You need a line of credit that requires no collateral, prefer a variable interest rate and have a large home improvement or purchase to make.

You need a line of credit and want to secure it with a Regions savings or money market account.

• Variable APR
• No collateral required
• Borrow as much as you need up to your credit limit
• Use as overdraft protection on your Regions checking accounts

• Secured with a Regions savings or money market account
• Competitive low interest rates
• Borrow as much as you need up to your credit limit
• Use as overdraft protection on your Regions checking accounts

Variable APR based on The Wall Street Journal prime rate, plus a margin. The margin is based on the amount of the approved line amount. Interest rates range from: Prime + 4.00% to Prime + 22.50%.

View Regions Preferred Line of Credit product details.

Variable APR based on The Wall Street Journal prime rate, plus a margin. The margin is based on the amount of the approved line amount.

Credit lines of less than $3k: Prime + 3.00%
Credit lines of over 3k: Prime + 2.00%

View Regions Savings Secured Line of Credit product details.

Annual fee: $50, assessed on your anniversary date

Over limit fee: $29

Late fee: $35

Annual fee: $50, assessed on your anniversary date

Over limit fee: $29

Late fee: $35

Rate discounts are available for loan amounts $5,000 or greater if you elect to have your monthly payments automatically debited from your Regions checking account through our Automatic Payment Option. The amount of the discount varies based on your type of relationship with Regions, ranging from 0.25% up to 0.50%.

$500

$250

Up to $50,000

Up to 100% of your available balance in your collateral account, but not to exceed $100,000.

There are no collateral requirements for a Regions Preferred Line of Credit.

You will have full access to the funds online, by phone, in a branch or via access checks.

You will have full access to the funds online, by phone, in a branch or via access checks.

Your payment is due monthly and includes both principal and interest. The minimum payment will be either 3% of your outstanding balance or $50, whichever is greater.

Your payment is due monthly and includes both principal and interest. The minimum payment is either 5% of your outstanding balance or $10, whichever is greater.

Allows you peace of mind that your payments will be automatically debited from your checking account each month.

Allows you peace of mind that your payments will be automatically debited from your checking account each month.

Current customers can apply online,^[1] by phone or in a branch. Apply by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.

Current customers can apply online,^[1] by phone or in a branch. Apply by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.

To be eligible for our unsecured loans or lines of credit, you must have a Regions deposit relationship (checking, savings, MM or CD) on which you are an owner that has been open for at least six months.

Non-customers cannot apply online for a Regions Savings Secured Line of Credit at this time. However, non-customers can open a deposit account to use as collateral and apply in a branch. Find a branch or make an appointment with a banker to learn more. Apply by phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.