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, it involves an application process, and may provide more predictable repayment plans than credit cards.

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

Generally, personal loans are 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 on Republic Finance’s website.

How to Get a Personal Loan

Prequalifying for a personal 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 Personal 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.

Can You Get a Personal Loan?

It’s easy to tell if you may qualify to receive a personal loan; simply visit our Pre-Qualification Page. 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 offer secured loan options. 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

If you pre-qualify and apply for a personal loan 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 your local Republic Finance branch.

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

Use Our Personal Loan Calculator

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.