Regional Acceptance Corporation

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.

Download on the App Store Get it on Google Play

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 Truist, 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

Credit Education

Truist Financial Foundations Program

In partnership with EverFi, we provide free interactive courses for you to learn pertinent information to help you make informed financial decisions.

Understanding your credit score

Borrowing can either build or damage your credit score. Having a solid understanding what a credit score is and how it effects your ability to borrow now—and in the future—is essential to your financial health.

Our Partners: Truist Dealer Financial Services

Truist 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 Truist.

Apple and the Apple logo are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google Inc.

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)

Michigan Regulatory Loan License #RL-0020850, effective April 7, 2017.

Regional Acceptance Corporation is regulated by the Michigan Department of Insurance and Financial Services, which can be contacted at P.O. Box 30220, Lansing, Michigan 48909-7720 or by phone at 877-999-6442. 

Regional Acceptance Corporation is an affiliate of Truist Bank(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.