Dealer FAQs

Regional Acceptance Corporation is an indirect non-prime auto finance company with strategically placed decentralized business centers across the United States. To better serve our dealers, we provide local decision making and an understanding of the market. Our success is built around the following four values.

Reliable - We are dependable. Regional Acceptance has been in the auto finance business since 1978. We are an affiliate of BB&T, a bank with over a 140-year history and ranked as one of the strongest financial institutions in the world.

Responsive - We act quickly. Regional Acceptance provides the highest level of customer service exceeding our dealers’ expectations.

Empathetic - We listen to our dealers and are sensitive to fulfilling their needs.

Competent - Our associates are well trained and experienced. Helping our dealers achieve economic success is important to creating lasting, win-win relationships.

  • Local buying decisions and funding
  • No minimum down payment
  • No minimum Beacon Score
  • No look-to-book minimum
  • Value added F&I products allowed
  • First-time buyer applicants welcomed
  • Joint applications accepted
  • Self-employed applicants accepted
  • Competitive rates and discounts
  • Equity program
  • Competitive Flats offered
  • Flexible terms

To become a dealer client, contact the Regional Business Center nearest you. We will arrange for one of our relationship managers to visit your dealership and assist you with the sign up process and discuss our competitive financing programs that we offer.

Regional Acceptance has credit buyers with local decision-making authority in each of our Regional Business Centers. Those buyers are committed to understand your needs and providing you with quick callbacks.

Regional Acceptance offers some of the strongest advances in the industry. Please contact your local business center for more information or refer to our program sheets in DealerTrack or RouteOne for more details.

Yes!  We strive to put together financing for everyone.

We will consider all applications regardless of FICO score.

No, we ask our dealers to submit all applications. Let us show you how we can help you deliver more deals.

Regional Acceptance Corporation
PO Box 277760
Sacramento, CA 95827

If FedEx delivery:
Regional Acceptance Corporation
Suite 2061
4054 Willow Lake Blvd.
Memphis, TN 38153

If UPS or other carrier delivery:
Regional Acceptance Corporation
Suite 2061
3268 Progress Way
Wilmington, OH 45177

We offer 24 / 7 automated dealer payoff quotes at 866-495-7570. (SSN and dealership phone number required.)

USPS Mailing Address:
Regional Acceptance Corporation
PO Box 580075
Charlotte, NC 28258-0075

Express (Overnight) Mailing Address:
Regional Acceptance Corporation
ATTN: Payoff Dept.
1424 East Fire Tower Road
Greenville, NC 27858


Regional Acceptance Corporation
PO Box 6000
Winterville, NC 28590

Important: Please do not send any payments to our Loss Payee address.

© 2013, Regional Acceptance Corporation - All rights reserved