Regions Auto Financing

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Congratulations!  Now that you have a Certificate on the vehicle you selected through the Regions Auto Center, you're ready to contact the dealers that can provide that vehicle to you.

If your Certificate identifies a Participating Dealership that offers financing through Regions Bank, we make it easy for you to finance the purchase of the vehicle you've selected on the Regions Auto Center. 

With financing through a Participating Dealership, you will enter into a retail installment sales contract with the dealer selling your selected vehicle. Before entering into this contract, the dealer will have confirmed with us or another lender that you qualify for financing. By confirming that you qualify for financing, the dealer knows that it can sell and assign your contract to the lender in order to receive immediate payment for the vehicle you purchased, rather than waiting to receive your payments over time. Because your contract is sold and assigned to the lender, you will make your payments to the lender instead of the dealer.

By applying below for financing through a Participating Dealership, you will learn whether you qualify for financing with us. If pre-approved, you will have the assurance of knowing that Regions would be willing to purchase your retail installment sales contract with this dealer, but you will have no obligation to finance your purchase of the vehicle you found on the Regions Auto Center website with us. The Annual Percentage Rate (APR) and other repayment terms that Regions can provide will depend on a number of factors, including your credit history, the type of vehicle you finance, the amount financed and the term of your financing contract.

Find out if your chosen dealer is a Participating Dealership

With financing through a Participating Dealership, flexible terms, competitive rates and prompt credit decisions are just a few of the advantages of you'll receive.


Features and Benefits Financing through a Participating Dealership
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2.04% to 9.89%1
Loan Amounts
Minimum $2,000
Loan to Value2
Up to 130%
  • New or used automobiles
  • Light trucks up to 1/2 ton
  • No other liens
  • No more than seven years old
Mileage Limits
Mileage up to 120,0003
Car Age: Term:
2012-2014 48-75 months
2009-2011 48-72 months
2008 48-60 months
2007 36-48 months
2006 36 months

What you need to apply:

By applying, you authorize us to notify the Participating Dealership if you are pre-approved.

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1. Advertised Annual Percentage Rates (APRs) are effective as of April 1, 2013, and subject to change at any time. These APRs are available only to borrowers who meet credit requirements and enter into financing agreements secured by new or used model cars (2006 or newer) with no other liens. Your APR and repayment terms will depend on your credit history, amount financed and term of your financing agreement. For example, with an APR of 4.19%, an amount financed of $25,000 and a term of 72 months, the monthly payment would be $393.96.  Your APR may be higher or lower than the APR in this example. Vehicle information as well as drivers license number, issue date and expiration date for all signers are required to complete the application. Additional restrictions may apply.
2. Loan to Value (LTV) based on dealer invoice on new vehicles or NADA value for used vehicles, plus tax, tag and title fees.
3. Maximum amount financed of $35,000 on used vehicles with mileage of 90,000 to 120,000 miles.
4. Minimum amount financed of $15,000 for any term in excess of 60 months.

Call 1-800-REGIONS