What credit score do I need for Regional Finance?

Regional Finance typically works with borrowers who have credit scores around 580 or higher, making it accessible for near-prime and some subprime borrowers. However, approval also depends on income, existing debt, and your state of residence. Some branches may approve lower scores with collateral.

Does Regional Finance check your credit?

Yes, Regional Finance performs a hard credit inquiry when you formally apply, which may temporarily impact your credit score by a few points. Pre-qualification, if available in your branch, may use a soft pull.

What are the best alternatives to Regional Finance?

Top alternatives include OneMain Financial (available in 44 states, similar credit requirements), Mariner Finance (28 states, comparable rates), Upgrade (all 50 states, fully online), and NetCredit (for lower credit scores). The best choice depends on your state, credit score, and whether you prefer online or in-person service.

Does Regional Finance report payments to credit bureaus?

Yes. Regional Finance reports payment activity to the major credit bureaus — Equifax, Experian, and TransUnion. This means on-time payments can help build or improve your credit score over time, while missed payments may hurt it. Confirm the reporting schedule with your branch when you apply.

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Q: How much can I borrow from Regional Finance?

Regional Finance offers personal installment loans generally ranging from $600 to $25,000, depending on your state, credit profile, and income. Smaller loan amounts are more commonly available to borrowers with limited or damaged credit history.

Q: How long does Regional Finance take to approve a loan?

Regional Finance can often provide a lending decision on the same day you visit a branch. If approved, funds are typically disbursed within 1–2 business days. Processing time may vary by location and documentation completeness.

Q: What is the interest rate at Regional Finance?

Regional Finance does not publicly disclose its APR range; rates vary significantly by state due to local lending regulations, your credit score, loan amount, and term length. Based on consumer reports and state filings, APRs often range from the mid-20% range to above 30% for near-prime borrowers. Always request the full APR disclosure before signing.

Q: Can I pay off a Regional Finance loan early?

Most Regional Finance loans allow early payoff. Whether a prepayment penalty applies depends on your state's regulations and your specific loan agreement. Review your loan contract or ask your branch representative before paying early.

Q: Is Regional Finance a legitimate company?

Yes. Regional Finance is operated by Regional Management Corp. (NYSE: RM), a publicly traded company headquartered in Greenville, South Carolina. Founded in 1987, it is accredited by the Better Business Bureau and regulated by state financial authorities in every state it operates. Being publicly traded means the company is subject to SEC reporting requirements, providing an additional layer of accountability.

📅 Last verified November 10, 2026 · By Michael Torres, CFP®

We've analyzed rates, fees, requirements, and 3,000+ customer reviews — so you can make a smarter borrowing decision in minutes. Compare Regional Finance side-by-side with top alternatives and find the loan that fits your credit profile.

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Regional Finance vs. Top Alternatives — Quick Compare

All rates current as of November 2026. Verify directly with each lender before applying.

Lender	Loan Amount	Est. APR Range	Min. Credit Score	Branch Required	Best For
Regional Finance	$600 – $25,000	Varies by state	~580+ (est.)	Yes (most states)	Near-prime borrowers
OneMain Financial	$1,500 – $20,000	18% – 35.99%	None listed	Yes	Bad credit, secured
Mariner Finance	$1,000 – $25,000	Varies by state	~580+	Yes	Near-prime, in-person
World Finance	$500 – $10,000	Varies by state	No minimum	Yes	Small loans, thin credit
LightStream	$5,000 – $100,000	6.99% – 25.49%	~660+	No (online)	Good–excellent credit

* APR and terms vary by state, credit profile, and loan amount. Data sourced from lender websites and CFPB filings. Last verified November 2026.

Written by Michael Torres, CFP® · Reviewed by Sandra Chen, MBA · 📅 Last verified November 2026

What Is Regional Finance?

the lender is a consumer lending brand operated by Regional Management Corp. (NYSE: RM), headquartered in Greenville, South Carolina. Founded in 1987, the company provides personal installment loans primarily to near-prime and subprime borrowers through a network of physical branch locations across approximately 20 states, concentrated in the South, Southeast, and Midwest.

