Regions Credit Line
A fixed-rate Credit Line that requires no collateral and allows you to borrow, repay and borrow again up to your available credit limit. Limits up to $3k.
Not a Regions customer? Apply by phone at 1-888-462-7627 or in a branch.
Regions Credit Line at a glance
No collateral required
Secure the funds based on credit.
Fixed interest rates
Enjoy a predictable, fixed rate.
Use for Overdraft Protection
Link to your Regions checking account for overdraft protection.
Credit lines up to $3k
Current customers can apply online. All applicants can apply in branch or by phone.
Regions Credit Line details
Interest rates
Fixed Annual Percentage Rate of 21.9%
View Regions Credit Line product details.
Fees
Annual fee is $25, assessed on first billing statement and each year after
Over limit fee: $29
Late fee: $29
Cash Advance Fee: lesser of $10 or 10% of the advance excluding overdraft protection advances
Rate discounts
None
Minimum credit line amount: $500
Maximum credit line amount: Up to $3,000 for existing customers online or non-customers in branch.
Collateral requirements
There are no collateral requirements for a Regions Credit Line.
Access to funds
You will have full access to the funds online, by phone, in a branch or via access checks.
Your payment is due monthly and includes both principal and interest. The minimum payment is either 5% of your outstanding balance or $20, whichever is greater.
Automatic Payment Options
Allows you peace of mind that your payments will be automatically debited from your checking account each month.
Current Regions customers can apply online,1 by phone or in a branch
Current customers can apply online, in a branch or by phone for the Regions Credit Line. Apply by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.
Non-customers can apply by phone or in a branch
Non-customers cannot apply online for personal lines of credit at this time. However, non-customers can apply in a branch or by phone. Find a branch or make an appointment with a banker to learn more. Apply by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.
How does a Regions Credit Line work?
A Regions Credit Line is unique because it’s unsecured with a fixed interest rate. You can borrow up to your available credit limit, repay and borrow again. Not a Regions customer? Find a branch to apply.
