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 provides personal loans for bill consolidation, home improvements, vacations, car purchases and repairs, and other unplanned expenses.

Pre-qualification estimates the loan terms you may qualify for based on your credit and information you provide, while final approval depends on completing a full loan application.

If you qualify for electronic funding, funds are deposited within 1-2 business days. Closing a loan at a physical location provides funds the same day via a paper check.

Republic Finance is open Monday through Friday from 8:30 AM to 5:30 PM and is closed on Saturdays, Sundays, and holidays like November 27 and December 25, 2025.

The maximum loan amount you can pre-qualify for online with Republic Finance is $10,000, depending on factors like your state of residence and income.

If payments are late, you may be charged a late fee. For details, contact your local branch or review your loan documents.

Yes, Republic Finance is near Sylvan Learning of Toledo, a tutoring center where you might bring your children for extra academic support before or after discussing your financial needs.

Several restaurants are close by, including LaVie Mediterranean Grill, Hibachi Supreme Buffet, Spring Buffet, and Chick-fil-A, offering convenient meal options to enjoy before or after your visit.

Yes, RadioShack and Verizon Wireless are nearby stores where you can buy electronics or mobile phones, making it easy to combine errands with your visit.

Republic Finance specializes in personal loans, auto refinancing, and bill consolidation loans, providing flexible lending options tailored to customers' needs.