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. 

Many people use this type of loan for auto-related expenses, such as for repairs or other expenses. You can use the loan funds in a variety of ways.

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

Applying for an auto-secured loan is simple2 when you visit a Republic Finance branch.


Verify your income and vehicle info.


Bring in your vehicle and finish the loan application.


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

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Why Get an Auto-Secured Loan from Republic Finance?


You’ll love our friendly team. Simply stop by one of our many branch offices 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, especially vehicle-related costs.

When your car breaks down, your truck needs maintenance, or you require help with vehicle expenses, 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.  

With more than 250 locations in over ten states, it’s easy to find a location near your neighborhood.

We’ve got offices in Alabama, Georgia, Kentucky, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, and Virginia.

Our local stores 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.

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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. 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. Based on more than 28,000 feedback responses from Feefo, with reviewers rating our loan application process with a 4.9 out of 5 rating. See all the reviews>>> The average time to complete loan paperwork is less than 12 minutes, but many people complete it in less than 10 minutes. The in-branch loan closing time is an estimated 60 minutes. Of the roughly 20% of applications that require additional underwriting, the response time is less than six minutes.

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