Regional Acceptance Review: Login, Payoff, Extensions and Records

Regional Acceptance is a licensed auto lender (NMLS 1104859) in the Truist group that buys dealer-written car loans. On 7 October 2026 we read its payment options page, customer and dealer FAQs, extension form, legal notice, account terms and posted licences; Truist Financial Corporation’s 2025 Form 10-K and June 2026 Form 10-Q; Regional Acceptance’s 1996 SEC filings; the CFPB’s enforcement index and complaint database; and its BBB and Trustpilot pages. We entered no login, payment or request, and this site has no commercial relationship with Regional Acceptance, Truist or any lender.

How Regional Acceptance works: a dealer writes the contract, RAC buys it

Regional Acceptance (RAC) is an indirect lender. “For over 40 years, we’ve specialized in indirect sub-prime and near-prime automotive financing,” its About page says. “We also purchase prime-to-near-prime automobile portfolios from other lenders.” The dealer fills in a retail installment contract, sends your application to lenders and sells the signed contract to one of them. Regional Acceptance described the same model in 1996: “Sales finance loans are originated by the selling dealer who sells the customer’s note to the Company.” So the rate, term and add-ons are settled at the dealership, and the dealer, which Regional Acceptance courts with “flexibility in structuring deals allowing you to close more sales,” has a stake in which lender gets your contract. Our reviews of Credit Acceptance, Exeter Finance, Westlake Financial, Consumer Portfolio Services and Flagship Credit Acceptance read other dealer-channel lenders the same way, and our page on buy here pay here lots covers dealers that keep the loan.

Some borrowers never chose Regional Acceptance, because it also buys loans in bulk. “Why did my account get sold to RAC?” its FAQ asks, answering that “institutions sell their assets” and “All the terms and conditions of the Retail Installment Contract you signed remain the same.” Payments mailed to the old lender “will be forwarded to us” and backdated.

The company says it is “Headquartered in Greenville, NC” with “12 regional business centers and four customer service centers serving 42 states.” Its business-center page lists the 12 offices and names nine states it does not serve: Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, Alaska, Hawaii, Montana and Nevada. The same page says its Tempe, Arizona office serves Nevada. Taken at its word, 50 states minus 9 leaves 41 (our arithmetic); the 42 works only if Nevada is served.

Truist’s 2025 Form 10-K confirms the link: its indirect auto loans are “originated through approved franchised and independent dealers throughout the Truist market area and nationally through Regional Acceptance Corporation,” and the portfolio “also includes nonprime and near-prime automobile finance.” Being an affiliate does not let you pay at a branch: “Can I make a payment at a Truist bank because RAC is an affiliate? No,” the FAQ says.

Regional Acceptance login, payments and phone numbers

There are two ways into your account: the RAC Auto app (App Store and Google Play) and the online Payment Portal, reached from “Log in” on regionalacceptance.com, with a separate link to activate a new account. For a forgotten password, select “forgot password” on the login screen; to reset a username, call customer support at 866-644-7687. Keep your 10-digit account number handy. Online access is free (“No fee is charged by Regional for access to the Service”), and only the cash networks cost extra.

Two Auto Pay rules matter. The ACH terms let Regional Acceptance stop your drafts “at any time and for any reason, without giving me advance notice,” and you must still pay on time if it does. And a one-time online payment cannot be changed or stopped once you authorize it. An older Auto Pay page still on the site describes mailing a paper form and giving “72 business hours’ notice” to cancel; the current payment page describes signing up in the app or portal, and the ACH terms allow “up to three (3) business days” for a cancellation.

For a person, the customer contact page lists 877-722-7299, Monday through Thursday 8 am to 12 am ET, Friday 8 am to 8 pm and Saturday 8 am to 1 pm; the payment page instead gives 866-259-5318 to “Speak to an associate.” Customer service is 866-644-7687, the bankruptcy department 800-993-1858 and insurance claims 866-447-8072, weekdays 8:30 am to 5:30 pm ET. Text alerts stop when you text STOP to 39453.

If money is short before a due date, Promise to Pay “can offer some flexibility so you avoid late payments” for eligible customers who call “Before your next due date.” Regional Acceptance does not say whether a late charge is waived; your contract sets that charge, and no fee schedule is published. Write down what you agree to.

Payoff amount, payoff address and getting your title back

Your payoff figure is in the app, on the Payment Portal’s account information page, on your statement or on the 24/7 line. “There are no penalties for making payments early or paying off your account early,” the FAQ says. A dealer paying off your loan in a trade gets its own quote on a dealer line, 866-495-7570.

Where to send the money is less clear, because Regional Acceptance’s pages disagree.

Do not copy a payoff address from the web, ours included: use the one printed on your payoff quote, ask on the phone if it has none, and keep proof of delivery.

