our solution

The personal loan advantage.


Personal Loans Online

The personal loan application process is simple, can be completed online, and can help you with a variety of situations. Whether you need a new appliance or just want to go on a nice vacation, Regional Finance is here to help.


Fixed Loan Payments

Personal loan payments are more stable than credit card payments. With a fixed rate personal loan, your monthly payment stays the same for the life of the loan, so you can easily plan your budget.

Fast Personal Loans that Fit Your Needs
For Anyone

Less than perfect credit? More reason to apply for a personal loan with us.

We specialize in helping you find a personal loan that will achieve the goals you have. There are no application fees and prequalifying for a personal loan will not affect your credit score, so feel free to talk to us. Prequalify online or stop by today.

Frequently Asked Personal Loan Questions

How long does it take to get a personal loan approved?

While every lending company’s loan approval time varies, at Regional Finance once you are prequalified for a personal loan, you can reach out to your local branch OR your local branch will call you typically within 24-48 hours. As soon as you bring the required documents to the branch and sign your loan documents – you can receive your funds that day!

How do I qualify for a personal loan?

While no lending company can guarantee that you will qualify for a loan, we try to make it easy for you to get a sense of whether you will qualify for one of our loan products by providing you with the option to prequalify online.

Prequalifying for a loan online takes just a few minutes and lets us know that you meet our basic loan criteria — and best of all, it’s free! You can also come to your local Regional Finance branch where our loan specialists are happy to answer your questions and take a loan application. Prequalifying online will not affect your credit score, but when we take an application we do need to make a hard pull of your credit report.

If you decide you’d like to apply for a loan at one of our branches, please bring the following items:

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

We look forward to meeting you and seeing how we may be able to help you!

Does applying for a personal loan hurt your credit?

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.

What are the benefits of obtaining a personal loan?

There are many benefits that come from obtaining a personal loan. Personal loans can help you:

  • Afford new appliances for your home
  • Ease the burden of travel costs
  • Assist with car repair costs
  • Help you consolidate your debt into a single, lower monthly payment.

To learn more about the types of loans Regional Finance offers, visit our personal loan pages or contact us today to speak with a member of our team.

How can you use a personal loan?

Personal loans can be used for a multitude of things such as:

Personal loans can help ease financial burdens and provide the support you need.

Personal loans for every need.

Paw print

Pet Care Expenses

Bed side view

New Furniture

Vacation Expenses

Funeral Tombstone

Funeral Expenses

New Appliances

Holiday Expenses

Credit card

Bills & Credit Card Debt


Emergency Expenses

medical records

Medical Expenses


Home Repairs


Child Expenses

Wedding Expenses

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.