Regional Finance Reviews

I went to the Ramsey Street office in Fayetteville NC about TWO weeks ago, paid off my loan and was told I have a refund coming back to me for a good amount! I was asked do I want to pick up the check or have it mail? I responded "mail it to me". As of today, mind you, this is TWO WEEKS ago, NO check, NO call NOTHING! The manager and one of his agents weren't too happy that I was paying off my loan, however, I told all of them "I'm done with the ripoff and the phone calls when I'm one day late OR I forgot"!! It was very uncomfortable when I went into the office, went into the one in Westwood shopping center to make a PAYMENT, since I was in the area, they had the same ATTITUDE!! I hope I never have to go to them ever again. The only person who treated me with respect was Ms. Tanisha and she's gone. So it's a Great Loss for the district! SMH.

This place is reporting me late to the credit bureau when I'm not late!!!! I have free legal with my job so I'm turning it over to them. They even had their lawyer contact me and when I asked for proof he has not responded.

These people will purposefully deceive you and keep you in revolving debt. They advertised a small check to incentivize you to come in and then proceeded to act like this was a new loan, when I reality they renewed my loan. Everything I paid in was wiped out. Do not take them at their word. They’re glorified scam artists.

Don't do it, you will be bothered continually by these people. They will offer to refinance with you and will put lies in the paperwork about things that you don't own. Very shady. Stear Clear. Borrow somewhere else.

Was completely lied to. Their only excuse for not giving me a loan was my income was 30 dollars short and I make $3,200 a month which I know is a lie, and it's people that only make a lousy 1500 a month and they gave them loans.

3/26/25 got a call from Liz then was transferred to Willy re: my payment. Mind you I spoke with Adriana about 2 weeks ago re: my March payment, which she said was a mistake on their end coz it was placed in a different account. Now Willy is checking about the January payment. I dated the check 12/30/24 when I mailed it (due every 6th), since it was dated early he wants to make sure that was for Jan payment. (This is becoming ridiculous this is end of March). I told him don’t you have a record of my payments… which he said yes and said I have another option for payment… I said if you can’t handle my check payments, I for sure will not give access to my direct bank account…(irritatingly laughable) I’m in the middle of a busy work day…& this is the multiple calls I get from Regional Finance. Kudos to those that have good experience but mine, just regret and scared…

Having to pay back more than double instead of a percentage interest is outrageous! After I get this ripoff paid I will never use them again! Screwing people over is bad business!!! Interest rate is higher than the IRS!!

SCAM/IDENTY THIEFS!!!! I have never done business with them, never even heard of them or nothing. And one day they called me saying a check was sent (to an address I no longer reside) and that the check was cashed, I had a panic attack and my health is declining because of the stress, they are saying because it was my name I am responsible, that their fraud department was going to make an investigation but could take months, it’s just a mess. Not sure how they even got my information. Please stay away from them and save yourself from being a victim.

Worst mistake was cashing the check. I've been paying for 9 months now and still at $2100 on a $2500 loan. I was in need of money so I cashed the check they sent me. Please don't do business with these people. I should've listened to the reviews.

I have been a customer of Regional Finance for 2 years, I paid off 2 loans by receiving the checks in the mail without any questions. I have never missed a payment. Recently I was offered additional funds to refinance my current loan. Keep in mind I have not had a prior contract. I paid faithfully without any issues. I receive the contract and can't believe what I read. The contract was written and intended for customers who are a credit risk and probably will not pay the loan off. This contract required collateral and to finance their insurance to cover any issues, plus any false information would be considered a felony by the insurance company. THIS IS INSULTING TO BE TREATED IN THIS MANNER AND I WILL NEVER DEAL WITH REGIONAL FINANCE AGAIN, ONCE THE LOAN IS PAID. READ THE CONTRACT TOP TO BOTTOM -FRONT AND BACK.

These people are snakes, stay as far from this company as you can. Paid one loan off with another loan just to have to pay 4600 back on a 2800 loan. I have only had this second loan for a year but the loan payoff is 36 months. Have already paid 3300 and still grows about 100 dollars extra a month in interest no matter how much I pay. Stay away from this company people.