How you pay decides how fast the lien comes off. “If your account was paid off with certified funds, we’ll release the lien on the title within 2 business days,” Regional Acceptance says; with non-certified funds, “in approximately 10 business days.” The paid account is reported to the credit bureaus “the first of the following month from your payoff date,” and “A return of funds for any reason may render this statement null and void.”

If your state issued a paper title, Regional Acceptance mails “the notarized title with the lien released.” With an electronic title the release is electronic and your state “may or may not mail you a title.” Where the lender holds only a lien statement, you get “a notarized lien release only.” Either way, take it to your DMV “to ensure your state records the released lien status”; our guides to checking for a lien and replacing a lost title cover that side. If nothing arrives, call 866-644-7687. For a duplicate lien release, the account FAQ says to write to Document Control in Greenville, while the Important Addresses page lists a Lien Release Team box in Whiteville, North Carolina; ask which to use. Converting an electronic title after a move “may take 30 days or longer.”

Promise to Pay and payment extensions: what they cost

An extension moves payments to the end of the loan. Regional Acceptance’s form lets you ask to extend “past due, current or one or more future payments until the end of your contract,” with one request covering “up to two (2) payments”: you tick 30 days (1 month) or 60 days (2 months). Every signer must be asking, the request “is not valid until received and approved,” and some states also require a signed Extension Agreement, with instructions sent by email.

The form’s disclosures spell out the cost: “Finance Charges will continue to accrue on the unpaid balance at the contract rate. By extending one or more installments, you will pay more finance charges than originally disclosed.” Later payments go “to any accrued fees and charges, then the interest accrued during the extension, and then to principal,” so the balance shrinks more slowly for a while.

Truist’s 10-K shows how common deferrals are in the portfolio that holds these loans. In 2025 it modified $1,458 million of indirect auto loans to borrowers “experiencing financial difficulty,” 5.68% of the portfolio; $1,384 million of that, 94.9% (our arithmetic), was payment delays, which “Provided 258 days of payment deferral” on average, about 8 months (our arithmetic). Of the indirect auto loans modified in the 12 months to 31 December 2025, 23.7% (our arithmetic) were 30 days or more past due at year-end. Truist does not say how much of this was Regional Acceptance.

Truist also tightened how it counts long deferrals: “Effective January 1, 2026, the Company has enhanced its nonaccrual criteria for certain indirect auto loans to prospectively include accounts in which cumulative payment extensions are at or above 12 months.” Nonperforming indirect auto loans rose from $267 million at the end of 2025 to $569 million on 30 June 2026, 2.1 times (our arithmetic), and the 10-Q says “The increase in indirect auto was driven by” that change. It is an accounting rule, not a published cap, but it means Truist now stops accruing interest income on a loan once its extensions add up to a year. If you are reaching for a second or third extension, compare refinancing or selling the car, and read our repossession guide before you fall behind.

Insurance, total losses and GAP claims

“Comprehensive and collision coverage must be maintained on your vehicle,” the FAQ says. Your insurer should list Regional Acceptance’s loss payee box in Sioux City, Iowa; the dealer FAQ warns “Please don’t send payments to our loss payee address.” If the car is totaled, “Borrowers are responsible for making their monthly payments until their loans are paid in full,” and the claims line is 866-447-8072. A repair check made out to you and Regional Acceptance must be endorsed and mailed with the estimate, and the claims team forwards it to the shop “once a statement of completed repairs has been received,” so the shop is paid after the work.

For GAP, “It is your responsibility to help the claims representative obtain all documents required by your GAP administrator,” and payments continue meanwhile. Regional Acceptance’s own example: a $20,000 car totaled with $18,000 owed and a value of $15,000 leaves “the $3,000 remaining on the loan,” which GAP would cover. It suggests GAP if you put down less than 20%, financed for 60 months or more or drive more than 15,000 miles a year. To cancel GAP or a service contract you go through the selling dealer, and “Insurance cancellation/refund checks are applied to the principal balance only and are not applied as regular payments,” so a refund will not cover this month’s bill. Our pages on GAP insurance and negative equity go further.

What Truist’s SEC filings say about Regional Acceptance’s loans

The only public loan figures come from Truist, which folds Regional Acceptance into one line, “indirect auto,” that also holds prime loans bought from dealers in Truist’s own market area. The 10-K names Regional Acceptance once; the June 2026 10-Q not at all. Read every figure as the whole portfolio. (Truist’s other consumer car-loan route, the unsecured online lender LightStream, sits in a different portfolio; see our LightStream review.)

Losses run well above Truist’s bank-wide net charge-off rate of 0.54% in 2025, and its allowance for indirect auto losses, $1,036 million, was 4.0% of the year-end balance (our arithmetic). Truist evaluates these loans for nonperforming status at 90 days past due and for charge-off at 120 days, sooner in bankruptcy. A charge-off is an accounting step; it does not cancel the debt or rule out repossession.

