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 improvement, vacation, car purchase and repair, emergency, holiday, and K-12 school loans.

Pre-qualification provides an estimate of loan terms based on credit and information provided, while final approval requires completing a full loan application.

Yes, a loan check is a pre-approved loan offer from Republic Finance and is real and valid.

Interest rate is the cost percentage for borrowing money excluding fees, while APR includes the interest rate plus all loan fees expressed as a percentage, usually higher than the interest rate.

Refinancing replaces your existing loan with a new one that may have different interest rates, terms, and repayment timelines including any fees and voluntary insurance products.

Funds are deposited within 1-2 business days for electronic funding or immediately on the same day via paper check when visiting a physical branch.

The Mobile, AL branch is open Monday to Friday from 8:00 AM to 5:00 PM and closed on weekends and holidays like November 27 and December 25, 2025.

Nearby you can visit Marley’s Modern Hair Trends for beauty services or get automotive repairs at Precision Tune Auto Care - Hillcrest Rd.

Yes, nearby restaurants include Ollies, Kebab Xpress, Chi-Town Dawgz, Starbucks, and Nino's Pizza, which are great spots to visit before or after your loan appointment.

Yes, several real estate agents like Cindy Moore and Tom & Sheri Jones Real Estate, plus insurance agencies such as Craig Williams - State Farm Insurance and Allstate Insurance: Mike Puckett are located nearby for your convenience.