Regional Acceptance Corporation
System Maintenance Alert
We are currently undergoing system maintenance. The RAC Mobile App and Customer Portal are available, but balance updates may be delayed.
Putting you in the driver's seat
The Regional Acceptance RAC Auto ® app makes managing your account easier than ever with multiple payment options and access to account details.
Welcome to Regional Acceptance
Regional Acceptance is a national auto finance company with over 40 years of lending experience and a reputation for unparalleled customer service. As an affiliate of BB&T, we're backed by one of the nation’s largest—and most successful—financial holding companies.
Payment options
- You have choices. Pay with our Auto app, payment portal, phone, mail or Western Union/MoneyGram.
- Promise to Pay. We can offer some flexibility so you can avoid late payments.
Manage my account
- Go paperless. It's good for you, it's great for the environment.
- Say goodbye to late payments. Set up automatic payments.
- Update your contact information. Change your address, phone number or email.
Let us help
Get answers to frequently asked questions about general topics.
- Payoff amounts
- Auto Pay enrollment
- Account password resetting
- Title payoffs
- Insurance requirements
Pay by phone with our 24/7 automated assistance
Our Partners: BB&T Dealer Financial Services
BB&T Dealer Finance
Experienced lenders dedicated to specific markets to provide you with a superior level of client service.
Portfolio Acquisition Group
Purchasing auto portfolio with responsive, expert service and backed by the strength and stability of BB&T.
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Loans are subject to credit approval.
NMLS Consumer Access ID# 1104859(opens in a new tab)
South Carolina License No. SL–1104859 & SLW1–1104859 (PDF)
South Carolina Consumer Loans Pamphlet (PDF)
Regional Acceptance Corporation is an affiliate of Branch Banking and Trust Company(opens in a new tab), member FDIC.
Branch Banking and Trust Company is now Truist Bank. Learn more(opens in a new tab)
BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing.