Applying is simple

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.

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!

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).

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.