Get started online for a loan for almost anything!

A personal loan are funds acquired from your trusted lender, Republic Finance. This loan can be unsecured or secured through collateral, such as personal property or personally owned automobiles. Personal loans are generally precomputed loans, which consist of fixed monthly payments over a predetermined period, or interest-bearings, where interest is earned daily and is calculated as payments are made. Personal loans can be used as a tool to build your credit when payments are made on time.

If you’re wondering how a personal loan can help you, you might be considering the many options Republic Finance offers. While there are many providers available, choosing the right, trusted lender can benefit you and your loved ones, both short-term and long-term.

Personal loans may offer lower interest rates, compared to pay-day lenders, and are paid over one or multiple years, instead of weeks or months. As a result, personal loans offer a predictable repayment plan to help meet your budget. When you qualify with Republic Finance, we are dedicated to serving you and working with you to try and get a loan that best fits your needs.

There are numerous reasons why individuals might need a personal loan, so you might be wondering what the most common uses this loan is used for:

Large Purchases are one of the top reasons to secure a personal loan. Purchases that require higher spending can sometimes be difficult to manage all at once. With the help of a personal loan, you can leave the store with a new smart tv! Sometimes the best deals are available at the not-so best times. Having the access to the funds you need will help you score big on the deals when they’re available and Republic Finance can help!

Emergency expenses are also reasons to use funds from a personal loan. Life comes at you fast! You never know if your household appliance will quit on you or if an unexpected trip to the emergency room will leave you stacked with bills. During these abrupt moments, having the funds you need can set up a stable and affordable plan to get you back on your feet. Republic Finance is here for those sudden moments too!

Vacations are another common use for personal loans. Sometimes it takes a while to save up the funds you need to finance your trip, especially if it's a last minute getaway. With the help of a personal loan, you can finance your vacation with easy monthly payments over time. Whether you need money for a beach vacay, a road trip across the country, a global expedition, or even making a down payment on a cruise for next season, Republic Finance may be able to help you cover it!

The options don’t end there! Use your personal loan for all the various moments in life, but not limited to:

Large Purchases

Emergency Expenses

Vacation Expenses

Wedding Expenses

New Baby Expenses

Family Financial Aid

Pet Expenses

Gift Purchases

Funeral Expenses

Grocery Purchases

Party Expenses


Get started today!

If you’re interested in applying for a personal 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.