Key takeaways
- Bring a valid government-issued photo ID, proof of income and proof of residence.
- Have your bank account and routing numbers ready for direct deposit and autopay.
- For a secured Regional Finance loan, bring your vehicle title, registration and proof of insurance.
- Read every disclosure before signing; you can take your time.
Why Regional Finance uses branch visits
Regional Finance runs 353 branches across 19 states, and most loans are serviced locally. Some loans you start online still need to be signed at a branch.
The visit lets the branch team verify your identity and documents in person and walk you through the agreement. It also gives you a contact you can call later if your situation changes. Learn more in Regional Finance online vs branch.
The Regional Finance branch document checklist
| Document | Good examples | Why it is needed |
|---|---|---|
| Photo ID | Driver's license, state ID, passport | Confirms identity; must be current |
| Proof of income | Two recent pay stubs, benefit award letter, recent tax return if self-employed | Shows you can afford the payment |
| Proof of residence | Recent utility bill, lease, mortgage statement | Confirms you live in a state Regional Finance serves |
| Bank details | Account and routing numbers, or a voided check | For direct deposit and autopay |
| Social Security number | Your card or the number itself | Used for the credit check and reporting |
| Vehicle documents (secured loans) | Title, registration, proof of insurance | Needed to record a lien on the vehicle |
Extra documents for special situations
Self-employed
Bring your most recent tax return and recent bank statements that show regular deposits.
Retired or on benefits
Bring a Social Security, pension or disability award letter for the current year.
Recently moved
Bring a signed lease or a utility bill in your name at the new address.
Consolidating debt
Bring recent statements for the debts you plan to pay off, including account numbers and payoff amounts.
Questions to ask at your Regional Finance appointment
- What is my APR, and what is the total of payments?
- Is there an origination fee, and is it taken out of my loan proceeds?
- Are any products on this contract optional, such as credit insurance?
- Is this loan secured, and what happens to the collateral if I fall behind?
- Is there a fee for paying the loan off early?
- What payment methods are free, and can I set up autopay today?
- Who do I call if I expect to miss a payment?
Background on each cost is on our Regional Finance rates and fees page and in our guide to credit insurance on personal loans.
What happens during the visit
- Check-in and ID. The team confirms your identity and reviews your documents.
- Final review. Income and residence are verified, and a hard credit inquiry is made if not done already.
- Disclosures. You receive the Truth in Lending disclosure showing APR, finance charge, amount financed and total of payments.
- Signing. You sign the agreement once your questions are answered.
- Funding. You receive a check or set up direct deposit, often within about one business day.
Before you leave the branch
- Write down your first due date and payment amount
- Confirm autopay is active, or note how to make free payments
- Save the branch phone number in your contacts
- Set a calendar reminder three days before each due date
Planning your budget? See how to budget for a monthly loan payment.
Common Regional Finance branch visit mistakes
Most second trips to a branch come from small, avoidable issues. Check this list the night before your appointment.
| Mistake | Why it causes delays | How to avoid it |
|---|---|---|
| Expired ID | Identity cannot be verified | Check the expiration date on your license or state ID |
| Old pay stubs | Income may not reflect your current job | Bring the two most recent stubs |
| Bill in someone else's name | Does not prove your residence | Use a lease, bill or statement in your own name |
| Title with an existing lien | Vehicle cannot secure a new loan | Bring proof the earlier lien was released |
| No bank details | Direct deposit and autopay cannot be set up | Bring a voided check or your account and routing numbers |
How to read your Regional Finance loan papers at the branch
You will usually receive a Truth in Lending disclosure and a loan agreement. Take the time you need. A reputable lender will not rush you.
- Find the APR box. Compare it with the rate you expected from prequalification.
- Check the amount financed. If it is lower than your loan amount, a prepaid fee was deducted. See our origination fee guide.
- Read the total of payments. This is the full amount you will repay over the term.
- Look for add-ons. Optional products should have their own consent section.
- Confirm the payment schedule. Note the first due date and the number of payments.
Branch visit FAQ
Do I need an appointment at a Regional Finance branch?
Walk-ins may be possible, but calling ahead helps the team prepare and can shorten your visit.
Can someone else sign for me?
Generally, no. The borrower must verify identity and sign. A co-applicant, if allowed, must also be present with ID.
What if I am missing a document?
Ask the branch what alternatives they accept. Many lenders accept more than one type of proof of income or residence.
How do I find the nearest branch?
Use the official locator on regionalfinance.com, or see our Regional Finance locations by state.
Prepared? Check Your Options First
Start with a soft credit check so you know what to expect before your visit.
Apply NowStart from the Regional Finance loans guide or review the full requirements.