Regional Finance is a consumer finance company operating through a branch network in multiple states, providing fixed-rate, fully amortizing installment loans to subprime and near-prime consumers who lack access to traditional bank credit. The company offers two core lending products—large installment loans (typically secured by household goods and vehicles) and smaller installment loans (generally secured by household goods)—supplemented by optional payment protection insurance. Regional Finance generates revenue primarily from interest and fees on its loan portfolio, along with ancillary insurance income, and distributes loans through a combination of branch locations, direct mail, digital partners, and online channels, with the majority of originations and all servicing occurring through its physical branch locations.