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Regional Finance Personal Loans: Rates, Terms and Fees (2026)
Short answer: Regional Finance offers smaller, often collateral-backed loans through local branches in 20 states. You prequalify online and sign at a branch.
| At a glance | Regional Finance |
|---|---|
| APR range | Not published by the lender |
| Loan amounts | $600 to $45,000, varies by state |
| Terms | Varies by state |
| Origination fee | No application or upfront fees |
| Funding time | Check the same day you sign at a branch |
| Minimum credit score | Not published |
| Late fee | Set in your loan agreement |
| Availability | AL, AZ, CA, FL, GA, ID, IL, IN, LA, MO, MS, NC, NM, OK, SC, TN, TX, UT, VA, WI |
| Credit check to pre-qualify | Soft pull through CLO |
Good to know
- Online prequalification up to $12,000
- Larger loans need a first lien on a vehicle
- Collateral is often required
- Rates and terms are set by state; ask the lender
How Regional Finance reaches CLO
Offers from Regional Finance come through CLO's partner network, powered by Flexxbuy. CLO is not a lender and doesn't make credit decisions. Lenders can't pay to change what this profile says.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
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Regional Finance personal loan questions
What credit score do I need for Regional Finance?
Regional Finance doesn't publish a minimum credit score. Pre-qualifying through CLO shows whether Regional Finance will make you an offer, without affecting your credit.
How much can I borrow from Regional Finance?
Regional Finance loan amounts: $600 to $45,000, varies by state. The amount you're offered depends on your income, credit, existing debt and state.
What APR does Regional Finance charge?
Regional Finance's published APR range is Not published by the lender. Your rate depends on your credit profile, loan amount and term.
How fast does Regional Finance fund loans?
Check the same day you sign at a branch. Timing starts once your application and documents are complete.
Does checking my rate with Regional Finance affect my credit?
No. Pre-qualifying through CLO uses a soft credit pull. A hard inquiry happens only if you accept an offer and complete Regional Finance's application.
Sources: >Regional Finance · >Regional: licenses and disclosures. Found an error? Report it.