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Get started online to help reduce your debt obligations with a loan from us!

Bill consolidation, also known as debt or loan consolidation, is the process of rolling your debts into one monthly payment. A bill consolidation loan from your trusted lender, Republic Finance, may help consolidate debt by paying off other various debts. The debts can include credit card bills, medical bills, automobile bills, or other household bills. While a bill consolidation loan should not be confused with debt settlements, it may help simplify, and potentially reduce debt payments. While this loan is meant to make payments easier, it will not erase your overall debt.
If you have multiple debt payments, this loan may help get the funds you need in order to consolidate your debt by paying off multiple loans into one monthly payment! We offer convenient ways of issuing payoffs directly to your creditors, while allowing for any remaining funds to be disbursed directly to you!

A bill consolidation loan from Republic Finance, if approved, may offer several situations for you to combine your debts, creating greater financial moves.

Combining your bills through Republic Finance’s bill consolidation loan may help lower your monthly payments, secure lower interest rates, or extend the amount you owe into a longer period of repayment.
If your wallet is full of credit cards that are carrying out multiple balances, applying for a bill consolidation loan may be an option to consider! If you qualify with Republic Finance, you may use these funds to consolidate your balances into one monthly payment.

A bill consolidation loan may also offer you the funds you need to pay off other installment loans you have acquired. For instance, if you have a personal loan and are paying off medical bills with that loan, you may be able to consolidate these loans into one monthly payment. While installment loans are paid off over time in a set number of payments, bill consolidation loans unify your payments into one!

Get started today!

If you’re interested in applying for a bill consolidation 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 today. And now, qualified consumers may also have the option to complete the entire loan application process for an Unsecured Loan online!
*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! 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!

*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 are 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.