Regional Finance: Personal Loans, Login, Payments & Customer Service
Regional Finance is a U.S. consumer lender that offers personal loans through an online application and local branch network. People searching for Regional Finance may be looking to understand its loan options, sign in to an existing account, make a payment, find a nearby branch, or contact customer support.
This guide explains those main tasks using the company’s official information. Loan availability, maximum amounts, rates, terms, and collateral requirements can differ by state and by applicant, so use any figures below as general product information—not as a promise that you will qualify for a particular offer.
What Is Regional Finance?
Regional Finance is part of Regional Management Corp. and provides secured and unsecured personal loans for eligible borrowers in certain U.S. states. The company says it began in South Carolina in 1987 and now operates more than 350 branches across 20 states. Its products include personal loans for debt consolidation, auto repairs, home upgrades, larger purchases, unexpected expenses, and other permitted needs.
Regional Finance is not a bank account or budgeting app. It is a lender: if you take out a loan, you agree to repay the amount borrowed plus interest and any applicable costs under the contract. Before applying, review the offer and make sure the payment fits your budget alongside existing bills and essential spending.
For its company background and locations, use the official Regional Finance company information page.
What Loans Does Regional Finance Offer?
Regional Finance lists multiple personal-loan purposes. The exact amount available and whether a loan is secured or unsecured depend on the product, your state, your credit and income information, and other underwriting requirements.
| Loan type or purpose | What it may be used for | What to check |
|---|---|---|
| Personal loan | A personal expense or a planned purchase | APR, total repayment, term, monthly payment, and any collateral requirement |
| Debt consolidation | Combining eligible debts into one loan payment | Whether the new total cost is lower and whether the repayment period becomes longer |
| Auto repair | Unexpected vehicle repair costs | Whether borrowing costs make sense compared with alternatives or delaying non-urgent repairs |
| Home upgrades and major purchases | Eligible projects, appliances, or essential purchases | Whether the purchase is necessary and the repayment fits your budget |
| Unexpected expenses | Some unplanned bills or emergency costs | Whether the payment remains manageable if other expenses rise |
Regional Finance’s official FAQ says loans can be offered up to $45,000, but larger amounts require additional qualification and may require a first lien on a qualifying motor vehicle. Its online prequalification flow currently allows eligible applicants to check offers up to $12,000 online. These are maximums advertised by the company, not amounts every applicant can receive. Loan size, terms and rates vary by state and credit criteria.
How to Apply or Prequalify With Regional Finance
The company describes a process that starts online and may continue with a local branch. Prequalification can help you see whether you may qualify before you make a full application, but it is not the same as final approval.
- Check the state and product availability. Regional Finance operates only in certain states. Confirm that it serves your state and that the loan type you want is available there.
- Start the online prequalification. Use the company’s official offer page. Enter the requested information carefully and read the consent and privacy notices before submitting it.
- Review any offer. Compare the APR, loan amount, term, monthly payment, collateral conditions, optional products, and total amount you will repay—not just the payment shown in a headline.
- Complete the application if you decide to proceed. The company says additional documents can include a government-issued photo ID, proof of residence, and proof of income. More information may be requested depending on the loan.
- Speak with a branch if required. Regional Finance says a local branch may follow up after prequalification. Final approval and funding depend on verification, signing the loan documents, and meeting the lender’s requirements.
Regional Finance says checking for prequalified offers does not affect your credit score. A full loan application may involve a hard credit inquiry and can affect your score. Read the disclosures carefully so you know which step you are taking. See the official Regional Finance application guide for its process and document requirements.
Regional Finance Login: How to Access Your Account
Existing customers can use the lender’s account portal to review and manage loan information. To protect your personal details, reach the login page through the official Regional Finance website or enter the verified account address directly rather than following an unexpected message or advertisement.
- Open the official Regional Finance account login page.
- Enter your registered username and password.
- If you cannot remember your credentials, use the portal’s “Forgot username?” or password recovery option.
- If you do not have an online account, use the account-creation option and follow the verification instructions shown by the service.
- If sign-in still fails, contact customer support or your local branch using the contact details on Regional Finance’s official website.
Do not send your password, Social Security number, full account details, or other sensitive information through social media or an unsolicited email. Regional Finance says it does not communicate account information by email; account-specific questions are handled directly with customers to protect their privacy.
How to Make a Regional Finance Payment
Regional Finance lists several payment methods, including online account payments, AutoPay, payment by phone, mail, and payments at a branch. Available options and instructions may depend on your account, so confirm the details for your loan before sending money.
| Payment method | What to do |
|---|---|
| Online | Sign in to your account and follow the payment instructions shown for your loan. |
| AutoPay | Use the account portal or the company’s instructions to set up or manage recurring payments. |
| By phone | Call your local branch at 1-888-636-3535 to ask about paying by debit card or electronic funds transfer. |
| In person | Contact or visit your local branch. The company lists cash, check, debit card, ACH, and money order among accepted branch payment methods. |
| By mail | Check your loan documents or confirm the correct payment address with Regional Finance before mailing a payment. |
For online payments and the current accepted methods, see the official Regional Finance payment options page. Avoid mailing cash, and do not use a payment address received in an unexpected email or text until you verify it independently.
