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A secured personal loan is a loan that requires you to use your personal property as collateral (for example, a vehicle, laptop, etc.).
Unsecured personal loans are loans that do not require collateral.
Some customers may not be eligible for all loan types.
Loan Payment Protection Insurance (PPI), also known as credit insurance and/or credit protection insurance, is an optional insurance you can purchase to assist you with making loan payments when certain unexpected events prevent you from making your monthly loan payments.
Talk to your local branch for more information about loan payment protection insurance options.
Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan payment protection insurance.
Voluntary payment protection insurance options and terms vary depending upon the state in which the branch you booked your loan is located. Not all insurance types are available in all states.
Property auto insurance is insurance that protects the insured creditor’s interest in the borrower’s collateral (vehicle) against certain types of direct and accidental loss or damage to the collateral during the term of coverage.
Property auto insurance does not replace and is not a substitute for liability or other insurance required by state law and/or your loan contract.
Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice.
All other payment protection insurance products are optional.
No. Although you have the option to purchase payment protection insurance from Republic Finance, you may purchase insurance from any carrier of your choice.
Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage.
Fortegra Motor Club membership is a roadside assistance program that offers a variety of services, which can include towing, winching, battery charging, lockout, tire changes, fuel delivery, key replacement, travel discounts, and more. Motor club membership is not loan payment protection insurance.
Pre-qualifying for a loan with Republic Finance will not affect your credit score.
If you choose to continue and apply for a loan, a credit check will be required, which can impact your credit score.
The interest rate deals with the costs you will pay to borrow money. The interest rate only includes the interest percentage you will be charged for borrowing the money and does not include any other fees you might be required to pay on the loan.
The Annual Percentage Rate (“APR”) is not the same as the interest rate. The APR is the interest rate plus the fees you may be required to pay on the loan (i.e. origination fees, closing fees, documentation fees, and other finance charges) and is expressed in terms of a percentage rate. The APR will typically be higher than your interest rate.
Republic Finance offers AutoPay in the form of recurring debit or recurring ACH payments. You can set up AutoPay through your online account or by visiting your local Republic Finance branch.
The ability to set up AutoPay may be limited based upon certain account statuses. Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay.