What Is a Personal Loan?

A personal loan with Republic Finance is money you borrow and pay back through monthly installments.1 The loans are usually paid over multiple years instead of weeks or months, involve a simple application process, and may provide more predictable repayment plans than credit cards.2

You can use your loan for a variety of reasons, whether on home repairs, holiday spending, or financial emergencies.

Generally, a personal loan is secured by collateral, such as your automobile or other personal property such as your laptop. You can also see if you prequalify for an unsecured loan through Republic Finance’s website.

How to Get a Personal Loan Online

Applying for an online personal loan is simple:3

  • Fill out a pre-qualification request (this won’t affect your credit score).
  • Verify your info during the loan application process. Make sure everything is accurate!
  • Sign loan documents and get your money. If approved, you’ll receive your funds within 1-2 business days. 4
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  Why Get a Personal Loan from Republic Finance?


Simply fill out an online pre-qualification form and we’ll be in touch shortly!


Got a moment? You can pre-qualify in minutes with no impact on your credit score.


Our customers love us. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year.

Can You Get a Personal Loan?

It’s easy to tell if you may qualify to receive a personal loan; simply use our online pre-qualification tool. It only takes a few minutes and won’t affect your credit score.

Your ability to get a personal loan depends on multiple factors, including your employment, income, and credit history.

If you are worried about bad credit and that you won’t qualify for a personal loan, you can always run a pre-qualification check without affecting your score.

Is it Hard to Get a Personal Loan?

Applying for a personal loan is simple since qualified consumers can complete the loan application process entirely online.
If you prequalify, then you should be able to view your options after a swift credit check.
We also offered secured loan options in our physical branch locations. With a secured loan, you may qualify for a larger loan amount. Secured loans involve using collateral such as a car or personal property as part of the loan agreement.

Get Pre-Qualified

Taking Out a Personal Loan Online: What to Expect

The personal loan process is straightforward and transparent.

If you pre-qualify and apply online, we’ll review and verify your information. Pending the review, once you’re approved, you’ll receive all the details of your prospective loan. We’ll be available to answer any questions! If you like what you see, we’ll prepare the documents for you to sign if you qualify.

After signing, you could either receive your loan proceeds directly into your bank account through an ACH transfer (within 1-2 business days), or you could receive your funds in the form of a paper check as soon as the same day if you go to one of Republic Finance’s 250+ branch locations.


Looking For a Republic Finance Branch Near You?

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For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (“APR”) and a 60-month term, your payments would be $226.47 per month. This example is based on an average customer with good credit. APRs will not exceed 36.00%. Not all consumers are eligible to apply online. Secured loan options are available exclusively in-branch and have additional collateral and insurance requirements. Loan terms, rates, and origination fees apply based on your state of residence and may vary depending on your creditworthiness. All loans and renewals are subject to approval pursuant to standard underwriting criteria. Not all consumers will qualify.