About Us

Driven by our mission and backed by the stability of BB&T now Truist, we help people drive the quality cars and trucks they deserve.

Reliable, responsive and relationship driven

As one of the top auto finance companies in the United States, we value and cultivate strong relationships with our customers and dealers. For over 40 years, we've specialized in indirect sub-prime and near-prime automotive financing. We also purchase prime-to-near-prime automobile portfolios from other lenders.

Headquartered in Greenville, NC, we have 28 regional business centers and four customer service centers in 41 states providing local decision-making, flexibility and quick funding.

Our mission

We're committed to creating the best auto finance company possible by adhering to honest and ethical lending practices, transparent business dealings and an unwavering respect for the laws that govern our business, the customers we serve and the associates who keep our business moving forward.

We strive to maintain a corporate environment that exudes the characteristics of honesty, integrity and mutual respect, whereby all individuals, regardless of their relationship with our company, are held in the highest regard.

Part of the BB&T now Truist family

We're an affiliate of BB&T now Truist—one of the largest financial services holding companies in the US. 

Building on a tradition of excellence in community banking that stretches back to 1872, we share BB&T now Truist's mission, vision and purpose to help our clients achieve economic success and make the communities in which we work a better place.


Learn about the great things happening at RAC.


We offer rewarding career opportunities for self-motivated and forward-thinking individuals. 

Making a difference in our communities

At RAC, we make it a priority to give back to our communities by supporting charities and nonprofit organizations through financial support and volunteer time.

One way we create a positive impact is through the BB&T Lighthouse Project community service outreach program. Since the Lighthouse Project began in 2009, BB&T and affiliate associates have contributed more than 700,000 volunteer hours and improved the quality of life for more than 18 million people.

From Florida to Washington, our RAC associates have worked side-by-side fulfilling our mission with community projects such as preparing and serving meals at the Ronald McDonald House, assisting renovating local youth ball parks, making improvements on shelters for women, veterans and the homeless, and preparing care packages for our military troops serving overseas.

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.

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.