Guides / Lender matchup
Regional Finance vs OneMain Financial: Personal Loan Rates, Terms and Fees (2026)
Short answer: OneMain lends $1,500 to $30,000 at 11.99% to 35.99% APR in most states, with 1,300+ branches and online applications. Regional Finance lends $600 to $45,000 through branches in 20 states, often with collateral, and doesn't publish its APRs. Both offer vehicle-secured loans.
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| Regional Finance | OneMain Financial | |
|---|---|---|
| APR | Not published by the lender | 11.99% to 35.99% |
| Loan amounts | $600 to $45,000, varies by state | $1,500 to $30,000 |
| Terms | Varies by state | 24 to 60 months |
| Origination fee | No application or upfront fees | 1% to 10%, or a flat $25 to $500, depending on state |
| Funding time | Check the same day you sign at a branch | About 1 hour after closing to a debit card, or 1 to 2 business days |
| Minimum credit score | Not published | Not published |
| Late fee | Set in your loan agreement | Up to $30 or 15% of the payment, depending on state |
| Availability | AL, AZ, CA, FL, GA, ID, IL, IN, LA, MO, MS, NC, NM, OK, SC, TN, TX, UT, VA, WI | Not available in AK, AR, CT, MA, RI, VT or D.C. |
Choose Regional Finance if
- You live in one of Regional's 20 states
- You need less than $1,500
- You want an auto-secured loan above $30,000
Choose OneMain Financial if
- You want a published APR range before applying
- You want to apply online or by phone as well as in a branch
- You want a co-applicant on the loan
Can I check both at once?
Yes. One CLO application with a soft pull can return offers from both lenders, along with others in our network. Compare the full cost in our comparison tool before you choose.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
Regional Finance vs OneMain Financial: common questions
Which charges lower rates?
OneMain publishes 11.99% to 35.99%. Regional doesn't publish APRs, so ask for its rate schedule for your state and compare.
Do both require collateral?
Not always. Both offer secured loans. Regional often requires collateral, especially on larger loans.
Are both available in my state?
Regional serves 20 states. OneMain isn't available in AK, AR, CT, MA, RI, VT or D.C.