What Regional Finance payment methods are available
Regional Finance is a consumer finance company that offers personal loans and lines of credit. If you have a loan or line of credit with them, you can make payments through several channels: online through their website, by phone, by mail, or in person at a Regional Finance branch office.
The fastest and most convenient method for most borrowers is online payment through their website or mobile app. You can set up a one-time payment or enroll in automatic recurring payments that deduct from your bank account on a date you choose. Phone payments are also processed the same day if you call during business hours, though Regional Finance charges a fee for this method at some locations.
If you prefer not to pay online or by phone, you can mail a check or money order to the address listed on your loan statement, or visit a branch office in person with cash or a check. Mail payments take longer to process — typically five to seven business days — so plan ahead if your payment is due soon.
Key Takeaways
- Online payment through the Regional Finance website or app is the fastest method and typically has no fee.
- Phone payments are processed the same day but may include a fee depending on your location and account type.
- Mail and in-person payments work but take longer, so send mail payments at least a week before your due date.
- You can set up automatic recurring payments online so your loan payment deducts from your bank account on the same date each month.
- Your loan statement and account page show your current balance, due date, and the exact payment amount owed.
Making a payment online or through the mobile app
Log into your account on the Regional Finance website using your loan number and PIN or password. Once logged in, look for a "Make a Payment" or "Pay Now" button, usually located on your account dashboard. Enter the amount you want to pay — you can pay the full balance, the minimum due, or any amount in between — and select your payment date.
Regional Finance will ask you to confirm your bank account information if this is your first online payment. Provide your routing number and account number from a check, or let the system pull this information directly from your bank if that option is available. The payment is usually processed within one business day, though it may take longer if you schedule it for a weekend or holiday.
The mobile app works the same way and is useful if you need to make a payment while away from a computer. read the Regional Finance app from your phone's app store, log in with the same credentials, and follow the same steps to submit your payment.
Paying by phone or mail
To pay by phone, call the customer service number on your loan statement or bill. A representative will ask for your loan number and the amount you want to pay, then process the payment over the phone. Some Regional Finance locations charge a convenience fee for phone payments — typically $5 to $15 — so ask about this before confirming the payment. The payment posts to your account the same business day.
To pay by mail, write a check or money order for the amount due and send it to the address printed on your statement. Always include your loan number on the check so the payment is credited to the correct account. Mail payments take five to seven business days to process after Regional Finance receives them, so send your payment at least a week before your due date to avoid a late payment.
Do not send cash by mail. If you want to pay with cash, visit a Regional Finance branch office in person during business hours. Bring your loan statement or account number so the teller can locate your account, hand over the cash, and receive a receipt.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your online account, find the "Automatic Payments" or "Recurring Payments" section, and select the amount and date you want the payment to deduct each month. You can choose to pay the full balance, the minimum due, or a fixed amount you set yourself.
Once enrolled, the payment will deduct from your bank account on the date you selected each month, as long as your account remains open and in good standing. You can change or cancel automatic payments at any time through your online account. If you need to stop a payment before it processes, contact Regional Finance customer service as soon as possible — they may not be able to stop a payment that has already been submitted to your bank.
What to do if a payment is late or missed
If your payment does not arrive by the due date, Regional Finance will report it as late to the credit bureaus after 30 days. A late payment can lower your credit score and may trigger a late fee added to your balance. Contact Regional Finance when ready if you know a payment will be late — some lenders will waive a single late fee if you call before the important date and explain the delay.
If you are struggling to make your regular payment, ask about a payment plan or deferment option. Regional Finance may be able to adjust your payment schedule or temporarily pause payments, though this usually extends the length of your loan and increases the total interest you pay. The sooner you contact them, the more options may be available to you.
Payment timing and your due date
Your due date is listed on your loan statement and in your online account. Payments made online or by phone are usually credited the same business day, but payments mailed by check take five to seven days. If your due date falls on a weekend or holiday, Regional Finance typically extends the important date to the next business day, but do not rely on this — send payments early to be safe.
If you are enrolled in automatic payments, the deduction happens on the date you selected, regardless of whether it is a weekend or holiday. Your bank may hold the payment for a day or two before it clears, so make sure you have enough money in your account on that date to cover the payment.
Frequently Asked Questions
Can I pay Regional Finance with a credit card?
Regional Finance does not accept credit card payments directly through their website or phone line, as this would add a processing fee to your account. You can only pay with a bank account (for online, phone, or automatic payments), check, money order, or cash in person at a branch.
What happens if I pay more than the amount due?
The extra amount is applied to your account as a credit and reduces your next payment or the total balance owed. You can request a refund of the overpayment, though some lenders hold it as a credit on your account instead. Check your account page or call customer service to see how your overpayment was handled.
Is there a fee for paying online?
Regional Finance does not charge a fee for online payments made through their website or app. Phone payments may include a convenience fee at some locations, and mail payments have no fee but take longer to process.
How do I know if my payment was received?
Log into your online account to see your payment history and current balance. Payments made online or by phone appear within one business day. Mailed payments take five to seven days to post. You can also call customer service to confirm a payment was received.
Can I change my automatic payment date?
Yes. Log into your account, find the automatic payment settings, and select a new date. The change takes effect on your next scheduled payment. If you need to stop an automatic payment when ready, contact Regional Finance customer service right away, as they may not be able to halt a payment that has already been sent to your bank.