Protecting yourself
from fraud.
Scammers pretend to be lenders, banks and insurers. Find out how scams work, the warning signs to look for and the steps you can take to keep your money and details safe.
Report a suspicious message ↗We never ask for an upfront fee. If someone asks you to pay to “release” or “approve” a loan, it is a scam.
Never share your PIN, password or one-time code. Not with callers, chat agents or anyone claiming to be us.
Beware of pressure and urgency. Real lenders give you time to read terms and decide.
Check who you’re talking to. We only communicate through our website live chat and official email.
STARTS HERE
Real support for
real-life goals.
At Regency Loans, we believe that your next big step deserves a lending experience that feels straightforward, personal, and reassuring.
Whether you're improving your home, planning your education, or taking care of an important expense, we're here to help you explore your options.
Loans for every
new beginning.
Every goal looks different. Explore the options below and find a starting point for your next chapter.
Personal Loans
Extra flexibility for the moments that matter most.
↗Home Improvements
Bring your ideas for a better home to life.
↗Car Finance
Explore your options for your next set of wheels.
↗Education Costs
Support for the learning opportunities ahead.
↗Insurance
Cover for your car, home, health and the people who matter.
↗Mortgage
Home-buying and refinancing options with clear guidance.
↗Offers made
for you.
Illustrative offers — confirm current terms and eligibility before publishing or applying.
New customer? Say hello to a welcome bonus
Open a Regency account and complete the offer requirements.
See offer details ›Flexible loans, clear terms
Personal, car, home improvement and education financing.
Learn more ›Bundle cover and save
Ask about insurance options alongside your loan.
Learn more ›Interest rates today
Estimate your repayments with our calculator.
Try the calculator ›Don’t have an account yet?
Register in minutes and open your Regency account.
Estimate your
repayments.
Adjust the amount, term and interest rate. Figures are estimates only and are not an offer or approval. Your actual rate depends on eligibility and verification.
To bank with us,
you’ll need to:
- be 16+
- be a resident of the US
- have a smartphone and a US mobile number
- be a tax resident of the US
- meet our credit history criteria — we’ll do a soft credit search to confirm this
- have a valid email address for live chat and email support