What Is a Personal Loan?

A personal loan with Republic Finance is money you borrow and pay back through monthly installments.1 The loans are usually paid over multiple years instead of weeks or months, involve a simple application process, and may provide more predictable repayment plans than credit cards.2

You can use your loan for a variety of reasons, whether on home repairs, holiday spending, or financial emergencies.

Generally, a personal loan is secured by collateral, such as your automobile or other personal property such as your laptop. You can also see if you prequalify for an unsecured loan through Republic Finance’s website.

How to Get a Personal Loan Online

Applying for an online personal loan is simple:3

1
  • Fill out a pre-qualification request (this won’t affect your credit score).
2
  • Verify your info during the loan application process. Make sure everything is accurate!
3
  • Sign loan documents and get your money. If approved, you’ll receive your funds within 1-2 business days. 4
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  Why Get a Personal Loan from Republic Finance?

RESPONSIVE SERVICE

Simply fill out an online pre-qualification form and we’ll be in touch shortly! We'll be happy to answer any questions.

SIMPLE PROCESS

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

STELLAR REPUTATION

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

Can You Get a Personal Loan?

It’s easy to tell if you may qualify to receive a personal loan; simply use our online pre-qualification tool. It only takes a few minutes and won’t affect your credit score.

Your ability to get a personal loan depends on multiple factors, including your employment, income, and credit history.

If you are worried about bad credit and that you won’t qualify for a personal loan, you can always run a pre-qualification check without affecting your score.

Is it Hard to Get a Personal Loan?

Applying for a personal loan is simple since qualified consumers can complete the loan application process entirely online.
 
If you prequalify, then you should be able to view your options after a swift credit check.
 
We also offered secured loan options in our physical branch locations. With a secured loan, you may qualify for a larger loan amount. Secured loans involve using collateral such as a car or personal property as part of the loan agreement.

Get Pre-Qualified

Taking Out a Personal Loan Online: What to Expect

The personal loan process is straightforward and transparent.

If you pre-qualify and apply online, we’ll review and verify your information. Pending the review, once you’re approved, you’ll receive all the details of your prospective loan. We’ll be available to answer any questions! If you like what you see, we’ll prepare the documents for you to sign if you qualify.

After signing, you could either receive your loan proceeds directly into your bank account through an ACH transfer (within 1-2 business days), or you could receive your funds in the form of a paper check as soon as the same day if you go to one of Republic Finance’s 250+ branch locations.

 

Want to Estimate the Monthly Payment Rate for Your Selected Credit Score?


Use Our Personal Loan Calculator

1. 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. 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. Current customers: some current customers may not be eligible for a loan refinance. Further, 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.
 
3. Not all consumers are eligible to apply online.
 
4. If you qualify for electronic funding, the funds will be deposited in your bank account with 1-2 business days. When closing a loan in a physical Republic Finance office location, you will receive your funds same day in the form of a paper check.