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

If you qualify for electronic funding, funds are deposited within 1-2 business days. For in-office loan closings, funds are available the same day in the form of a paper check.

Republic Finance is open Monday through Friday from 8:00 AM to 5:00 PM and is closed on weekends and on holidays like Thanksgiving and Christmas.

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

Yes. Refinancing replaces your existing loan with a new one that may have different interest rates, terms, and repayment timelines.

Missing a payment may result in late charges. For specific details, contact your local branch or refer to your loan documents.

Republic Finance is located at 1412 Farmerville Hwy, Ste 5, Ruston, LA 71270.

Nearby financial services include World Finance, Advance America, and Western Union, which offer installment loans, financial services, and money transfer services, respectively.

Yes, nearby places include Happy Nails & Spa, Talk of the Town Hair Care Center, Cuttin Up, Gallery Salon, Bella Alle'e Salon, and Alle-E Bella for various beauty and spa services.

Waffle House is a nearby restaurant and diner where you can enjoy breakfast or brunch before or after visiting Republic Finance.