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 improvements, vacations, car purchases, car repairs, and emergency expenses.

Pre-qualification gives an estimate of loan terms based on credit and information provided. Final approval requires completing a full loan application.

Funds are deposited into your bank account within 1-2 business days if you qualify for electronic funding. If you close at the office, you receive a paper check the same day.

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

Republic Finance is open Monday to Friday from 8:30 AM to 5:30 PM and closed on Saturdays and Sundays.

The Charlottesville location is at 360 Pantops Center, Charlottesville, VA 22911-8655.

Yes, Jim's Gym and Mountain-Kim Martial Arts are nearby fitness centers where you can work out before or after visiting Republic Finance.

Nearby dining options include Hangry Hut (restaurant and candy store), Zizza Pizza & Grill (American restaurant), Mi Casita (Latin American restaurant), The Donut Kitchen, and Shang Hai Restaurant (Chinese cuisine).

Yes, Insurance Doctor Charlottesville (auto insurance) and Advance America (financial services) are close by for additional financial service needs.

Yes, Pantops Shopping Center and Roses Discount Store are nearby shopping centers where customers can shop after visiting Republic Finance.