Note: Our current areas of service are around our local branches.

Legal Disclaimers: This is for informational purposes only. The inputs you have provided do not constitute an application for credit. Furthermore, any results do not constitute a loan offer. Your likelihood of qualifying is based upon the percentage of applicants within the chosen estimated FICO score who applied and were approved for a loan with the same loan amount input selected for your state. The Loan Calculator provides information about the monthly payment and Federal APR based upon the average personal-property secured loan using the inputs provided for a loan closed with Republic Finance. The loan calculation is inclusive of voluntary personal property insurance. Personal-property insurance is required on personal-property secured loans, but the purchase of the required insurance from Republic Finance is optional. Missouri Residents: personal-property secured loans are not offered in your state, the loan calculation of monthly payment and Federal APR will be based upon the average unsecured loan offered by Republic Finance to a customer who closed a loan using the inputs provided. This Loan Calculator does not consider your personal financial circumstances and the information is not an indication of the amount you would qualify for if you submitted an application – you may qualify for more or less. Should you apply for a loan, actual loan terms will be based upon your application. If approved, review the terms of any loan offer carefully before signing. Republic Finance does not make any warranties or representations of any kind, express or implied, with respect to the information provided, including the accuracy or applicability to any particular consumer’s situation. The information contained herein is not intended to be and does not constitute financial, legal, tax, or any other advice.

Secured Loan Calculator  

The calculator incorporates our secured-loan historical data, and so it may be a good estimate of your details if you wish to secure your loan with something you own, such as an automobile or laptop.


What is a secured loan? A secured loan is a personal loan that you use something you own of value--often a vehicle--as collateral. The benefit of this is that you can sometimes increase the loan amount available to you, depending on what collateral you use.


First, use the calculator to get a baseline idea of what kind of loan you might qualify for. Once you calculate your personal loan estimates, you can visit our branch where our specialists will finalize your loan details.

How to Estimate Your Personal Loan Payments   
  1. Enter your ZIP code. We’ll show you our best estimate for your location.
  2. Select your loan amount. How much do you want to borrow?
  3. Decide how long you want to pay. We’ll calculate monthly payment based on your selection.
  4. Select your credit range. If you’re not sure, use your best estimate to get a result.
  5. Hit “Calculate” and see your results! 

How Much Can You Borrow?


How big of a personal loan you can get depends on many factors, such as state of residence and credit score. However, the largest loan amount you can pre-qualify for online with Republic Finance is $10,000. If you’re seeking more, you may want to visit a branch in-person and speak to a consumer loan specialist. In some cases, you can improve your chances of qualifying for a loan by reducing the amount you’re requesting to borrow. The personal loan calculator can help you decide how much to ask for. Finally, always borrow only what best fits your financial situation. 

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Disclaimer: 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. Optional voluntary products are available for purchase with any secured loan extended, based on qualifying factors. All loans and renewals are subject to approval pursuant to standard underwriting criteria. Not all consumers will qualify.