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 including bill consolidation, home improvement, vacations, car purchases, car repairs, and other unplanned expenses.

You can pre-qualify to get an estimate of loan terms based on your credit and provided information. Final approval depends on a full loan application.

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

The interest rate includes only the cost charged to borrow money. APR includes the interest rate plus any fees like origination, closing, or documentation fees, so it is usually higher.

Refinancing replaces your existing loan with a new one that may have different interest rates, terms, and repayment timelines, including remaining balance and possible fees.

Funds are deposited within 1–2 business days with electronic funding or available the same day as a paper check when closing in-office.

The Lufkin branch is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and certain holidays.

If you miss a payment, you may be charged a late fee. Contact your local branch or review your loan documents for specific late charge information.

Nearby options include Mr. Ray's Food Court for burgers and fast food, The Spud Too for American fast food, and Mexico Express for Mexican cuisine, convenient for a meal before or after your visit.

Locations like Primary Care - Baylor St. Luke's Medical Group and Angelina Pediatrics offer convenient access to healthcare if needed during your visit to Republic Finance.

Yes, nearby facilities such as XLR8 Gymnastics, Dynasty Volleyball Club, and The Yard batting cage provide opportunities for exercise and recreation close to Republic Finance.