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 purchase and repair, emergency, holiday, K-12 school, and auto-secured loans.

Funds are typically deposited within 1-2 business days for electronic funding, or the same day by paper check if closing a loan in person at a Republic Finance office.

Pre-qualification provides an estimate of loan terms based on your credit and provided information. Final approval requires a complete loan application and may have different terms.

Late payments may incur a late charge; details vary and can be obtained by contacting your local branch or referring to your loan documents.

Republic Finance is open Monday through Friday from 8:30 AM to 5:30 PM and closed on Saturdays, Sundays, and certain holidays including Thanksgiving and Christmas.

Refinancing replaces your existing loan with a new one potentially featuring new interest rates, terms, or repayment timelines. The remaining balance and any fees are included in the new loan amount.

Nearby services include Wells Fargo Home Mortgage for home financing, Gateway Dental And Orthodontics and GoSmiles Dentistry for dental care, and Block Advisors for accounting and financial services.

Yes, Benjamin Moore and Vienna Paint are nearby home improvement stores that customers can visit for painting and hardware supplies, useful if you're planning renovations funded by a loan.

United Fitness and Onelife Fitness - Gainesville gyms are nearby, offering convenient options for maintaining your fitness routine before or after visiting Republic Finance.

Nearby real estate agents and firms like Long & Foster Gainesville, MBH Settlement Group, and The Eisenhard Group can help with property purchases, complementing loan services you may seek at Republic Finance.