Truist is also pulling back. “During the second quarter of 2026, we discontinued the origination of certain marine and recreational vehicle loans, and we further reduced originations in less strategic and less profitable consumer lending units such as prime and non-prime auto,” the 10-Q says. The indirect auto balance fell $1.8 billion, or 7.1%, in the first half of 2026 (our arithmetic). Truist does not say how the cut splits between its prime dealer loans and Regional Acceptance, and it changes nothing in an existing contract. The filings print no rate for any borrower; the blended yield Truist reports mixes prime and nonprime loans, so we leave it out. Our pages on used car financing rates and the CFPB explain how rates are set.

Who owns Regional Acceptance: a 1996 merger and a BB&T legal notice

Regional Acceptance was once public. Its 10-Q for the quarter to 30 June 1996 says it agreed “On March 29, 1996” to a merger “pursuant to which Regional would become a wholly-owned subsidiary of SNC,” Southern National Corporation, and its Form 15 of 3 September 1996 terminated its SEC registration with “one(1)” holder of record. EDGAR shows Southern National Corp renamed BB&T Corp in 1997 and Truist Financial Corp in December 2019.

Today it calls itself “an affiliate of Truist” and “an affiliate of Truist Bank” (an FDIC member) without saying which Truist entity owns it, and Truist’s subsidiaries exhibit for 2025 does not name it (“Certain subsidiaries are not included,” as SEC rules allow). The site’s Legal Notice is still written in the name of “BB&T,” and BBB’s profile calls it “an affilate of BB&T”: stale labels, not separate companies.

The fine print: arbitration, calls and texts, and privacy

Signing up for online access brings an Agreement to Receive Electronic Communications, and it contains a Mutual Arbitration Agreement that reaches the whole loan. Unless you opt out, disputes are resolved “exclusively through final, binding, and individual arbitration,” and a covered claim is anything that “arises out of or relates to the Account.” Neither side can “have a court or a jury decide the Claim” or “participate in a class action in court or in arbitration.” JAMS runs it, small claims court remains open, and “Nothing in this Mutual Arbitration Agreement prevents You or us from exercising any self-help rights, including repossession.”

The opt-out paragraph gives two clocks. You may opt out “within thirty (30) days of your agreement/consent to the Consent for Use of Electronic Signatures and Records,” but the notice “must be received by Regional within thirty (30) days of opening Your Account.” It needs your handwritten signature, name, address and account number, sent by certified or overnight mail to Regional Acceptance care of the Truist Legal Department (the full address is in the agreement). Send it early enough to meet both. Opting out does not undo an arbitration clause in any other agreement with Regional Acceptance, so check your retail installment contract for one.

The online terms also say Regional Acceptance and its “affiliates, agents, service providers or assignees” may use prerecorded or artificial voice calls and texts about “servicing and collection” at “any telephone number associated with your Account(s), including cellular telephone numbers.” The agreement is governed by North Carolina law. Going paperless is free to undo: “There is no fee for paper copies,” though paper statements may take “up to two (2) statement cycles” to resume. On privacy, Regional Acceptance “may share limited information within the Truist corporate family”; to opt out, the FAQ gives 888-800-3420, 6 am to 9 pm ET, seven days a week. Servicemembers can claim SCRA rate relief with “your written request for the SCRA benefit along with a copy of the official activation orders.”

Licences, regulators and the public record

Regional Acceptance lists NMLS ID 1104859; South Carolina supervised lender licences SL-1104859 and SLW1-1104859; Illinois sales finance and consumer installment licences; Michigan Regulatory Loan License RL-0020850, “effective April 7, 2017”; and Virginia licence CFI-232. We could not check NMLS, whose site answered with a block page, and did not use Virginia’s licensee list, whose robots file bars automated readers; those details are as Regional Acceptance states them.

The South Carolina certificates were signed “this 19th day of March 2026” under the state’s Consumer Protection Code, Section 37-3-503, and the Illinois Sales Finance Agency certificates show an expiry of 12/31/2026. But the Illinois Consumer Installment certificates Regional Acceptance links from every page show “EXPIRES: 12/31/2024.” The posted copies may simply be old; each says its status “can be verified at IDFPR.illinois.gov.”

It also posts South Carolina’s consumer loan pamphlet. If you miss payments, “the lender must send you a ‘Notice of Right to Cure’ before repossessing the property,” after which “you have twenty (20) days to make the missed payment(s),” but “If you miss another payment, you will not receive any additional Right to Cure notices.” Other states differ; see our repossession guide and the FTC.

