RFLogo




Loans to meet your personal needs

This pre-approved loan is money that you borrow at a fixed rate to use for your personal financial needs. You'll pay back your loan in monthly installment payments over a set period of time. However, you can pay your loan off early with no extra fees. These loans provide an alternative to other lending options, like credit cards, and may even help you build credit if you make timely payments. *


*There are a number of factors that influence your credit profile and credit score. Republic Finance and its partners are not credit repair organization.



No branch near you? No problem

If you've received a loan check, but do not live near a branch, the check is still valid! We service customers outside our physical branch locations. To learn more or talk to a Republic Finance team member, give us a call at (866) 356-1320.






RFLogo

Trusted since 1952

customers

370K+

Active Customers

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Branch Locations



Frequently Asked Questions

Where do I cash my loan check?

You cannot cash the loan check like a normal check, but you can endorse and deposit the loan check into your bank account. By endorsing and depositing the loan check, you agree to the terms and repayment schedule of the loan as described in the attached agreement.

Why did I receive a loan check in the mail?

You received a loan check because you have been pre-approved for a loan in the amount of the check! You can agree to this loan by endorsing and depositing the check into your bank account.

How do I make payments?

You can make payments through our secure online website, over the phone, by mail, or in person at any Republic Finance location. To make payments online you can sign up for online access. You’ll see links to download our mobile app for even easier access to your account. For more information regarding payments visit our payment page.

I went through the online prequalification process, but I get a message that says my area is not serviced. Is my check still valid?

Yes! Loan checks are valid even in areas where we don’t have a physical branch or areas where we may not yet offer all our digital options. Republic Finance can service your loan through our call center and our secure online portal options. To learn more, give us a call at (866) 356-1320.

What do I do if the loan check I received has expired?

If your offer is expired and you’re still interested in a loan, call the phone number listed on the check to ask about your options, or visit RepublicFinance.com to apply.

Who can I talk to if I have any questions about the loan check?

For any questions, you can call (833) 907-1736.

What if there are no branch locations in my area?

You can search for a branch location near your area. If you received a loan check and do not live near a branch, you can still take advantage of this offer! Republic Finance will help service your loan through our call center and our secure online options. To learn more, give us a call at (866) 356-1320.

What happens if I have lost or damaged my check?

In most cases, you can visit or call your local branch for help with any questions you may have. If your check is lost or damaged, the offer is still valid until the date that was listed on your check. Visit your local branch where they can void the old loan check and replace it with a new one so that you’re able to deposit it.

How quickly will I have access to the funds once I endorse and deposit the loan check?

It will depend on your bank. Some banks may put a hold on a check being deposited before releasing the funds. For questions on the expected time for the hold, please directly reach out to the bank where you deposited your loan check.

After I deposit my loan check, how soon can I access my account online?

It takes 5-10 business days to process your information into our system after you deposit your loan check. Then you can enroll and sign in to your account on our secure website or through our mobile app.

How can I get on the list to receive a loan check?

Unfortunately, we are unable to send loan checks by request because these offers are based upon eligibility criteria confirmed by a Credit Reporting Agency. However, you can fill out a prequalification online or go to your local branch to get started with an application!

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Loans available through Republic Finance are offered by Republic Finance, LLC or Column N.A. All loans will be serviced by Republic Finance, LLC unless otherwise notified. Personal loans in AL, AZ, FL, GA, IN, KY, LA, MS, MO, NC, OH, TN, TX, SC, VA, WI are originated by Republic Finance, LLC. In Utah, auto secured loans with a term of less than twelve months are originated by Republic Finance, LLC. In Utah, Column, N.A., offers installment loans by mail (loan checks). In states where loans are offered by Column N.A., new loans are underwritten, approved, and funded by Column N.A. Information received by Republic Finance in connection with your loan inquiry related to loans originated by Column N.A. will be shared with Column N.A. Minimum and maximum loan amounts and other loan terms depend on applicant’s state of residence and applicant’s satisfaction of eligibility requirements and approval by the applicable lender. Republic Finance, LLC is not a bank.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.