What Is an Auto-Secured Loan?

An auto-secured loan, also called an auto-secured transaction, secured car loan, or collateral car loan--allows you to use your automobile as collateral for a loan. This may provide you with additional lending options as compared to a secured loan. 

An auto secured loan can be used in a variety of ways, such as for repairs or other expenses.

Our loan terms are payable in monthly installments over one to five years, providing you with a more predictable repayment plan. 

How to Get an Auto-Secured Loan


Verify your income and vehicle information.


Bring in your vehicle and finish the loan application.


Sign loan documents and get your money. If approved, you will receive your funds the same day in the form of a paper check. 2

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Why Get an Auto-Secured Loan from Republic Finance?


You’ll love our friendly team. Stop by your local branch to get started.


We strive for simplicity. That means no headaches – a branch team member will guide you through the loan application process.


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

What Are the Benefits of an Auto-Secured Loan?

Many people take out a loan against their car or truck because it can help them qualify for a loan. Also, the terms may be more favorable when you use an automobile as collateral.

Auto-secured loans are especially helpful for unexpected expenses.

If your car or truck needs maintenance or repairs, an auto-secured loan can provide the urgently needed funds.

What Are the Secured Car Loan Requirements?

To use a car for an auto-secured loan you must own the vehicle with no other lienholders. In addition, the vehicle must have adequate insurance protection. Finally, you must qualify for the loan.  

Our local branches offer a full range of personal loan services. Meet face-to-face with a friendly service representative, tell us your needs, and consult our loan experts to find the best solution for you.

Looking For a Republic Finance Branch Near You?

1. 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 35.99%. Loan terms (e.g., rates, origination fees and max. loan amounts) 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. Not all consumers will qualify. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance’s website. Secured loan applications and closings must be completed with a branch employee, and not on our website. Secured loans will have collateral and insurance requirements. The purchase of any required insurance from Republic Finance is optional. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. Current customers: some current customers may not be eligible for a loan refinance. All refinance applications and closings must be completed with a branch employee, and not on our website.
2. 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.


  Note: Insurance products offered by Republic Finance vary by your state of residence. For more information, contact or visit your local Republic Finance branch.