Regional Finance

Regional Finance Reviews

Laurens, SC

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Overall Rating1.6 out of 5
See all 185 reviews

About Regional Finance

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Regional Finance Reviews

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Reviewed Aug. 31, 2023

The people are nice and may give you a loan, but do not explain the loan details well. They charge interest rates over 29%. Also, the entire finance charge will automatically be placed as principal and you will be paying double interest (interest on the loan you borrowed and interest on the finance charge for the loan). For example if you receive a $4000 loan, their finance charge will be around $5000!!! for the loan. So instead of the finance charge being taken and paid over the life of the loan and you pay interest on the principal amount, they charge it upfront and your credit report will show that you have a $9000 loan.

You will pay interest on the entire $9k from day one, there for you are paying interest on the entire finance charge from day 1 Instead of over the life of the loan like a traditional loan. They charge every loan at 98%-%115 as a finance charge which is ridiculous and an high interest rate. If you need a loan, I do NOT recommend this type of loan… and after day 1, you cannot return it.. They force you to have loan insurance which is charge in, but the insurance does NOT allow for deferrals even if you pay on time.

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Customer ServiceStaffProcessTransparency

Reviewed May 19, 2023

I recently had the pleasure of working with the Regional Finance Company, and I must say, they exceeded my expectations in every way. As someone who was in need of a loan, I researched several options and decided to give Regional Finance Company a try. From start to finish, their service was exceptional. The customer service rep. Esmeralda ** was an outstanding individual. What truly sets Regional Finance Company apart, however, from other loan companies is their remarkable customer support. Throughout the entire process, I felt supported and well-informed. Their team was readily available to answer any questions or concerns I had, and they did so in a professional and friendly manner.

In conclusion, I highly recommend the Regional Finance Company to anyone in need of a loan. Their exceptional loan services, combined with their outstanding customer support, make them a trusted and reliable choice. I was thoroughly impressed with their efficiency, transparency, and dedication to customer satisfaction. Again, a special thank you to Esmeralda **.

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    Reviewed March 30, 2023

    If you take a loan with these people and then something happens like say health issues they refuse to work with you, then just take you to court. If somebody is telling you their health has declined and can only pay said amount what makes you think taking them to court is going to get the money. I mean if I no longer able to work, which means NO income which means I can't pay what I was. Should at least work with someone. I mean if I have to pick between paying a loan and paying for my meds/doctor to keep living. Do believe I'll pick life. Can't get anything from someone who has already lost everything.

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    Reviewed March 19, 2023

    I talk to this Company for a personal loan to Do some work at my house and pay off my Car. I didn’t know what was up until they told me my loan was approved for $12,000. I was excited about getting that much money so I can pay off a few bills not knowing that they was up to no good. When I got there to sign the papers for the loan this when they indicated that they will pay off my car for me that in turn sound okay for me. All wasn’t right they in up taking over my car and now I owe more money for my car than what the original payoff was it was only $3,871. I am so disappointed in this Company and will not refer no one to them. They take advantage of people in need of help.

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    Reviewed Feb. 8, 2023

    I received a check in the mail for $1500 I cashed it, paid down the loan. I borrowed additional funds thus starting my existing balance over. I'm at a 40% interest rate. I did this back in July of 2021. I've paid on time every month for over a year. Yet my balance is still $2500!!! They say loan open date is July 2022. Lies! They are preying on people who are in desperate need. Be aware! Do not be tempted. You will be paying them back Forever!

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    Reviewed Dec. 15, 2022

    The company is predatory, they sent me a check during the COVID19. I needed this money to pay my bill while I was going to trucking school. The interest rate was supposed to be 37%. I recently noticed that they refinance the original loan without my permission and are charging me 100% interest rate. Now I took another loan to pay it off but they are asking me to go to the branch in person. I would never recommend anyone to ever take a loan from this fraudulent company!! STAY AWAY!

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    Reviewed Aug. 18, 2022

    OK, I'm going to be completely honest. I received a loan from Regional Finance and at the time I needed the money. Well I got back on my feet and had enough to pay off the loan early. The loan was only $1400 and my balance was $2000. I paid $100 first month, $100 second month and $800 the third month. Which left me owing $1000. So last week I paid off the $1000 but here's the thing. You have to go to the branch to pay off your loan. You can't pay it off online. I think they do this because they want to try and talk you into borrowing more money. When I told the receptionist I wanted to pay off my loan. She said, "Oh no. You don't want to do that"! When I asked her why. She said, "because we need you to stay longer".

    At first I thought she was joking but when I paid off my loan. She said, she couldn't give me confirmation of the pay off right now and it would take over 20 minutes. I told her I would wait and I got my confirmation and a print out within five minutes. I also asked when would it show on my credit report as paid off. She said, she had no idea. So here is my advise. If you're considering getting a loan from this company. Pay it off as soon as possible but remember you can't pay off the loan completely without going into one of their offices. Which I feel is a set up to get you to borrow more money. I wouldn't use them again. Their rates TOO HIGH!

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    Reviewed April 8, 2022

    Be very aware this company is a fraud company. They will send you out these checks or maybe you just down and out and need help at the time...they will give you a loan. Don't tell you anything about they hiding fees and will drain you freaking dry...I have a loan out with these demons now and by the grace of God I will pay them off...and when I do I don't care how bad off I am. I will never in my life deal with this company ever..ever...ever for whoever is reading this message I letting you know now stay far as you can away from this company. STAY FAR FAR AWAY!!!...STAY BLESSED AND USED ANOTHER COMPANY!!!

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    Customer ServiceStaff

    Reviewed Oct. 3, 2021

    So, they sent me a check., I didn't ask for it. $2,400 and at the time, I was like.. Yeah I can pay off that refrigerator I got from Frys. That's fine but, at 12 payments of 24, they reach out to me and ask if I want to extend the loan. I'm like no, it's ok but they tell me "Oh don't worry.. You have such good payment history. No credit check, no worries.. Just take it." I decline but, in early September, I get COVID... Owe. Can't work 1/2 the month. So I call and ask if the offer is still there. Girl says absolutely. I tell her, "Ok maybe we can do it. I'll get back to you." When I call back on Monday, it's like.. They hate me. They don't care if I pay on time. They are like.. "No, you're no one." I have 4 payments left and, after all this runaround, I am done. I won't do business with them again. Sorry I ever did. I mean, don't call me and offer anything if you don't intend to go through. Wasting my time. Don't do business with them. You'll regret it.

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    Customer Service

    Reviewed July 27, 2021

    They sent a check to someone and using my ss#. I have never borrowed from them in my life. Now the person that received the money is not making payments or is behind. I am getting calls and letters from them wanting the money. I never give them permission to use my name or social security number. This company is a bunch of crooks who steals from any one they can. DON'T DO BUSINESS WITH THEM.

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    Regional Finance Company Information

    Company Name:
    Regional Finance