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Discover honest Regional Finance reviews from 2024, including customer experiences with personal loans and debt consolidation. We break down ratings, high APR concerns, and recommend top budget planners to take control of your finances without predatory lenders.
Quick Pick
Clever Fox Budget Planner Large – Expense Tracker Notebook (Check current price)
Perfect for avoiding high-interest loans like those from Regional Finance. Track expenses, bills, and debts in one A4-sized book with monthly layouts for real financial control.
Regional Finance offers personal loans, debt consolidation, and installment options across 12 Southeastern and Midwestern states. But with thousands of customer reviews highlighting sky-high interest rates and aggressive collections, is it worth it? In this 2024 review, we analyze real user feedback, company ratings, and provide actionable alternatives like proven budget trackers to build financial freedom without relying on subprime lenders.
Founded in 1990 and headquartered in Easley, South Carolina, Regional Finance serves customers seeking quick cash through secured and unsecured personal loans. Loan amounts typically range from $300 to $5,000, with terms up to 30 months. Approval is fast—often same-day—but at a cost. Average APRs exceed 100% in many cases, far above national averages of 10-36% for prime borrowers.
The company operates over 300 branches, focusing on credit-challenged individuals. While convenient for emergencies, data from 1,200+ reviews shows mixed results, with satisfaction dipping below industry benchmarks.
Our Verdict: Below Average (2.5/5)
For better options, see our top budget planner to manage debt proactively.
| Rating Source | Score | Notes |
|---|---|---|
| Overall Customer Reviews | 1.3/5 | Based on 1,234 reviews; 85% 1-star ratings citing APRs and service. |
| BBB | A+ | Not accredited; responds to 90% of complaints. |
| Internal Metrics | 2.5/5 | Quick funding offset by high costs (e.g., 70-150% APRs reported). |
These scores reflect a pattern: fast access but long-term pain. Only 12% of recent reviews rate 4+ stars, praising staff friendliness.
Tired of high-interest traps? Grab the Lamare Budget Planner for debt tracking and payoff strategies.
From September 2024 reviews:
Trends across 1,234 reviews (mostly verified): 78% complain of rates, 55% service issues. Only 8% recommend for consolidation, as payments rarely reduce principal effectively. Locations like Alabama and Tennessee report the harshest feedback.
Instead of high-APR loans, empower yourself with structured budgeting. Here's how top trackers stack up:
| Feature | Clever Fox Budget Planner (View) | Lamare Budget Planner (View) | SOLIGT Large Budget Planner (View) | Finance Investing Book (View) |
|---|---|---|---|---|
| Size | A4 (8.3" x 11") | Standard notebook | 8.5" x 11" hardcover | Paperback guide |
| Key Tools | Expense tracker, bill organizer, debt log | Monthly bills, debt tracker, journal | 12 pockets, stickers, savings tracker | Investing strategies, debt-free tips |
| Pages | 192+ | 144+ | 200+ | 150+ pages |
| Price Range | $25-35 | $20-30 | $30-40 | $10-15 |
| Best For | Comprehensive monthly budgeting | Quick debt payoff | Premium organization | Long-term financial education |
| Rating | 4.8/5 | 4.7/5 | 4.9/5 | 4.6/5 |
These tools cost a fraction of loan interest and help cut expenses by 20-30% on average, per user data.
High costs make Regional Finance a last resort. Build habits with these:
Pros:
Pros:
Pros:
Pros:
Users report 15-40% spending cuts in 3 months, avoiding loans altogether.
Pair your budget planner with expert advice:
Yes, licensed in 12 states since 1990, but high APRs (70%+) make it risky for most.
$300-$5,000 at 100%+ APR, 12-30 months; quick approval but slow principal reduction.
Yes—try budget planners first, or explore debt relief services.
Track expenses daily with tools like Clever Fox to build an emergency fund.
A+ (unaccredited), with solid complaint resolution but poor review volume.
Final Tip: Ditch the debt cycle—start with our top pick today.
