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Key takeaways
- The lender is owned by Regional Management Corp., listed on the New York Stock Exchange under the ticker RM.
- It operated 353 branches in 19 states as of year-end 2025.
- It offers small installment loans ($500 to $2,500) and large installment loans ($2,501 to $35,000), plus auto-secured lending.
- It is a state-licensed lender subject to federal consumer protection laws.
Regional Finance Key Numbers
| Fact | Detail |
|---|---|
| Brand | Consumer lending brand of RM |
| Parent company | Regional Management Corp. (NYSE: RM) |
| Founded | 1987 |
| Headquarters | 979 Batesville Road, Suite B, Greer, SC 29651 |
| Branches | 353 (year-end 2025) |
| States | 19 |
| Finance receivables | About $2.1 billion (December 31, 2025), up 13% year over year |
| Loan amounts | $500 to $35,000 |
| Loan terms | 6 to 60 months |
Figures come from Regional Management Corp.'s 2025 fact sheet. Check the company's investor materials for the latest numbers.
History of Regional Finance
The company grew from its South Carolina base into a 19-state branch network.
The company was founded in 1987 and is headquartered in Greer, South Carolina. Its model is built on face-to-face service and local underwriting through branches.
Its parent, Regional Management Corp., is a public company listed on the New York Stock Exchange. Today the company combines its branch network with online lending, digital partners and direct mail, while most loans are still serviced by local branches.
Regional Finance Products
Small installment loans
$500 to $2,500, terms of 6 to 48 months. Often used for repairs, bills and short-term needs.
Large installment loans
$2,501 to $35,000, terms of 18 to 60 months. Common for debt consolidation and larger purchases.
Auto-secured loans
Loans backed by a vehicle lien, which the company has identified as a growth focus.
All are fixed-rate installment loans with equal monthly payments. Explore each in our personal loans guide and small vs large loans.
Where Regional Finance Operates
The company lends in 19 states:
Each state sets its own rules on rates, fees and loan sizes, so offers differ from state to state. See locations by state for state-level details.
How Regional Finance Is Regulated
Consumer installment lenders are overseen at both the state and federal level.
- State licensing: lenders must hold a license in each state where they lend, and state regulators set rate caps, fee limits and examination rules.
- Truth in Lending Act: requires clear disclosure of the APR, finance charge, amount financed and total of payments before you sign.
- Equal Credit Opportunity Act: prohibits discrimination in credit decisions.
- Fair Credit Reporting Act: governs how payment data is reported to credit bureaus and how errors are disputed.
- CFPB: the Consumer Financial Protection Bureau accepts consumer complaints about lenders.
If you have a problem with any lender, you can file a complaint with the CFPB or your state's financial regulator. Our reviews page explains how.
How Regional Finance Compares to Other Lender Types
| Lender type | Model | Typical borrower |
|---|---|---|
| Regional Finance (branch lender) | Branch network plus online, fixed-rate installment loans | Fair credit, values local service |
| Online-only lender | Fully digital application and servicing | Good credit, comfortable online |
| Bank or credit union | Deposit-funded, lower rates | Good to excellent credit |
See what the process looks like in practice in Regional Finance online vs branch.
How the Branch Model Works for Borrowers
The company's approach differs from online-only lenders in a few practical ways.
- Local underwriting: branch staff can review documents and ask questions about income that an automated system might reject.
- In-person servicing: borrowers can make payments, ask about payoff amounts and discuss hardship at a branch.
- Multiple channels: loans can begin online, through direct mail offers or through digital partners, then be serviced locally.
The trade-off is cost. Branch lending to fair-credit borrowers carries higher APRs than prime bank loans. Review current rates and fees before you apply.
Questions to Ask Any Branch Lender
Whichever installment lender you consider, these questions protect you before you sign:
- What is my APR and total of payments? Both must appear on your Truth in Lending disclosure.
- Which fees apply? Ask about origination, late, returned payment and payment processing fees.
- Is any insurance or add-on optional? You can decline optional products.
- Can I pay early without a penalty? Get the answer in writing.
About Regional Finance FAQ
Who owns Regional Finance?
It is owned by Regional Management Corp., a publicly traded company listed on the New York Stock Exchange under the ticker RM.
Where is Regional Finance headquartered?
Its headquarters is at 979 Batesville Road, Suite B, Greer, South Carolina 29651.
When was Regional Finance founded?
The company was founded in 1987.
How many branches does Regional Finance have?
The company operated 353 branches across 19 states as of year-end 2025.
Is Regional Finance a bank?
No. It is a licensed consumer finance company that makes installment loans. It does not take deposits like a bank.
Is RegionalsFinance.com part of Regional Finance?
No. RegionalsFinance.com is an independent education and loan-request service with no affiliation to Regional Finance or Regional Management Corp.
Considering a Loan?
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Apply NowReturn to the Regional Finance loans guide, or review what you need to qualify.