Key takeaways
- Regional Finance offers fixed-rate installment loans in Tennessee with set monthly payments.
- Tennessee also licenses title pledge lenders and flexible credit (flex loan) lenders, which work very differently.
- The Tennessee Department of Financial Institutions (TDFI) licenses consumer lenders and takes complaints.
- Always compare the APR and total of payments, not just the payment amount.
How Regional Finance Loans Work in Tennessee
A Regional Finance loan in Tennessee gives you one lump sum, repaid in equal monthly installments until a fixed payoff date.
Company-wide, amounts range from $500 to $35,000, with terms of 6 to 60 months. Tennessee law sets the final charges for each loan type and size, and your Truth in Lending disclosure shows the exact APR.
Regional Finance vs Title Pledge and Flex Loans in Tennessee
Tennessee has several distinct kinds of licensed short-term credit. Knowing which one you are looking at matters more than any advertised rate.
| Type | How it works | Main risk |
|---|---|---|
| Installment loan | Fixed payments, fixed end date | Total interest on longer terms |
| Title pledge loan | Short-term loan secured by your car title, often renewed monthly | Renewals and possible loss of the vehicle |
| Flex loan (flexible credit) | Open-ended line with daily charges | Balances can linger with high total cost |
| Deferred presentment (payday) | Small advance against your next paycheck | Very short term; repeat borrowing |
Who Regulates Regional Finance in Tennessee
| Role | Agency |
|---|---|
| Licenses consumer lenders | Tennessee Department of Financial Institutions |
| Consumer protection | Tennessee Attorney General, Division of Consumer Affairs |
| Federal complaints | CFPB |
Verify lender licenses with TDFI or NMLS Consumer Access.
Finding a Regional Finance Branch in Tennessee
Search by ZIP code on the official locator at regionalfinance.com for current addresses and hours. Tennessee borrowers commonly look near:
East Tennessee
Knoxville, Maryville, Morristown, Johnson City and Kingsport.
Chattanooga area
Chattanooga, Cleveland and Athens.
Middle Tennessee
Nashville, Murfreesboro, Columbia and Cookeville.
Clarksville
Clarksville and the Fort Campbell area. Active-duty borrowers are covered by the Military Lending Act.
West Tennessee
Memphis, Jackson and Dyersburg.
Plateau and rural counties
Crossville, Tullahoma and McMinnville.
Budget Tips for Tennessee Borrowers
- Tennessee has no state tax on wages, so your take-home pay is a good base for the 10% payment rule
- Line up your due date with paydays to avoid late fees
- Compare any offer with local credit unions if you are a member
- Use the loan calculator to test a shorter term
Before You Sign a Regional Finance Loan in Tennessee
Tennessee borrowers see many types of credit advertised side by side. Before you sign any Regional Finance agreement, run through this short check:
- Confirm the document says installment loan, not title pledge or flexible credit
- Find the APR, finance charge and total of payments on the disclosure
- Ask whether any product on the contract is optional
- Confirm the due date works with your pay schedule
Regional Finance Tennessee FAQ
Does Regional Finance have branches in Knoxville and Memphis?
Regional Finance operates branches across Tennessee. Use the official locator to find the nearest Knoxville or Memphis office.
Is a Regional Finance loan a title loan?
No. It is an installment loan. Some larger loans may be secured by a vehicle, but they still have fixed payments and a payoff date.
Who do I contact about a lender problem in Tennessee?
Start with TDFI, then the Attorney General's Division of Consumer Affairs or the CFPB.
Can I request a loan online in Tennessee?
Yes. Start with our free loan request; some loans are finalized at a branch.
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