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 auto-secured loans, bill consolidation, emergency, holiday, home improvement, K-12 school, vacation, and general personal loans.

If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2 business days. Loans closed at a physical office provide funds the same day via paper check.

Refinancing replaces your existing loan with a new one that may have different interest rates, terms, and repayment timelines, including the remaining balance and any agreed fees or insurance.

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

The office is located at 2344 Elkhorn Rd., Ste. 125, Lexington, KY 40509, United States.

You can reach Republic Finance at their local phone number: +1 859-269-0366.

The interest rate includes only the interest charged for borrowing. APR includes the interest rate plus applicable fees such as origination and documentation fees, expressed as a percentage.

Yes, nearby restaurants include Tijuana Flats (Mexican), Waffle House (breakfast and brunch), Arby's (fast food), Sonny's BBQ (American barbecue), and Bob Evans (breakfast and brunch).

FedEx Office Print & Ship Center is nearby, offering shipping, printing, and freight services that can be convenient if you need to send documents or packages when visiting Republic Finance.

Yes, Starbucks is close by where you can grab coffee and light refreshments before or after your visit.