Very shady business tactics and horrible follow up. I have had 2 loans with this company. One paid off and a recent renewal. I have never missed a payment since the renewal of the recent loan. I don't occur late fees because I pay a 11 days before the due date. The first insult was a year ago when I had to travel to a foreign country due to an emergency and asked for an extension to the following month. Promising a commitment to make 2 payments. I was denied unless I refinanced the loan. I declined to refinance.

Worst experience ever. You miss a payment by a few days and they act like they personally won’t eat or feed their family. Very unprofessional way on handling a late payment. They all need to take a course on better customer service and empathy skills. They treated me like I had been late for weeks, it was days. Called me up to 3x a day, for 4 days..hounding and asking very personal questions with the excuse of they wanted to “help” by offering me another loan? Why would that help? More debt and longer contract. No Thank You!!!

You can't pay off early because it is really a fee not interest. They lied to me. I'm suing them. Why would I pay more in fees than the loan. The employee said they have always done it. Contact your state attorney for predator lending.

I've done business with this company for several years and never had a problem until recently. A few months ago, when I asked them for help to meet an emergency situation, they wanted nothing to do with me. Meanwhile, other loan companies have called me regularly to ask if I need a loan. Whatever their problem may be, I will never attempt to deal with them again.

Agent never informed that insurance on the loan was $2500 and considered part of the loan. Was borrowing 5k, they added insurance balance to 5k making loan value 7500 and charged interest on a loan for 7500. Had I known this I would have walked out, plus agent made up false items such as big screen tv as collateral to qualify me for the loan also, so my 5K loan cost me 13k to pay back. This is not a loan company but a criminal organization. Stay clear of these crooks!!!

BEWARE!!!! This company is a big SCAM!!! They sent a check to an address that I haven't lived at over 12 years and it's funny how that got my current address and information. The lady told me to go to the office that is near me and I did get a copy of the check but they can't tell me what bank it was cashed at then they want you to fill out paperwork.

I notified in advance my payment would be delayed for unavoidable circumstances and was still charged a late fee, even after it was notated in my account. There was no apology or true understanding or inquiry about the circumstances of my situation.

I wish I could get people fired from here. THIS IS THE MOST UNPROFESSIONAL COMPANY! They must hire anybody off the street because I should sue. They called my job to collect a payment, that I already had scheduled to be paid. I told them to never call my WORK again, and she brushed me off and added "Okay, so how are you going to make payment." I said, "Please Hold" so I could check my card balances to pick the right one. Remind you this lady took it upon herself to call my job, so the line is recorded, and I have evidence of her treating me this way. She hung up on me and then ILLEGALLY RAN MY CARD! I never permitted her to run my card, so that is jail time.

I took out a $500 loan to build credit and ended up paying 3000.00 to have this acct closed June 2023. I looked into why my credit was being dragged to hell and come to find out these people are reporting my account to the credit bureau as late payment every month. I called corporate and was told to call the local branch just to be told they couldn’t do anything because the account was closed. Ramsey St. location has the nastiest customer service reps ever by the way. I was told to call corporate back; I spoke to a guy named Ed. He said that I’d been missing payments, the account was delinquent although I paid the account off. He stated that they have to report it to the credit agencies that way. I’m pretty sure this is illegal and very common of these people and this company. I can only imagine what other horror stories customers have regarding Regional Finance.

Everyone needs to bypass this company. They will give you a loan, but will not tell you all details and what it entails. Very poor service and what you pay for their loans is ridiculous. You should not have to 14,000.00 for a 6,000. loan. As a customer, you should know the details of these loans. They will avoid your calls and avoid telling you what should be told.

The check I deposited that was given to me from Regional Finance was charged back. At my suprise today when I looked at my account it's a complete disaster. I trusted in a company for a loan and after I deposited the check 3 days later I went from being in a bad situation to a WORSE situation. When I spoke with Nichole at Regional Finance she wasn't concerned. It's not her account the company has made a mess of. I was told to cash the check and now I'm out $480 in overdraft fees because I thought the funds were there and their check was returned. Horrible taste left in my mouth after this experience.

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.

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.

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.

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.

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!

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!

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".

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 again..so 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!!!