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 consolidation, 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. Final approval requires a full loan application.

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

The interest rate is the cost of borrowing money excluding fees. APR includes interest plus fees like origination and documentation fees, usually making it higher than the interest rate.

Refinancing replaces your existing loan with a new one that may have a new interest rate, terms, and repayment timeline, including any fees and optional insurance.

If you qualify for electronic funding, funds are deposited within 1-2 business days. For in-person branch closings, funds are received the same day as a paper check.

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

Loan amounts depend on factors like your state of residence and income, but the maximum you can pre-qualify for online is $10,000.

You may be charged a late fee. Contact your local branch or refer to your loan documents for details about late charges and amounts.

Nearby you can find Walmart Columbia - W Broadway for shopping, Starbucks for coffee, and Curry-osity Indian Restaurant for dining. These places offer convenient options before or after your visit to Republic Finance.

Yes, nearby financial services include Jackson Hewitt Tax Service for tax help, Western Union for money transfers, and Academic Employees Credit Union for credit union services.

You can find services like Minute Key locksmith for key needs, ecoATM for device recycling, and Vapor Maven for tobacco and e-cigarettes close to Republic Finance.