Personal Loans with Republic First Funding

Everyone has plans for their life..

Have you ever had the desire to do or buy something but lacked the cash to do it? Maybe you wanted to pay for your dream wedding, open a business, or build an addition onto your house. Whatever your reason was for wanting the money, a personal loan is sure to help you achieve your goals.


Let’s take a look at personal loans in more detail. What are they

A personal loan is defined as money that you borrow and pay back with interest over multiple years. This loan can be used for almost any purpose. A few examples of common uses for personal loans are:


Debt consolidation loans


Home improvement loans


Medical bills


Divorce costs


Small business expenses

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Holiday shopping


Funeral costs


Moving expenses

There is not much restraint on what you can use a personal loan for.

Unsecured Vs. Secured

Unsecured Vs. Secured

Two different ways that personal loans are compared is whether they are secured or not secured.

Secured - These types of loans require collateral (something of value to put up against the loan). Examples of collateral are cash in a savings account, a house, an expensive car, or expensive artwork or jewelry.

Unsecured - These types of loans do not require collateral. To be approved for an unsecured loan you generally need to have a higher credit score and income. These types of loans are generally harder to get because the lender will probably have a hard time getting their money back if you don’t pay them.

Fixed Vs. Variable

Fixed and variable refers to the rate of interest that you pay on the loan.

Fixed-Rate - Fixed rates of interest cannot change. These types of loans are much more common.

Variable Rate - Variable rates of interest can fluctuate throughout the length of the lease. These fluctuations are usually tied to the interest rate at which banks and other institutions are able to borrow money.

Fixed Vs. Variable
How to compare loans

How to compare loans

There are three main ways that you can compare different types of personal loans: the interest rate, loan term, and fees. Each of these will most likely be relatively similar at different institutions. However, when it comes to personal loans, the devil is in the details.

  • Interest rate - This is the rate of interest that you will pay over the course of the loan. Take these with a lot of scrutiny. Even a 1% change can save or cost you a significant amount of money.
  • Loan term - The length of time that you have to repay the loan. Generally, the longer the term the lower the payment and vice versa.
  • Fees - Be sure to inquire about any other fees that you may be charged for before signing the loan papers.

Be sure to do thorough research before entering into an agreement for a personal loan. Additionally, it is usually a good idea to get a few different offers before making a decision.

Should you apply for one?

This is a personal question and depends on what exactly you need the money for and what your current financial situation is. However, if any of the following apply to you then we’d recommend looking into applying for a personal loan:

  • You’ve done a significant amount of research and are positive you have the resources to repay the loan.
  • You’re comfortable taking on the responsibility of repaying.
  • You absolutely need the money and don’t have any other way of getting it.

We hope that you found this article valuable in understanding what a personal loan is. If you’re interested in speaking with a professional regarding personal loans feel free to reach out to us!

Should you apply for one
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"The service was great, our financial adviser was all ears when we discussed our debt issues with her and she was able to match us with the best program for us. My husband and I are super happy with them and we’ll definitely recommend them to our friends and family looking into debt relief services."

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"I enrolled in their debt consolidation program and I’m glad I did! I’m still 2 months into the service but, so far, they’ve been doing their end of the deal and I’m seeing optimistic progress with my account."

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Why Trust Republic First Funding

Here are the Benefits at a Glance

It’s Fast And Low Stress

We know that in today’s world of apps, computers, and machines the last thing people want to do is sit on the phone with an automated answering machine or fill out a generic form online. This is especially true when it comes to something as critical as your financial health. Everyone’s financial health is a little bit different and you have special needs that need to be met.

That’s why our entire process is fast, low stress, and done with real people. We take pride in sitting down with our customers and really understanding your situation so that we can offer the best advice possible. If you appreciate doing business with other people (not machines or websites) then give us a call today!

We Can Be Flexible To Fit Your Needs

Everyone’s situation is a little bit different and there is no “one-size-fits-all” when it comes to your finances. Uncertainty when it comes to finance is one of the leading reasons that people fall short of their financial goals. They simply aren’t sure where to start or what they may be eligible for. That’s why we offer flexible terms from 12 months up to 5 years.

If you’ve ever been a little uncertain about asking questions don’t worry, it’s 100% free to call and chat with us! Start a conversation by telling us your financial goals. We think you’ll be pleasantly surprised by how we can help you reach them.

Improve Your Credit

Hurting your credit score can be a nightmare scenario for lots of people. It can prohibit you from purchasing a home, starting your dream business, buying a car, etc. In fact, fear of hurting their credit score leads many people to not even venture down certain paths like applying for a loan or opening a credit card at all.

We can help you boost your credit score through a number of methods that you may have not even known were possible. For one example, you can take out a low-interest consolidation loan to pay off high-interest debt and then make consistent monthly payments on your new loan. Doing this will save you money while also drastically improving your credit score! Give us a call today to learn about more ways we can help you raise your credit score and reach your financial goals.

Don’t Worry, There Are No Hidden Fees

Hidden fees are the worst, there’s no way around it. You sign up for something at a fair price only to discover that the “fair price” didn’t include things like “Registration Fees”, “Advisory Fees”, or “Transaction Fees”. We’ve all been there and it isn’t fun.

When you do business with us, you won’t be doing business with some huge, faceless mega-corporation. We’re real people just like you. We hate getting caught with hidden fees so why would we want our customers to feel that way? 100% transparency is what you can expect from us.

Questions? We’re ready to help. Give us a call and let’s talk!

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