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 various needs including bill consolidation, home improvements, vacations, car purchases, repairs, and emergency expenses.

Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information you provide. Final approval requires a full loan application.

Yes, a loan check from Republic Finance is a real pre-approved loan offer.

Interest rate is the cost charged for borrowing money excluding fees, whereas APR includes interest rate plus fees like origination and closing fees, expressed as a percentage.

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

If eligible for electronic funding, funds arrive in 1-2 business days. For loans closed at the Port Arthur office, funds are provided same day via paper check.

Republic Finance is open Monday through Friday from 8:00 AM to 5:00 PM and closed on Saturdays and Sundays, as well as certain holidays.

You can pre-qualify for an online loan up to $10,000, though actual loan size depends on factors like income and state of residence.

You may be charged a late fee for missed or late payments. Contact your local Republic Finance branch or review your loan documents for details.

Nearby places include Mathnasium for tutoring, Texas Mortgage Associates for mortgage services, and Wells Fargo ATM for banking needs, which can be convenient before or after your visit.