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An auto-secured loan are funds acquired from your trusted lender, Republic Finance, secured through collateral, which consists of personally owned automobile or automobiles. Auto-secured loans are generally precomputed loans, which consist of fixed monthly payments over a predetermined period, or interest-bearings, where interest is earned daily and is calculated as payments are made. All auto-secured loans require the vehicle to be insured. The vehicles can be insured through an existing auto insurance policy or through one of the optional auto insurance products Republic Finance may offer.

If you’re wondering how an auto-secured loan can help you, you might consider the options Republic Finance offers. While there are many providers available, choosing the right, trusted lender can benefit you and your loved ones, both short-term and long-term.

Auto-secured loans are structured as installment loans, repaid over time with a set number of scheduled payments. Using your vehicle as collateral, you may use this loan to refinance your monthly vehicle payment, finance any needed auto repairs, or use the auto-secured loan funds for other purposes. Using an automobile as collateral is great way to help meet the collateral requirements for a loan with Republic Finance. You may qualify for our special vehicle refinancing option which could provide you with a lower APR and/or a lower monthly payment than your current automobile loan.

If approved for an auto-secured loan, you can use these funds for several purposes, including refinancing your current vehicle payments. Auto-secured loan funds can be used to pay off your current loans with a new loan and, dependent on the customer, these funds may help lower your current interest rate, reduce monthly payments, or change the duration of your loan.


Our auto-secured loans also offer the funds you may need to repair your vehicle. You cannot always wait to get the funds when car maintenance is needed, especially if you must pay for a new engine or other major repairs for your vehicle. Republic Finance may be able to lend you the funds to pay off those auto repair bills, and if approved for these funds, you can pay off your repair bill right away, or spread your auto loan payments out over time. This may help you budget your payments and provide a more predictable set number of scheduled payments.

 

Get started today!

If you’re interested in applying for an auto-secured loan from Republic Finance, there are a couple ways to do so. We take pride in offering incomparable customer service in all our branches.

Get Started Online

We are proud to offer the ability to get pre-qualified online! To see your loan options, complete your pre-qualification process here. And now, qualified consumers may also have the option to complete the entire loan application process for an Unsecured Loan online here!
 
*Not all consumers will be eligible to qualify online.

Find a Branch

You can locate a branch nearest you by using our branch locator tool. We have over 220 locations throughout Alabama, Georgia, Kentucky, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, and Texas.


Contact or visit your local branch today!

How do I apply?

Our interest rates & APR vary due to multiple factors, including credit history, credit score, income, loan amount, loan term, collateral, and the state where you live. If approved, our team members will go over all the details, including term options that fit your lifestyle. Here is what you can expect from the process:

Contact or visit a branch nearest you today using our branch locator tool. You can also get pre-qualified online prior to starting an application in a branch. And now, qualified consumers may also have the option to complete the entire loan application process online for an Unsecured Loan*! The online process, as well as our branch team members will request personal, financial, and employment information in order to provide an immediate decision regarding your loan possibilities.
Our branch team members nearest you will need to verify certain information including, but not limited to, your identity, income, and collateral. Be sure to bring in all necessary information, or you can always reach out to our branch team members if you have any questions or concerns! 
After we have had a chance to review your application and information, our team members will discuss your loan options, answer any questions you may have about the loan, and prepare the documents for you to sign! Upon signing for a loan, our customers are provided with a loan check from our team members that can be deposited at your bank. 

For those qualified consumers who are eligible to complete their entire loan process online, during the online application process, the applicant will need to verify their income and bank account information. If approved, the applicant will then sign their loan documents electronically. Applicants who can verify their banking information will receive their funds electronically via ACH deposit within 1-2 business days.  All other applicants will be able to visit their local branch of choice to pick up their loan proceeds.
Republic Finance welcomes you to our community and would be happy to answer any questions regarding your loan, terms, and payments. Thank you for your business! We look forward to serving you.
Why choose Republic Finance? 

Republic Finance has assisted customers in meeting their personal finance goals for more than 60 years. We take pride in our incomparable customer service, while happily serving more than 300,000 customers in over 220 communities throughout the United States. We specialize in providing a variety of consumer loans and flexible lending options that best fit our customers' needs. You can count on the Republic Finance team to continue our unparalleled service when you need us most!

 

When applying for a loan in a branch, our team members assist you every step of the way! While the process is relatively quick, it is also efficient. Any questions or concerns you may have regarding your loan process are happily answered by our team members. If you cannot make it into a branch, you can call the branch and speak directly to our team. You can also get started online today here!

*Not all consumers are eligible to apply online. Secured loan options are available exclusively in-branch and will have additional collateral and insurance requirements. Standard loan terms, rates, and origination fees apply based on your state of residence. All loans and renewals are subject to approval pursuant to standard underwriting criteria. Not all consumers will qualify.
 
*All loans subject to our usual credit requirements. A valid government-issued photo ID and proof of income are required for all loan applications. Standard loan terms apply based on your state of residence, including rates, origination fees, collateral, and insurance requirements.
 
**Insurance products offered by Republic Finance vary by your state of residence. For more information, contact or visit your local Republic Finance branch.
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