Couple making a deal and shaking hand

Give yourself some extra borrowing horsepower.

Using your car or truck as collateral for a personal loan means you may qualify for a larger loan amount to take care of needs like furniture, appliances, auto repairs, or vacations. Simple payment options let you pay your loan online, by phone, by mail, or at your local branch. Need an auto-secured loan now? Start the process by prequalifying today.

Regional Finance is licensed in AL, AZ, CA, GA, ID, IL, IN, LA, MO, MS, NC, NM, OK, SC, TN, TX, UT, VA, and WI. See all locations here to find where to get a personal loan near you. Loan approval is subject to our standard credit policies. Loan size, term, and rates may vary by state.

Frequently asked questions.

What is loan collateral?
Collateral is something of value that belongs to you that you agree to give your lender should you fail to repay your personal loan. The lender would then sell that item or investment to recover the unpaid portion of the loan.
What do I need to get an auto secured loan?
First and foremost, you'll need a vehicle that you own to get an auto-secured loan, such as a car or truck. Remember, when using a truck or car as collateral for an auto secured loan, it must be adequately insured before it can be accepted for your loan.
Why do I need collateral to secure a personal loan?
Offering collateral for a personal loan improves your chances of being approved for a larger loan amount and can generally get you a lower interest rate than an unsecured loan. Getting a personal loan with your car as collateral could also be a better option for those with a less-than-perfect credit score.
Is an auto-secured loan different than a car title loan?
Yes, these two types of personal loans are very different. Although car title loans utilize collateral in the form of your auto title, the high-interest rates and short terms of the loan distinguish them from an auto-secured loan. Unlike car title loans, auto-secured loans generally offers the borrower lower interest rates because the lender is taking less risk. Auto title loans operate like payday loans with triple-digit interest rates, short terms, and risk of falling into a “debt cycle” where you’re required to roll over your interest if you don’t make your payments on time.

See what our customers have to say.

We’re more than a personal loan company. Our goal is to help people get the money they need to get back on track and provide support to our customers along the way.

Read independently collected reviews from over 1,500 real customers across the nation and see why so many are saying that Regional Finance is the best place to get a personal loan.

Personal loans and peace of mind
are a package deal here.

At Regional Finance, we strive to make your loan process as easy as possible from the very beginning to the very end.

Locked rates & payments

Unlike credit cards with changing payments and rates, with Regional Finance you’ll know your exact monthly payments.

Clear payment schedule

At Regional Finance, we make sure you’ll know how long it will take to pay off your loan and when it’s time to make payments.

Payments made easy

Fast and easy payments give you more time to enjoy what’s important to you. Friendly, quick solutions are what we’re all about.

Personal loans for every need.

  • Paw print

    Pet Care Expenses

  • Funeral Tombstone

    Funeral Expenses

  • Credit card

    Bills & Credit Card Debt

  • home

    Home Repairs

  • Bed side view

    New Furniture

  • refrigerator

    New Appliances

  • Helicopter

    Emergency Expenses

  • Stroller

    Child Expenses

  • plane-departure

    Vacation Expenses

  • giftbox

    Holiday Expenses

  • medical records

    Medical Expenses

  • wedding rings

    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.