A secured personal loan is a loan that requires you to use your personal property as collateral (for example, a vehicle, laptop, etc.). 

Unsecured personal loans are loans that do not require collateral. 

Some customers may not be eligible for all loan types. 

Voluntary Products, also known as credit insurance, are optional insurance products that you can purchase that may assist you with making loan payments when certain qualifying events occur that prevent you from making your monthly loan payments.

Talk to your local branch for more information about voluntary product options.

Credit Life, Credit Disability, Credit Involuntary Unemployment, Credit Property, Credit Property Auto are types of voluntary insurance products.

Voluntary product options and terms vary depending upon the state in which the branch you booked your loan is located. Not all insurance types are available in all states. 

Credit life is insurance that pays the covered balance of the loan in the event of the insured’s death during the term of coverage.  

Credit disability is insurance that pays an amount toward the debt for a specified period of time while the insured is unable to work as a result of a qualified injury or sickness lasting longer than any applicable waiting period. 

Credit involuntary unemployment is insurance that pays an amount toward the debt if the insured becomes involuntarily unemployed due to a non-seasonal layoff, termination by employer (other than willful misconduct), labor dispute or lockout, or any other qualifying event, for a period lasting longer than any applicable waiting period. 

Credit property insurance is insurance that protects the insured creditor’s interest in the borrower’s collateral (personal property) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. If the property is damaged or destroyed by a qualifying event, the insurance will pay a down a portion of the loan based upon the value of the property damaged or destroyed.

Property auto insurance is insurance that protects the insured creditor’s interest in the borrower’s collateral (vehicle) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. 
Property auto insurance does not replace and is not a substitute for liability or other insurance required by state law and/or your loan contract.  

  

Credit property insurance is required on all personal property secured loans, but the customer is not required to purchase it from Republic Finance, LLC. Insurance can be purchased from any carrier of your choice.   
All other voluntary insurance products offered by Republic Finance are optional. 

No. Although you have the option to purchase voluntary products  from Republic Finance, you may purchase insurance from any carrier of your choice.   
Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. 

 

Fortegra Motor Club membership is a roadside assistance program that offers a variety of services, which can include towing, winching, battery charging, lockout, tire changes, fuel delivery, key replacement, travel discounts, and more. Motor club memberships are not  insurance.   
Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. 

Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Final approval and loan terms are contingent on completion of a full loan application.  

Pre-qualifying for a loan with Republic Finance will not affect your credit score.
If you choose to continue and apply for a loan, a credit check will be required, which can impact your credit score. 

You can check the status of an online application by going to https://secure.republicfinance.com/applyv2/login and  logging into your account. For branch applications, you can call your local branch to find out the status. If you have not started an application yet, go to https://www.republicfinance.com/apps/prequal to get started.
 

Yes, it is a real loan check!  A loan check is a preapproved loan offer. Go to https://www.republicfinance.com/check 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, or other finance charges) and is expressed in terms of a percentage rate. The APR will typically be higher than your interest rate. 

You can use this loan calculator to estimate your monthly loan payment, Federal APR, and chance of qualifying.

Contact your local branch or Republic Finance at 1-833-907-1734 to determine the total amount necessary to pay the entirety of your loan. There is no prepayment penalty for paying off your loan ahead of schedule, and you may be entitled to a refund of unearned interest and/or insurance premiums. 

You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734.  

Republic Finance offers AutoPay in the form of recurring debit or recurring ACH payments. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. 
The ability to set up AutoPay may be limited based upon certain account statuses. Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay.  

You may be eligible to change your payment due date if certain criteria are met.  Contact your local branch or call 1-833-907-1734 so we can help determine if changing your payment due date is possible for you.   

If you cannot make a payment now, need more time, or want to discuss payment options, contact your local branch or call 1-833-907-1734 to see what we can do to help. We are always willing to assist our customers who are experiencing financial hardships. 

Refinancing a loan pays off your existing loan with a portion of the funds from a new loan that potentially has a new interest rate, revised terms, and/or revised repayment timeline. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. 

If your application was declined by Republic Finance, you should receive a written notice in the mail that provides information about why you were denied. 

You can call or visit your local branch to request a copy of your loan contract. 

Yes, go to https://www.republicfinance.com/get-republic-finance-mobile-app-here to download the app or search “Republic Finance” in your Apple App Store of Google Play Store.

Go to https://secure.republicfinance.com/enroll/ to access the Customer Online Portal.
 

You can review the details of your loan, schedule and view payments and more! New features and enhancements are being added to the Customer Online Portal often, many of these have been suggested and vetted by our customers!