Regions Unsecured Loan

A Regions Unsecured Loan is a general-purpose loan for anyone who needs money in a single lump sum. It offers a fixed interest rate and predictable monthly payments, requires no collateral, and may be used for almost any financial need. Apply at a branch or by phone. Existing customers may apply online.¹

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Our Quickest Loan Ever. Designed Just for You.

This unsecured loan can bridge the gap between where you are and where you want to be.

As low as 4.74% APR²
Fixed Interest Rate
Or borrow up to $35K online
No Collateral Required

Regions Unsecured Loan Details

For You If…

You want a general-purpose loan in a single lump sum that does not require collateral.

Minimum Loan Amount

^$2,000

Maximum Loan Amount

Up to ^$35,000 if applying online

Up to ^$50,000 if applying in branch or by phone

Annual Percentage Rate (APR)

4.74%-16.49% APR²

Term

12 - 60 months; varies based on loan amount.

Collateral Requirements

No collateral required

Access to Funds

Funds are available in a single lump sum at loan closing.

Payment Frequency & Amount

Monthly repayment. Repayment amount varies based on term, APR and loan amount.

Rate Discounts Available

Rate discounts are available for loan amounts $5,000 or greater, if you elect to have your monthly payments automatically debited from your Regions checking account through our Automatic Payment Option. The amount of the discount varies based on your type of relationship with Regions, ranging from 0.25% up to 0.50%.

Automatic Payment Option

Allows you peace of mind that your payments will be automatically debited from your checking account each month.

Loan Closing Options

Online or In Branch

Features

Fixed interest rate
No collateral required
Predictable monthly payments

Ways To Open

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Ways to Apply for an Unsecured Loan

Online Application
Apply today online. ³
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?

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.

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 loan for you, then you'll enjoy award-winning customer service through a branch, online, over the phone, on Facebook or Twitter, or even at a VTM.

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.

Looking for More?

All loans are subject to terms and conditions, fees, documentation requirements, and credit approval.
As of today, annual interest rates range from 4.74% APR to 16.49% APR. 4.74% APR is only available to borrowers with excellent and substantial credit history, requires the 0.25% discount when monthly payments are automatically debited from your Regions checking account (Auto-Pay), and requires meeting other specific credit criteria, such as qualifying loan term and a loan amount of $10,000 or more. Your interest rate will depend on your credit history, loan amount, loan term, and election to receive the 0.25% Auto-Pay discount. All loans are subject to credit approval. Payment example: A 36-month, $12,000 loan at 6.49% APR will result in 36 payments of $368. A 48-month, $20,000 loan at 12.49% APR will result in 48 payments of $532.
Applying online is available exclusively for existing Regions customers. New customers can apply at a branch or by phone.