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Do you have questions?

You are not alone. We want all of our customers to receive clear and accurate information about our products and services. Check out our FAQ topics below.

Frequently Asked Questions
Application Questions
What types of loans does Regional Finance make?

Regional Finance provides secured personal loans for a variety of needs. We understand that you may need funds for unanticipated bills – whether car repairs, medical/dental expenses or minor home repairs. Also, you may need a little extra help for holiday gifts, back-to-school supplies, new furniture or appliances or a vacation!

How much money can I expect to get?

At Regional Finance, we offer loans from $500 to $12,000 (these may vary slightly in some states).

Are there any up-front costs associated with applying for a loan?

No. Regional will never require you to pay up-front costs or fees prior to receiving your loan proceeds. If you are ever asked to pay an up-front fee by someone claiming to be a Regional employee you should contact us immediately at (844) 303-3980.

How long does it take to apply and receive my money?

It only takes 5 minutes to Prequalify online. If you are prequalified, you can reach out to your local branch OR your local branch will call you within 24-48 hours. As soon as you bring the required documents to the branch and sign your loan documents – you can receive your check that day!

What must I bring with me when I apply for a loan?

Federal law requires us to obtain, verify, and record information that identifies each person who opens an account with us. Your assistance in providing us with this information helps us to not only process your application quickly, but also to protect you from the danger of identity theft.

Before we can complete your loan, Regional Finance will need you to provide the following documents:

  • A copy of a valid, government-issued photo ID (e.g. driver’s license, state ID card, or passport)
  • Proof of residence (e.g. a utility bill, or a signed lease)
  • Proof of income (e.g. paystubs or tax returns)

Additional documents may be needed, depending on the loan for which you qualify

Does Regional Finance report to any credit bureaus?

Yes, we report once a month to Equifax and TransUnion. To receive your free credit report, go to

How are my loan terms decided?

Each customer’s loan terms are decided on an individual basis, taking into account each customer’s unique situation and needs. Loan decisions are made based on a variety of factors, including credit history, income, and availability and value of collateral (if applicable).

I did not Prequalify online. How do I find out the reasons for this decision?

If you did not Prequalify online, you will receive a letter by email or mail explaining the reasons behind the decision.

How will I receive my funds?

You will receive a check at the branch during the loan closing. Prequalify Now and you could receive your funds the same day your loan is approved and your documents are signed in the branch.

I currently have a loan with Regional Finance. Is it possible to get more money?

We need to evaluate your unique situation to determine if you qualify for more money. Contact your local branch.


Is collateral required to get a loan from Regional Finance?

We typically require collateral in the form of personal property (TVs, stereos, etc.) and/or a personal car or a truck. Property used as collateral must be insured against physical damage for the term of the loan. Please contact your closest local branch for more information regarding collateral.

Why do I need insurance coverage on the collateral used to secure my loan?

Because the collateral is securing your loan, the collateral must be insured in case it needs to be replaced or repaired. If you have more questions about this topic, call your local branch.

What happens if my collateral is damaged, fully destroyed or stolen?

Call or visit your local Regional Finance branch to notify the manager of the damage or loss. Your loan specialist will explain the next steps for your insurance claim process which depends on the type of collateral that was used to secure the loan.

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Please contact us for clear and accurate information about our services.
We’re happy to provide answers and solutions for your concerns.

Contact us:

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    Contact Us form

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    Stop by our local branch

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    Call (888) 636-3535 (US Only) Connects to a local branch

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    Customers: Online Account Management

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    Prequalify Now

  • With us, you don’t need perfect credit to get a loan.

    You can prequalify for your loan online in just minutes. Or, if you prefer, call or stop by your local branch. Our loan specialists can answer any questions and help you fill out an application for the personal loan that fits your needs.

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