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Regions Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 19 October 2023
Fact checked

Regions Bank auto loans overview

Regions Bank logo

Regions Bank provides vehicle financing options with great rates and flexible repayment periods to its customers across the South, Midwest, and Texas. Whether for purchasing or refinancing, rates begin as low as 6.49% APR. Plus, qualified borrowers can get rate discounts with electric vehicles and automatic payments.

Want to see what a Regions auto loan will cost? Try the Regions Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Regions Bank auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: $125,000.
  • Interest rates: 6.49% to 13.99% APR.
  • Loan terms: Up to 72 months.
  • Loan fees: Undisclosed.
  • Discounts: Discounted rates for qualifying electric vehicles and autopay discounts.

REGIONS BANK AUTO LOAN OPTIONS

New and used auto loans

Regions Bank offers financing and refinancing options for pre-owned and new vehicles and light trucks. You can lock in rates ranging from 6.49% to 13.99% APR and terms stretching up to 72 months. Moreover, you can secure discounted rates through electric vehicle loans.

Regions Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Regions Financial Corporation

Regions Financial Corporation auto loan

Regions Financial Corporation auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Regions Financial Corporation auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Regions Bank auto loan

Eligibility criteria

Even if Regions doesn’t disclose the requirements, you usually need to satisfy the following:

  • At least 18 years old
  • A legal resident
  • Employed or have a dependable source of income

Other than the basic criteria, make sure you also check your credit score and debt-to-income ratio (DTI). Remember that keeping an excellent credit standing and a low DTI ratio can help you qualify for credit easier.

What you’ll need to have ready

Personal details

When you apply for auto financing with Regions Bank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Regions with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

If you’re refinancing an existing loan, Regions will require more information on your vehicle. For example, you need to prepare the estimated value, vehicle identification number (VIN), year, make, and model. Additionally, you need to indicate your current lender when you apply.

Ways to apply for a Regions Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-888-462-7627

Additional Regions auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it can range from a day to a few weeks based on your application.
  • Rate discounts: Rate discounts for qualified electric vehicle loans and a 0.25% APR discount with autopay.
  • Repayment frequency: Monthly.
  • Late payment fees: 5% of the unpaid balance or $100 (whichever is less).
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: 7 years old.
  • Maximum vehicle mileage: Fewer than 90,000 miles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Purchasing and refinancing available.
  • Convenient online application.
  • Complimentary GAP insurance.
  • Dealership and private-party purchases allowed.
  • Available to new and used vehicles.
  • Discounted rates for qualified electric vehicle loans.
  • 0.25% rate discounts with auto-debit from a Regions checking account.
  • Joint applications allowed.
  • Automatic payments available.

Cons

  • Undisclosed loan terms.
  • 5% or $100 late fee.
  • Applicants with poor credit may get higher interest rates.

FREQUENTLY ASKED QUESTIONS

What are the current auto loan rates at Regions Bank?

Regions offers auto loans with interest rates ranging from 6.49% to 13.99% APR.

Does Regions Bank refinance car loans?

Yes. You can transfer your current vehicle loan from a different financial institution to benefit from Regions Bank’s rates.

What is the maximum term of a Regions auto loan?

Depending on your rate, loan amount, and collateral, you may finance vehicles for up to 72 months.

Where can I apply for a Regions Bank vehicle loan?

You can apply for vehicle financing online, over the phone, or by visiting a Regions branch.

What information do I need to provide when applying for a Regions auto loan?

Other than your personal and contact details, you also need to indicate information on your income and employment.

How much do I qualify for with a Regions Bank auto loan?

You may borrow up to $125,000. Remember though that your maximum loan amount may depend on several factors.

Will applying for an auto loan with Regions affect my credit score?

Submitting a formal application means Regions will conduct a hard credit check, which will appear on your credit report. In turn, this will lower your score by a few points. Nonetheless, you can build your credit by consistently meeting your monthly repayments.

Video: Just a Minute: What is GAP coverage, and how can you get it for no cost with Regions?

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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