Regions Help & Support

Your application will be evaluated based on the following general requirements and/or criteria to qualify for our personal loan or line of credit.

• Deposit relationship – To be eligible for our unsecured loan, unsecured line of credit, or recreational vehicle loan, you must have a Regions deposit relationship (checking, savings, Money Market or CD) that has been open for at least six months on which you are an owner.
• Credit score and credit history – As is the case with many lenders, we will consider your credit score and credit history when making the decision to approve your personal loan or line of credit application.
• Debt-to-income ratio – This information is used to show us how much of your monthly income goes toward your current debts.
• Income – Your current income along with your debt-to-income ratio is used to help us evaluate your ability to repay.

Additionally, requirements for our secured loan or line of credit products will vary depending on the type of collateral that will be used to secure the account.