Regions Bank personal loans: APR, fees and requirements

What Regions Bank publishes about its personal loans (8.74% to 29.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.

Lender type	Bank
APR range	8.74% to 29.99%
Loan amounts	$2,000 to $50,000
Repayment terms	36 to 60 months
Origination fee	None
Minimum credit score	Not published
Funding time	Full approved amount (lump sum) at closing
Membership	Existing customers: must have a Regions deposit relationship (checking, savings, MM or CD) open for at least six months.
Availability	Up to $50,000 for existing customers.

How the lender states its rates: “As of today, annual percentage rates range from 8.74% APR to 29.99% APR. The lowest APRs are only available to borrowers with excellent and substantial credit history, who have their payments automatically debited from a Regions checking account (Auto-Pay), and meet other specific credit criteria, such as qualifying loan term of 36 months and a loan amount of $25,000 or more.”

How the starting rate compares

The lowest advertised APR, 8.74%, ranks 18 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.