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 purposes like 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 provided, but final approval depends on completing a full loan application.

Yes, loan checks you receive in the mail are real pre-approved loan offers from Republic Finance.

The interest rate is the cost percentage charged for borrowing money, while APR includes the interest rate plus any fees and finance charges, usually making it higher than the interest rate.

If you qualify for electronic funding, funds are deposited within 1-2 business days; loans closed in-office provide funds the same day as a paper check.

Republic Finance in Cleveland, TN is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and holidays such as November 27 and December 25, 2025.

You can apply for loans including Auto-Secured, Bill Consolidation, Emergency, Holiday, Home Improvement, K-12 School, Vacation, and Personal Loans.

Republic Finance is located at 3860 Candies Creek Lane NW Suite B, Cleveland, TN 37312.

Yes, Super Saver Cost Plus, a grocery and health food store, and Dollar Tree, a discount store, are located nearby, convenient for running errands before or after visiting Republic Finance.

Nearby Mexican restaurants like OK Maguey, El Santis Mexican Restaurant, and Ok Maguey Mexican Grill #2 offer dining choices close to Republic Finance for a meal before or after your visit.

Yes, Edward Jones Financial Advisors (Bradley A Hudson and Kelly L Browand, CFP®|AAMS™), Farm Bureau Insurance, and Western Union are nearby and can complement your financial planning or services.