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 other unplanned expenses. Their products include Auto-Secured Loan, Bill Consolidation Loan, Emergency Loan, Holiday Loan, Home Improvement Loan, K-12 School Loan, Vacation Loan, and Personal Loan.

Pre-qualification provides an estimate of loan terms based on your credit and information you provide, while final approval and loan terms require completing a full loan application.

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

The interest rate is the percentage charged for borrowing money, excluding fees. The APR includes the interest rate plus any fees such as origination or documentation fees, so the APR is typically higher.

Refinancing means replacing your existing loan with a new one that may have a different interest rate, terms, or repayment timeline. The remaining balance and any fees are included in the new loan.

Funds are typically deposited electronically within 1-2 business days. If you close your loan in a Republic Finance office, you'll receive your funds the same day by paper check.

The maximum loan amount you can pre-qualify for online is $10,000, though actual approval depends on factors like state of residence and income.

Missing payments may result in late charges. You can contact your local branch or consult your loan documents for details on late fees.

The Woodbridge branch is open Monday through Friday from 8:00 AM to 5:00 PM and closed on Saturdays, Sundays, and certain holidays like November 27 and December 25, 2025.

Nearby places include Dental One Associates of Virginia for dental services, Chada Thai restaurant for dining, and Sunoco Gas Station for fueling your vehicle. Visitors can conveniently visit these spots around their Republic Finance visit.