Existing Dealers

Continuing and building on our trusted partnership.

All the information you need right at your fingertips

Payoff amount

Automated dealer payoff quotes are available 24/7 with a simple phone call.


Title and lien support

Call us if you've paid off a vehicle and haven't received the title or lien release.


Regional business centers

With locations across the country, we're here to help with all of your auto finance needs.


Find answers to frequently asked questions.

What's the lienholder address for RAC title applications?

Regional Acceptance Corporation
PO Box 277760
Sacramento, CA 95827

Where do I send my contract packages?

  • FedEx
    Regional Acceptance Corporation
    Suite 2061
    4054 Willow Lake Boulevard
    Memphis, TN 38153

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

How can I get a payoff quote from RAC?

We offer 24/7 automated dealer payoff quotes at 866-495-7570. You'll need the customer's Social Security number and your dealership phone number.

Where do I send customer payoff checks?

  • USPS
    Regional Acceptance Corporation
    PO Box 580075
    Charlotte, NC 28258-0075

  • Express (overnight)
    Regional Acceptance Corporation
    Attention: Payoff Department
    1424 East Fire Tower Road
    Greenville, NC 27858

What's the RAC loss payee address to use for insurance purposes?

Regional Acceptance Corporation
PO Box 2430
Sioux City, IA 51106

Important: Please don't send payments to our loss payee address. Send insurance-related proceeds to:

Regional Acceptance Corporation
Attention: Insurance
1424 East Fire Tower Road
Greenville, NC 27858

What address should I send product cancellation refunds?

  • USPS
    Regional Acceptance Product Refund
    PO Box 580226
    Charlotte, NC 28289‐0226
  • Express(Overnight)
    Attn: Lockbox #- 580226
    5130 Parkway Plaza Blvd.
    Charlotte, NC  28217-1964

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.