Regions Unsecured Loan at a glance
As low as 5.74% APR
Competitive, fixed rates based on amount, terms and credit score.
Online pre-approval in seconds
Receive your loan options within minutes.
Apply online for same-day funding
Current customers can apply for up to $50k online, in branch or by phone.
Check rates online with no credit impact
Checking your loan options does not impact your credit score.
Regions Unsecured Loan payment examples
Based on the examples below, your monthly unsecured loan payment might look like:
-
24-month repayment $12,000 loan at 6.99%
$537.32PER MONTH FOR 24 MONTHS
-
36-month repayment $12,000 loan at 7.49%
$373.29PER MONTH FOR 36 MONTHS
-
48-month repayment $12,000 loan at 8.49%
$295.79PER MONTH FOR 48 MONTHS
Regions Unsecured Loan details
Interest rates
Regions Unsecured Loan interest rates range between 5.74%-19.99% APR2. Your fixed interest rate will depend on your credit history, loan amount, loan term and whether you are eligible to receive the 0.25% Auto-Pay discount.
View Unsecured Loan product details.
Fees
Loan processing fee: $0.00
Return item fee: $15
Late Fee: 5% of the unpaid loan payment amount or $100, whichever is less.
Rate discounts
Rate discounts are available for loan amounts of $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%.
Minimum Unsecured Loan Amount: $2,000
Maximum Unsecured Loan Amount: Up to $50,000 for existing customers. Non-customers can receive up to $35,000 in branch or by phone.
Collateral requirements
There are no collateral requirements for the Regions Unsecured loan.
Access to funds
You will receive the full amount (one lump sum) of your approved loan amount at the time of closing.
Repayment occurs monthly and the amount varies based on:
- Terms
- APR
- Loan amount
Terms
Terms range between 12 months (minimum) – 60 months (maximum) and vary based on loan amount.
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,3 by phone or in a branch
Current customers can apply in a branch, online or by phone for Regions Unsecured Loan. Same day approval is available for up to $50,000 online, in branch, or by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm. If you do not receive a loan offer from Regions, you may be eligible for an offer with our partner, Avant.
Non-customers can apply by phone or in a branch
Non-customers who have received a marketing offer that includes an invitation code can apply online. All other non-customers may apply in a branch or by phone for up to $35,000. 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 Unsecured Personal loan work?
The full amount will be provided to you in one lump sum, and a fixed interest rate begins accruing at that time. You pay the funds back (plus interest) over your monthly term. Not sure that’s what you’re looking for? Compare all our personal loans side by side.