On enforcement we found nothing naming Regional Acceptance. On 7 October 2026 the CFPB’s enforcement index returned “no results” for the titles “regional acceptance” and “truist,” and our searches for state settlements, consent orders or cease-and-desist orders naming it found none. We read no court docket naming it, so we describe none. Not finding a record is not proof that none exists.

CFPB complaints, BBB and Trustpilot

The CFPB’s complaint database has no company called Regional Acceptance: three spellings returned zero on 7 October 2026. Complaints about Truist’s car loans are filed under TRUIST FINANCIAL CORPORATION, and before its December 2019 renaming under BB&T CORPORATION. They cover all of Truist’s car lending, prime loans included, and the database does not say which concern Regional Acceptance. Complaints are unverified consumer reports, and counts grow with a lender’s size.

Through 6 October 2026 the database held 1,665 “Vehicle loan or lease” complaints naming Truist, received from 27 February 2020 to 4 October 2026, 6.6% of the 25,046 complaints naming Truist in that window (our arithmetic). They rose from 266 in 2024 to 368 in 2025, with 313 so far in 2026. BB&T CORPORATION’s file, which runs from December 2011 to February 2020, holds 532 vehicle loan complaints (231 plus 301 under the CFPB’s new and old product names, our arithmetic).

Truist closed 1,490 with an explanation, 114 with non-monetary relief and 41 with monetary relief, so 155, or 9.3%, closed with some relief (our arithmetic). If you file with the CFPB about a Regional Acceptance loan, name Regional Acceptance in the description, since the database has no separate entry for it.

BBB’s Greenville profile shows an A+ rating and says “Regional Acceptance Corporation is NOT a BBB Accredited Business,” with a file opened 12/17/1998; its Reviews and Complaints links go to Truist Bank’s headquarters profile, so there is no Regional Acceptance-only count. Trustpilot’s page for regionalacceptance.com is an unclaimed profile scoring 1.9 from 19 reviews, 84% of them one-star (about 16, our arithmetic), with 10 in the last 12 months and “No history of asking for reviews.” Nineteen reviews say little about a lender this size.

Before you sign a contract a dealer will send to Regional Acceptance

Regional Acceptance’s own advice is a good start: “If possible, secure your auto loan before you start shopping,” because pre-approval “frees you to negotiate solely on the price of the vehicle.” You only know a dealer’s offer is fair if you have another to set beside it.

If your credit improves, refinancing pays Regional Acceptance off like any payoff; we review refinance lenders such as OpenRoad Lending on the same terms as this page, and our guide to credit scores for a car loan explains what moves your rate.

Common questions

How do I log in to my Regional Acceptance account?

Use the RAC Auto app or the Payment Portal linked from “Log in” on regionalacceptance.com; first-time users activate their account through the link beside it. Have the 10-digit account number from your statement. For a forgotten password, select “forgot password” on the login screen; to reset a username, call 866-644-7687, weekdays 8:30 am to 5:30 pm ET.

What is Regional Acceptance’s phone number?

The main line is 877-722-7299: automated payments and account information around the clock, and representatives Monday through Thursday 8 am to 12 am ET, Friday 8 am to 8 pm and Saturday 8 am to 1 pm. The payment page also lists 866-259-5318 for an associate. Customer service is 866-644-7687, claims 866-447-8072, bankruptcy 800-993-1858, and the dealer payoff line 866-495-7570.

What is the Regional Acceptance payoff address?

Its pages give two: PO Box 580306 in Charlotte (payment page and dealer payoff page) and PO Box 580075 in Charlotte (FAQ and Existing Dealers page), with overnight addresses in Charlotte or Greenville depending on the page. Get a payoff quote and use the address printed on it. Insurers use a separate loss payee box in Sioux City, Iowa, which is not for payments.

How long does Regional Acceptance take to release the title?

It says “within 2 business days” after a payoff in certified funds and “in approximately 10 business days” with other funds. A paper title is mailed notarized with the lien released; an electronic title is released electronically, and your state may or may not mail you anything. If nothing arrives, call 866-644-7687.

Can I get a payment extension from Regional Acceptance?

You can ask. One request covers up to two payments, moved to the end of the contract, and must be approved; some states need a signed Extension Agreement. Finance charges keep accruing at your contract rate and insurance coverage is not extended. For a short gap, eligible customers can call 877-722-7299 about Promise to Pay before the due date.

Is Regional Acceptance part of Truist, and is it legitimate?

It calls itself “an affiliate of Truist,” Truist’s 2025 Form 10-K says its indirect auto loans come “nationally through Regional Acceptance Corporation,” and 1996 SEC filings show it agreed to become a wholly-owned subsidiary of Southern National Corporation, which EDGAR lists as the company now named Truist Financial. It holds the NMLS ID and state licences above, and we found no regulator action naming it. It lends to people with weaker credit, so compare its terms with another offer before you sign.