What Is a K-12 School Loan?

A K-12 school loan is a personal loan that you can use to fund pre-college school expenses. This can be for private school tuition, school supplies, uniforms, or anything else related to K-12 schooling.1

Get an unsecured K-12 school loan online or visit one of our branches to secure your loan with collateral, such as an automobile or a laptop. If you're unsure if you qualify, Get Pre-Qualified with no impact to your credit score!

How Do You Get a K-12 School Loan?

Prequalifying for a school loan is simple.


Fill out a pre-qualification request (this won't affect your credit score) or visit your local branch.

  • Verify your information during the loan application process. Make sure everything is accurate!

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

Get Pre-Qualified

Why Get a K-12 Loan from Republic Finance?


Simply fill out an online pre-qualification form and we’ll be in touch shortly!


Got a moment? You can pre-quailfy in minutes with no impact on your credit score


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 a K-12 Loan?

Predictable Payments. We get it: schooling can be hectic. Our loans are crystal clear with no surprises, so you can focus more time on your child's success. 

Fully Serviced. Got questions about K-12 school loans? We've got answers. And we're always available to help you through the application process.

A School-Funding Alternative. Using a credit card or other source of high-interest debt isn't always the best option to pay for schooling. Check out our rates before you decide. 

How to Pay for K-12 Private School with a Loan

In addition to supplies and expenses, K-12 loans can help you pay for private school tuition. You can simply apply for the loan before tuition is due and pay it back in monthly intervals.

To pay for private school tuition with a loan, you can simply go through the loan application steps, or get started with our pre-qualification tool. If approved, you could get your funds as soon as one or two business days, which is good if you’re in a hurry.

After, you’ll pay back the loan in regular installments. The terms will be provided to you at the very beginning and a friendly specialist will be available throughout the process to answer questions.

Get Pre-Qualified

K-12 Loans as Supplements for Tuition Assistance for Private Schools

If you’re looking for help paying for tuition for private school, there may be various forms of scholarship, governmental, and private sources available to you. Your school’s website may have suggestions of where to look.
If you’re unable to secure adequate funding, a K-12 loan can be a tuition-funding alternative. You can use the loan to make up the difference that your child’s tuition assistance won’t cover, or you can pay for tuition directly with the loan.

Looking For a Republic Finance Branch Near You?

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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.