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Regional Finance: Personal Loan Review

The basics

Estimated APR

21.99% - 35.9%

Min. Credit Score

600+

Max. DTI Debt to Income Ratio

-

Origination Fees

0% - 10%

Late Penalties

$10

Prepayment Fees

$0

Good for: Flexible payment options, fast funds.

Our verdict

This is a good loan option for people who don't have the best credit history but are actively working to improve it.

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Beyond the basics

Need fair credit score

Fast funds

APRs starting at 21.99%

Loan Amounts

$500 to $12,000

Loan Terms

24-60 months

Time to Funding

1 business day

Full review

Lender description Regional Management Corp. has been in business for over 30 years.

Best used for

  • Emergency loans in a short amount of time.

Pros & cons

  • Fair credit accepted
  • Co-applicants accepted
  • Funds within 1 business day
  • Only available in 14 states
  • Must use collateral
  • Funds received by check, not bank transfer
  • Loans are $10,000 and lower

Most suitable for

  • Borrowers in need of fast funds who may not have a bank account
  • Borrowers who want a co-signer

How to qualify You'll need to have proof of identity, provide proof of income and employment, and proof of citizenship or residence permit.

How to apply Prequalify on Credello online or apply through Regional Finance's web site.

Footprint Loans are available in Alabama, Georgia, Illinois, Indiana, Mississippi, Missouri, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin.

Loan example A loan amount of $5,000 for a term of 48 months, with an APR of 31.22% the monthly payment is $183.60