Republic Finance

Yes, it is a real loan check!  A loan check is a pre-approved loan offer. Click here for more information about our loan checks.

The interest rate deals with the costs you will pay to borrow money. The interest rate only includes the interest percentage you will be charged for borrowing the money and does not include any other fees you might be required to pay on the loan. The Annual Percentage Rate (“APR”) is not the same as the interest rate. The APR is the interest rate plus the fees you may be required to pay on the loan (i.e., origination fees, closing fees, documentation fees, and other finance charges) and is expressed in terms of a percentage rate. The APR will typically be higher than your interest rate.

Refinancing a loan replaces your existing loan with a new loan that potentially has a new interest rate, revised terms, and/or revised repayment timeline. The remaining balance of your former loan will be included in the loan amount of your refinanced loan along with any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law.

If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2 business days. When closing a loan in a physical Republic Finance office location, you will receive your funds the same day in the form of a paper check.

The size of your loan approval depends on many factors, such as state of residence and income. However, the largest loan amount you can pre-qualify for online with Republic Finance is $10,000.

If you do not make your payments on time, you may be charged a late charge. You can call your local branch or refer to your loan documents for details about late charges, including the amount.

Republic Finance offers personal loans for bill consolidations, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.

Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information you provide, while final approval and loan terms depend on a completed full loan application.

If you qualify for electronic funding, funds are deposited in your bank account within 1-2 business days. If you close your loan at a physical Republic Finance office, you will receive your funds the same day by paper check.

Republic Finance in Decatur, AL is open Monday through Friday from 8 AM to 5 PM and closed on Saturdays and Sundays.

If you miss a payment, you may be charged a late fee. You can contact your local branch or check your loan documents for specific late charge details.

The office is located at 1241 Point Mallard Parkway, Suite 106, Decatur, AL 35601.

Nearby restaurants include Pizza Hut, Wings To Go Decatur Alabama, Ninja Japanese Sushi & Grill, Five Guys, Moe's Southwest Grill, and The Moody Crab, offering a variety of dining options before or after your visit.

Yes, nearby stores include Books-A-Million for books and gifts, Rue 21 for clothing, LifeWay Christian Store for religious items, and Target Decatur for department and mobile phone shopping.

Nearby health and wellness options include Complete Dental, Retina Specialists of North Alabama, PrecisionMD Wellness and Weight Loss, and Dreams Massage & Spa.

Yes, Republic Finance provides an online prequalification tool to check loan options and terms before applying.