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 a variety of personal loans including bill consolidation, home improvement, vacation, car purchases, car repairs, emergency, holiday, K-12 school, and auto-secured loans.

Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information you provide, while applying for a loan requires a complete application and final approval is based on the full application.

The interest rate is the percentage charged for borrowing money, excluding fees. The APR includes the interest rate plus any fees and finance charges, usually resulting in a higher percentage.

Refinancing replaces your existing loan with a new one that may have a different interest rate, terms, or timeline. The balance of the former loan is included along with any fees and optional insurance products.

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

The Republic Finance Mission location is open Monday through Friday from 8:00 AM to 5:00 PM and is closed on Saturdays, Sundays, and certain holidays like Thanksgiving and Christmas.

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

Missing a payment may result in a late charge. For details about late charges, contact your local branch or refer to your loan documents.

Nearby health and wellness options include Medi-Weightloss McAllen for beauty services, Open MRI of McAllen, Bespoke MD medical and weight loss center, Melt Lipotherapy and Wellness Spa, Swift Dental, and MedClinic2U/MedClinic4U family practice doctors.

Yes, the Bicentennial Hike and Bike Trail is nearby, offering hiking and mountain bike trails—a great spot to visit before or after your appointment at Republic Finance.

Nearby services include automotive service at Kips Kwik Lube Center, shopping at Vape Station for e-cigarettes, and fitness options like Renzo Gracie McAllen Jiu Jitsu and Self Defense and Gracie Barra McAllen martial arts clubs.