The company offers several types of loans, including unsecured personal loans, auto-secured personal loans, and debt consolidation loans. Unlike many online lenders, them typically requires borrowers to visit a branch to finalize their loan — though you can start the prequalification process online.

the lender is known for its accessibility to borrowers with less-than-perfect credit, but rates and terms vary significantly by state due to differing regulations. Always review the full loan agreement before signing.

Read Our Full this lender Review →

✦ Expert-Reviewed Content

Meet Our Editorial Team

Every guide on LoanAdvisorUSA is researched, written, and reviewed by financial professionals with real-world lending experience. Our content is never commissioned or influenced by lenders.

Michael Torres

Editor in Chief

CFP® 12 Yrs Experience

Former senior lending officer at a regional bank. Michael oversees all editorial content, ensuring accuracy and compliance with CFPB data standards.

Sandra Chen

Sr. Financial Research Editor

MBA Finance 8 Yrs Experience

Specializes in consumer credit analysis and lender rate verification. Sandra leads our research process and fact-checks all rate and fee data before publication.

Emily Reyes

Personal Finance Writer

B.S. Economics 5 Yrs Experience

Covers personal loans, credit building, and debt management strategies. Emily's guides have helped over 50,000 readers navigate the borrowing process.

📋 CFPB-Referenced Data 🔍 Independently Verified Rates 🚫 No Lender Influence 📅 Updated Monthly ⚖️ YMYL Compliant

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Is the rate range disclosed?

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Fees & Costs

Origination, prepayment, late

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Same-day to 5 business days

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CFPB & BBB complaint volume

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In-person vs. online only

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Frequently Asked Questions

Answers to the most common questions about the lender personal loans — reviewed by our financial editors

this lender typically works with borrowers who have credit scores around 580 or higher, making it accessible for near-prime and some subprime borrowers. Approval also depends on income, existing debt, and your state of residence. Some branches may approve lower scores with collateral. See full qualification requirements →

this company offers personal installment loans generally ranging from $600 to $25,000, depending on your state, credit profile, and income. Smaller loan amounts are more commonly available to borrowers with limited or damaged credit history. Loan availability and maximum amounts vary by state.

this company does not publicly disclose its APR range. Rates vary significantly by state due to local lending regulations, your credit score, loan amount, and term length. Based on consumer reports and state filings, APRs often range from the mid-20% to above 30% for near-prime borrowers. Always request the full APR disclosure before signing any loan agreement.

Yes, Regional Finance performs a hard credit inquiry when you formally apply, which may temporarily impact your score by a few points. Pre-qualification, if available at your local branch, may use a soft pull that does not affect your credit. Confirm with your branch before the full application.

Regional Finance can often provide a lending decision the same day you visit a branch. If approved, funds are typically disbursed within 1–2 business days. Processing time may vary by location, loan amount, and documentation completeness. Having all required documents ready will speed up the process significantly.

Most Regional Finance loans allow early payoff. Whether a prepayment penalty applies depends on your state's regulations and your specific loan agreement. Review your loan contract carefully or ask your branch representative before making an early payment to avoid unexpected fees.

Top alternatives include OneMain Financial (44 states, similar credit requirements), Mariner Finance (28 states, in-person service), Upgrade (all 50 states, fully online), and NetCredit (for lower credit scores). The best choice depends on your state, credit score, and loan amount. Compare all alternatives →

Yes. Regional Finance is operated by Regional Management Corp. (NYSE: RM), a publicly traded company headquartered in Greenville, South Carolina. Founded in 1987, it is accredited by the Better Business Bureau and regulated by state financial authorities in every state it operates. Being publicly traded means the company is subject to SEC reporting requirements, providing an additional layer of accountability. Read our full legitimacy and trust analysis →

Yes. Regional Finance reports payment activity to the major credit bureaus — Equifax, Experian, and TransUnion. This means consistent on-time payments can help build or improve your credit score over time, while missed payments may hurt it. If credit building is a goal, confirm the reporting schedule with your branch when you apply.

Thinking About a
Regional Finance Loan?
Read This Before You Apply.

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