent resident / green card holders are also eligible to apply.

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

  • Recent pay stubs
  • Driver's license
  • Proof of citizenship or residence permit
Regional Finance Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score 580 - 720

    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 business day.

    Does Regional Finance Personal Loans report your account activity to credit bureaus?

    Yes, Regional Finance Personal Loans reports your account activity to the following credit reporting agencies:

    • 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 improve your credit.

    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%.
    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...
    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 Personal Loans

    For 30+ years, Regional Finance has been helping our neighbors by providing personal loans. We have 360+ branches in 11 states: AL, GA, NM, MO, NC, OK, SC, TN, TX, VA, and WI, 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.


    About Regional Finance Personal Loans


      Available in 12 states
    • Alabama
    • Georgia
    • Illinois
    • Missouri
    • North Carolina
    • New Mexico
    • Oklahoma
    • South Carolina
    • Tennessee
    • Texas
    • Virginia
    • Wisconsin

    Feature Breakdown

    No Prepayment Fee
    Origination Fee (%) Up to 10%
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Minimum Annual Income $25,000
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    • Tax Returns
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    • Recent Pay Stubs
    Credit Score Range 580 - 720
    Credit Bureau Reporting
    • Equifax
    • TransUnion
    Customizable Payment Dates
    Funding Time Range 1 day
    Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
    • Credit/Debit Card
    Pre-Approved Soft Credit Inquiry
    Loan Amount $2,501 - $12,000
    APR (Fixed APR) 21.99% - 35.9%
    Loan Term 24 - 60 months

    Regional Finance Personal Loans Community Reviews


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    This product is strongly recommended by SuperMoney users with a score of +72, equating to 4.4 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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