Finance life's bigger purchases

Seeing if you prequalify for a loan will not affect your credit score. Applying for a personal loan can affect your credit score, but typically only for a short period of time. Credit scores are determined using several factors.

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!

At Regional Finance, we offer loans up to $45,000.* You can prequalify for a loan up to $12,000 online without impacting your credit score.

*Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle that meets our requirements. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards.

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

Prequalification for personal loans lasts 30 days. That is why it’s important to make decisions regarding your personal loan quickly. If you have any questions, our team members are standing by and are happy to assist you during your loan approval process.