Regional Acceptance

Regional Acceptance Reviews

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Overall Rating2.4 out of 5
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Regional Acceptance Reviews

ConsumerAffairs has collected 212 reviews and 120 ratings.

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Page 1 Reviews 0 - 10
Customer ServicePriceStaff

Reviewed Sept. 5, 2023

I have been paying on my car for 7 years. Maturity date always change. Even when I didn't take a deferment. Representatives never give a straight answer. Feels like payment never ends. Simple interest loan there is a fee every day. I just realized today. I can't wait to finish paying loan. Worst experience with a financial company. I do not recommend to anyone.

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Customer ServiceStaff

Reviewed Aug. 30, 2023

Like everyone else in this country right now I am experiencing financial difficulty and have fallen behind. No matter how many times you talk to a representative and try to schedule a payment they still call and email nonstop. They called my office phone back to back one day after I had already talked to someone. Every representative I have talked to has been rude, they all encourage you to "borrow the money from someone" and then refuse to let me schedule a payment for my next payday because I'm behind. Then I get sent to the manager who calls and emails me repeatedly after speaking to several representatives.

First question she ask is "what's the problem, why can't you pay your bill?" I again explain to her the situation I have experienced and she says "I gave you an extension and I can gladly take that away and go ahead and put you in repossession status." I reminded her that I have tried to schedule a payment and they won't accept it. I was again told I should just borrow the money and pay them. I explained, "That's not an option." Told her I would gladly make a payment on my next payday and was told "Good luck" as she hung up on me. Wish I had never bought the car or financed with them, but I had no choice at the time with my car falling apart. Do yourself a favor and find a different lender. The people will harass you to no end to get their money.

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    Customer ServiceStaff

    Reviewed Aug. 8, 2023

    One word to rate their customer handling experience, TRASH. The representatives are poorly trained and will tell you whatever to secure a payment. Spoke with a member of management after Receiving multiple stories about my balance and he was RUDE. Never again.

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    Contract & TermsStaff

    Reviewed June 10, 2023

    I never write reviews, I'm usually the reader but I need to tell my story. Every review I'm reading sounds pretty much similar to my situation. Back in 2021 I decided to finance a 2019 Toyota Corolla, my credit was a mess but I was desperate and determined to drive something nice. I have been paying $500 every month for 2 years, the whole time noticing that the balance was barely dropping. Fast forward 2023 my car has just been totaled through no fault of my own and while I'm just looking back at all the paperwork and seeing the Blue Book value of the car, it's actually worth 12,000-13.000 which I've paid these last 2 years but I originally signed on for a 21,000 loan and after 2 years I still owe 18,000!!

    On the contract it says the amount I would pay once the contact is over will be 32,000!! I DEFINITELY DON'T WANNA DROP OVER 30k on a 2019 Corolla... Prayers for anyone going through this. I'm glad I was able to get out of this horrible contract one way or the other.... Thank God for gap insurance and thank you to the at fault driver who caused the accident without any serious injuries. Just a totaled car.

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    Customer ServiceCoveragePriceStaff

    Reviewed June 2, 2023

    I had purchased a vehicle through Regional Acceptance in 2019. They were charging me 680.00 a month for a 2016 Durango. I had made a payment in 2022 of 1500.00 to catch up my payments. I had told them to put the payment towards my principal balance. Within that next month they were calling me again telling me that I was behind. I told them, didn't I just pay you all 1500 to catch up my payments? She said, "Yes, but you're still behind." She said, "You have an interest loan and the amount you paid was towards your principal."

    The vehicle is totaled and I called to let them know. I spoke to a lady in the claims department. She did not take any of the information for my insurance company, she was telling me that I'm still behind and I need to pay the amount that's due because gap doesn't cover it. They also told me that those extensions are not covered by gap either, that I will still have to pay out of pocket for the extensions that I had gotten when I was behind, even though my insurance company and gap are paying the vehicle off. Stay away from this company.

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    Customer ServicePricePunctuality & Speed

    Reviewed May 4, 2023

    I bought a 2016 Ford Focus roughly 10/16. My truck broke down recently moved to South Florida. The interest rate was 23% (not mad cause I let my credit fall in a divorce). I was approved, received the loan and car. Three months later had an oops at work. Was in the hospital for 2 weeks, was late on the first payment, no worries, called them up and they worked with me. Before COVID came, bought a forty thousand dollar truck. Had two vehicle payments at the time, called them and told them we were slow and they gave me three months to regroup. It’s 2023, the car is paid off and so is the truck. My credit score was a 550, now 725 and if it wasn’t for them I wouldn’t have the credit I have now. So before bashing a company think what did you do wrong to have them repo your vehicle....

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    Reviewed May 4, 2023

    I bought my Kia in 2016. I have been paying $568 a month. I have paid over 33k and they say I still owe 12k. I even filed a complaint 2 years ago, with ConsumerAffairs, for predatory practices. DO SOMETHING!

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    Reviewed March 29, 2023

    I purchased a car in 2016 and Regional Acceptance is the finance company. The car was $20k and I was upside down by $14k. $34k with fair credit and a 17% interest rate. Yes, it was an awful and desperate deal.. But it's 2023 and I still owe 20k??? HOW? To my understanding, only $87.00 is going toward the principal and the rest is interest? Ugh and the loan matures in 11/23-what will happen then? I will have to get a lawyer who specializes in predatory lending and see if this is even legal.

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    Verified purchase
    Christopher increased rating by 4 stars.
    After a positive interaction with Regional Acceptance, Christopher increased their star rating on March 24, 2023.

    Updated review: March 24, 2023

    In my heart it’s resolved and I’m at peace with the decision that was made.

    Original Review: March 23, 2023

    Majority rules on these reviews. I blame myself, I should have worked on my credit but I needed a vehicle to get around. The only good thing was the repo man who’s coming tomorrow was very pleasant and professional. Let me choose the time and place. Only professional I’ve ever dealt with there. Regional did not give me an opportunity to work with them because I honestly couldn’t continue to pay almost $800 a month that was so underwater, it drowned. Just be careful, I don’t always go by reviews nor do I write any. But today 3/23/23 is bittersweet, and I’m glad I did it my way even though a repo is still a repo, that’s if they still in business. I done demolished my credit looking to refi. I guess if you have good credit they treat you better.

    They also said, “You know what they do right, they sell it at the auction and the remainder they will come after me." It’s already about 12,000 under, plus they probably say they sold it for barely nothing. When you know better you will do better. A very poor presentation of customer service I’ve ever endured in my life. I’m so glad it’s over. Then asked if I was going to keep the insurance and tags on the car and I responded in their language. They “the employees” were set up for failure because a real job, you won’t make it to Human Resources.

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    Reviewed March 16, 2023

    I got a loan from RAC in 2018 for $19K. After paying $500 every month for 3 years my balance was $18K. Do the math.... $500 x 12 = 6,000 x 3 = $18,000. According to RAC I only worked off roughly $1,000 of this loan. This should be against the law. I am writing my elected officials for help.

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    Regional Acceptance Company Information

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    Regional Acceptance