Regions Credit Line

A Regions Credit Line is a small line of credit that allows funds to be borrowed, repaid and borrowed again, up to your available credit limit. It requires no collateral and is a good source of funding for your emergency needs, or to link to your Regions’ checking account for overdraft protection.

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View All Personal Lines of Credit

The Basics

No Collateral Required
Emergency Funds
Overdraft Protection

Regions Credit Line

For You If…

You need a line of credit that requires no collateral, prefer a fixed interest rate and have a smaller home improvement or purchase to make. Learn more

Minimum Line Amount

^$500

Maximum Line Amount

^$3,000

Collateral Requirements

None

Access to Funds

Online, Phone, Branch or Access Checks

Repayment Frequency & Amount

A monthly repayment of principal and interest. 5% of your outstanding balance or ^$20, whichever is greater.

Rate Discounts Available

Automatic Payment Option

Allows you piece of mind that your payments will be automatically debited from your checking account each month. If your checking account is a Regions checking account, you may qualify for a rate discount.

Potential Fees

Annual Fee: ^$25

Over Limit Fee of: ^$29

Late Fee of: ^$29

Cash Advance Fee: lesser of ^$10 or 10% of the advance

Annual Percentage Rate (APR)

Fixed Annual Percentage Rate. See recent rates.

Loan Closing Options

Branch Only

Features

Fixed APR
No collateral required
Borrow as much as you need up to your credit limit
Use as overdraft protection on your Regions checking accounts

Ways To Open

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Ways to Apply for a Credit Line

Online Application
Apply today online.
Apply Now
Visit a Branch
Apply at a branch near you today.
Find a Regions Branch
Apply by Phone
1-888-462-7627 Mon - Fri 7 a.m. to 6 p.m., Sat 7 a.m. to noon.

Why Regions?

Flexibility

Whether you need a small or large line of credit, Regions has the options you're looking for.

Insights

Borrowing doesn't have to be an overwhelming experience. We have a host of helpful articles, loan calculators and other tools to make the process easier.

Rewards

When your Regions checking account is enrolled in Regions Relationship Rewards, you can earn points for opening or having a Regions line of credit. Points can be redeemed for travel, merchandise, cash and more.

Convenience

Manage your account online, and bank when you want with Mobile Banking, Online Banking with Bill Pay, and access to over 1,900 ATMs across Regions' 15-state service area. Help Me Decide

Personal Service

Our knowledgeable, experienced professionals will help you find just the right credit line for you, then you'll enjoy award-winning customer service through a branch, online, over the phone, on Facebook or Twitter, or even at an ATM.

Community Service

We believe in giving back to our communities by supporting local organizations and donating our time and talents. We even give associates a paid day off each year to volunteer with a cause of their choice.