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 provides personal loans including bill consolidation, home improvement, vacation, car purchase and repair loans, among others to meet various financial needs.

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

Yes, loan checks are pre-approved loan offers and are legitimate. More information about loan checks can be found on their website.

The interest rate reflects the cost of borrowing money, excluding fees, while the APR includes the interest rate plus additional fees such as origination and documentation fees, typically making APR higher.

Refinancing means replacing your current loan with a new one that may have different interest rates, terms, or repayment timelines, including the remaining balance and any agreed fees or voluntary insurance products allowed by law.

If eligible for electronic funding, funds are deposited within 1-2 business days; if closing at a physical Republic Finance office, funds are given the same day as a paper check.

The office is open Monday to Friday from 8:00 AM to 5:00 PM and closed on Saturdays, Sundays, and major holidays such as Thanksgiving and Christmas.

Missing payments may result in late charges. You should contact your local branch or refer to your loan documents for details about late fees and next steps.

Near Republic Finance, you can visit Half Price Books for shopping, enjoy a meal at Pizza Hut or China Palace Super Buffet, or stop by Uplift Nutrition SAN Marcos for a healthy bite.

Nearby you will find Regional Finance for financial services and Mahan Insurance Services Inc. as well as Nationwide Insurance for your insurance needs.

Customers can access services such as the Social Security Administration, United States Postal Service, and UPS Access Point location nearby, which can be convenient for administrative and mailing needs.