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 including bill consolidation, home improvements, vacations, car purchases and repairs, and other unplanned expenses.

Pre-qualification provides an estimate of loan terms based on your credit and information provided. Final approval depends on completing a full loan application.

Yes, the loan check is a real, pre-approved loan offer.

Interest rate is the cost of borrowing money excluding fees, while APR includes the interest rate plus fees like origination and documentation fees, expressed as a percentage.

Refinancing replaces your existing loan with a new one potentially having a new interest rate, terms, and repayment timeline covering remaining balance and fees.

With electronic funding, funds are deposited within 1-2 business days. In-person loan closings provide funds the same day via paper check.

The largest online pre-qualification loan amount is $10,000, though actual approval depends on factors like residence and income.

The Gardendale location is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and holidays such as Thanksgiving and Christmas.

Yes, Publix Super Market at Magnolia City Place is nearby for grocery shopping and pharmacy needs, convenient before or after your visit to Republic Finance.

Nearby restaurants include Milo's Hamburgers, Arby's, Subway, Papa Murphy's, KFC, and Pizza Hut, offering a variety of dining options before or after your visit.

Nearby financial services include H&R Block for tax help, Wells Fargo Bank for banking and ATMs, and Western Union for money transfers, providing convenient options for your financial needs.