Regional Acceptance Reviews

Since I've been with this company I have trouble getting into my account every single time I wait for verification from call or text and never get it. There are fees for absolutely no reason. Even on time payments the next time I go to pay random hundred dollars here and there? For what? What a scam. My payment was right on time last month (they charge 20 for even one day late) and I tried to call to pay early and it was randomly $100. I don't even know what for literally no communication. Will be leaving soon.

They are not trustworthy. You pay them earlier they put it down as late! When you pay the car off they submit it's a charge off! 100% Scammer vibes even as I go through my second dispute on a car my insurance paid off a year ago in full, and made an extra payment while it was being processed.

Run and run fast. Do Not do business with them at all. They repossessed my car with no type of warning or notice. They don't deserve the one star that I gave them. This company is a FRAUD in every single way.

This place is so unprofessional. My car was totaled a year ago. I owed money on my car, so the insurance and GAP paid off my car almost completely. I lost my job and my payments were $720.00 a month. I didn’t have a car no longer due to it being totaled. I talked with Regional about my situation to see what they can do until I get financially situated again. I only owed $2,500 was my balance.

43k still "owed" on a 2024 Nissan Kicks. Even the towing company (we chose voluntary repo) informed us Regional told them that day to repo the vehicle... after Regional kept telling us for a week the order was put in. So, they completely lie, there is no paying off this debt, and expect you to respond "Thank you, daddy." A couple of tips; let them know the vehicle will be reported as an abandoned vehicle, that the loan is terminated so there will be no more interest accruing on it and that you do not consent to auto dial calls anymore. There are also several numbers. DO NOT GET A LOAN HERE. We took through photos and will update with the "balance after auction."

I DETEST this company! Got hung up on 3x, trying to find out a question to my situation. They're absolutely VICIOUS in the rudest way - especially now that our car was totaled and in an accident. Been with them for 6 years and I'd rather rip out my own teeth without anesthesia, than talk to them PERIOD.

I have bought a 2021 Jeep Renegade with them brand new in 2021. I have had nothing but good with them. I pay attention to due dates, never skipped payments and always pay a few extra dollars towards principal. Check my statements monthly and kept a copy of my loan agreement. I have less than two years and it will be paid off. With auto financing interest is always frontloaded. I don't understand any of the negative reviews for that as I clearly understood that as I closed the loan back in May of 2021. I also am thinking about paying it off six months early with a lump sump. They said just to call and confirm actual amount. No issues. Been good to me, always pay at least a week before due date. I appreciate their business and willingness to lend to me. Love my Jeep!

Yes my car was total lost on April 10th. Insurance company sent RAC a check for 7000$ and I only owed 3000$ left of car. My insurance company said they deposited and cash the car payoff check on April 25th. Why is it now 2 1/2 months and I still have not gotten my overage payment to go purchase me another vehicle and every time I call I get someone different that tells me a different story Everytime I inquire about my overage payment reimbursement.

I have a 2023 Mitsubishi. Like everyone else their customer service people are rude and relentless. I took over the payments from my husband. I got the vehicle caught up. In May their app said my balance was 275 and some change. I paid that on May 9 2025. I was at a zero bay. On May 15 when car note is due app said zero balance. I called their number to make sure. May 15th zero dollars. Next payment june 15 in the amount of 816.26. Lo and behold today I check to see if my June payment was there and now it says 856.07 due May 15. So I go from having a zero balance to a late balance with an additional fee.. I can't wait to be out under this company. If this keeps up they can come take this vehicle I can't stand dealing with their lying rude ** anymore. Just simply fed up. Do not ever use Regional Acceptance for a loan.

I have been a customer for 4 years and have paid all payments on time but my car got stolen and totaled then they call me every day wanting me to make a payment when the insurance has already paid them well what the car is worth. I set up arrangements to pay the balance in payments then after the first installment is paid they call wanting more money. They have been so heartless to my situation.