Regional Finance Customer Service Phone Number
Regional Finance publishes separate numbers for local branches and general customer support:
- Local branch / loan specialist: 1-888-636-3535
- Customer support: 1-844-303-3980
- Customer support hours: Monday through Friday, 8:30 a.m. to 5:30 p.m. Eastern Time, according to the company’s contact page.
- Headquarters: Regional Management Corp., 979 Batesville Road, Suite B, Greer, SC 29651.
Use the customer support number for general account questions, website or mobile assistance, or help with a complaint. For local loan terms, documents, payments, or branch-specific questions, the local branch number may be more useful. Confirm current hours on the official Regional Finance contact page before calling.
How to Find a Regional Finance Branch
Regional Finance’s branch network is important because some applicants may need to speak with a local specialist or complete part of the loan process with a branch. Use the official location search to find an office in your state and verify its current address, phone number, and hours before visiting.
The company lists licenses in Alabama, Arizona, California, Florida, Georgia, Idaho, Illinois, Indiana, Louisiana, Missouri, Mississippi, North Carolina, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. Licensing and product availability can change, so confirm that the exact loan is offered at your location. Start with the official Regional Finance branch locator.
What Interest Rate and Loan Terms Should You Expect?
There is no single rate that applies to every Regional Finance borrower. The lender states that actual loan size, term, and rates can vary by state and that decisions depend on factors such as credit history, income, expenses, and collateral where applicable. Your personal offer and loan agreement are the right places to confirm the final figures.
Before signing, review these details side by side:
- APR: The annual percentage rate helps show the cost of borrowing, including interest and certain fees where applicable.
- Monthly payment: Make sure you can pay it after rent or mortgage, utilities, food, transportation, existing debts, and savings needs.
- Total repayment: Add up the payments over the full term to see how much the loan will cost overall.
- Loan term: A longer term may lower the monthly payment but can increase the total interest paid.
- Secured-loan risk: If collateral is required, ask exactly which asset is pledged and what can happen if you miss payments.
- Optional insurance or memberships: Check whether they are optional, what they cost, how to cancel them, and how cancellation affects the loan balance.
If you are considering consolidating debt, compare the new APR and total repayment with your current debts, including any fees or longer repayment period. MereGate’s guide to debt consolidation loans explains factors to consider before combining balances.
Is Regional Finance Legitimate?
Regional Finance has an official website, a listed corporate parent, published state licensing disclosures, customer support, and a branch network. Those details help identify the company, but they do not mean every message or loan offer using its name is genuine. Scammers can impersonate real lenders.
The company says it does not charge application fees and will not require upfront costs before loan proceeds are received. It specifically advises consumers to contact customer support if someone claiming to be a Regional Finance employee requests an upfront fee. Do not pay a person who promises guaranteed approval, asks for gift cards or cryptocurrency, or demands a transfer before releasing a loan.
To reduce risk, type the official web address yourself, confirm the branch or phone number independently, read the loan documents, and never share one-time security codes or account passwords with an unsolicited caller. If you receive suspicious contact, pause the application and verify it through the lender’s published support channel.
Frequently Asked Questions About Regional Finance
What is Regional Finance?
Regional Finance is a U.S. personal lender that offers loan products for eligible borrowers in certain states. Its products include personal loans and loans for purposes such as debt consolidation, auto repairs, home upgrades, and other expenses.
How do I log in to Regional Finance?
Use the official account portal at myaccount.regionalfinance.com. Enter your registered credentials or use the built-in recovery options if you forgot your username or password.
What is the Regional Finance customer service number?
The published customer support number is 1-844-303-3980. For a local branch or loan specialist, Regional Finance lists 1-888-636-3535. Check the company’s official contact page for current hours.
Can I pay my Regional Finance loan online?
Yes. The company says customers can sign in to their online account to make payments and manage AutoPay. It also lists payment by phone, mail, and in person, subject to the account’s instructions.
Does Regional Finance offer loans up to $45,000?
The company’s FAQ advertises loans up to $45,000, but not all applicants qualify for that amount. Larger loans may require eligible vehicle collateral, and loan availability and terms depend on your state and credit criteria. Its online prequalification flow lists a maximum check of up to $12,000.
Does prequalifying affect my credit score?
Regional Finance says checking prequalified offers does not affect your credit score. A full application may affect your score, so check the consent and credit-inquiry disclosure before proceeding.
Does Regional Finance require collateral?
Some loans may be secured and require collateral, such as a qualifying vehicle or other personal property. Requirements depend on the particular loan and offer. Ask the branch which asset is being pledged and review the agreement before signing.
Does Regional Finance charge an upfront application fee?
The company says it does not charge an application fee or require an upfront payment before releasing loan proceeds. If someone claiming to represent Regional Finance asks for such a payment, contact the company through its official support number.
Final Thoughts
Regional Finance offers personal lending with online prequalification and local branch support in the states it serves. Existing borrowers can use the account portal to review their loan and make payments, while applicants should compare the APR, monthly amount, term, total repayment, and any collateral conditions before accepting an offer.
Use the lender’s official website for account access, payments, branch locations, and support. A prequalification result is not final approval, the advertised maximum is not available to everyone, and no one should ask you to pay an upfront fee to guarantee a loan.
Research note: This guide was checked against Regional Finance’s official company, application, FAQ, payment, account-login, and contact pages on October 14, 2026. Loan products, state availability, rates, terms, and support details may change. This article is informational and is not individual financial advice.
