Regions Credit Line

A Regions Credit Line 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. Apply at a branch or by phone. Existing customers may apply online.

View All Personal Lines of Credit

The Basics

  • no collateral required

    No Collateral Required

  • emergency fund tile

    Emergency Funds

  • overdraft protection tile

    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
Maximum Line Amount
Collateral Requirements
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 peace 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.
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
  • 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 Apply for a Credit Line

  • online Online Application1

    Existing customers only.

    Apply Now
  • a Regions branch Visit a Branch

    Apply at a branch near you today.

    Find a Regions Branch
  • on the phone Apply by Phone

    1-888-462-7627 Mon - Fri 6 a.m. to 7 p.m., Sat 8 a.m. to 2 p.m.

Why Regions?


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


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.


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.