Regional Management is a consumer finance company that makes installment loans to subprime, non-prime, and near-prime borrowers — customers who typically can't access credit from banks or mainstream lenders. The company operates under the Regional Finance brand through 353 branches across 19 states, serving roughly 591,000 active accounts. Regional offers two core products: small loans ($500–$2,500, up to 48-month terms) at a weighted-average APR of ~44%, and large loans ($2,501–$35,000, up to 60-month terms) at ~31% APR. A growing third product is the auto-secured large loan, where Regional takes a vehicle lien for higher-quality borrowers. Regional earns money on the spread between the yield on its loan portfolio and the cost of funding it, primarily through asset-backed securitizations. The dominant variable cost is credit losses, which ran at ~10–12% of the portfolio in 2025. Regional pursues a "barbell strategy," growing high-APR small loans alongside lower-loss auto-secured loans simultaneously. A "graduation strategy" moves successful small-loan borrowers into larger loans over time. Nearly 74% of originations flow through branches, and almost all loans are serviced in-branch. Regional also sells optional credit insurance products alongside loans, contributing ~7% of total revenue. Growth levers include geographic expansion into new states, scaling the auto-secured product, and increasing digital originations, which reached ~32% of new customer volume in 2025.