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 based on your credit and information, but final approval requires completing a full loan application.

Yes, loan checks are real pre-approved loan offers from Republic Finance.

Interest rate covers only the borrowing cost as a percentage, while APR includes interest plus fees like origination and documentation charges, generally resulting in a higher percentage.

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

If you qualify for electronic funding, money is deposited in 1-2 business days; if you close the loan in person, you'll receive funds the same day via paper check.

Republic Finance is open Monday through Friday from 8:30 AM to 5:30 PM and closed on Saturdays, Sundays, and major holidays like Christmas and Thanksgiving.

The largest loan amount you can pre-qualify for online is $10,000, though actual approval amounts may vary by state and income.

You can use landmarks like Beer Man bar and liquor store, Shannon Park Center shopping center, and Coast Laundry nearby to help locate Republic Finance on Saint James Ave.

After your visit, you can enjoy nearby spots like Juiceria Smoothie Bar & Cafe, TJ’s BBQ & Burgers, Los Arcos Mexican Restaurant, and Masa Japanese Restaurant for dining options.

Yes, nearby gyms include East Shore Athletic Club, Planet Fitness, and O2 Fitness - Goose Creek, plus physical therapy at Joints In Motion- Physical Therapy & Wellness.