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About
Loan AgencyInvestment Service
At Republic Finance, we've been helping customers meet their financial needs since 1952. Get the funds to begin living your dreams. Get started today! 70+ years exp. Helpful resources. Customer-centered. Nearly 370,000 customers. Flexible lending options.
Details
- Onsite servicesAvailable
Location
Hours
Reviews
3.2
15 reviews
5 stars
7
4 stars
1
3 stars
1
2 stars0
1 star
6
- JMJacqueline MiddletonOct 30, 20255.0Jessica was very great and knowledgeable
- BMBeau “Beau & Rusty” MartyJul 29, 20255.0I came in confused & frightened bc another account was hitting my checking account unauthorized and could not be stopped. The ladies at the Oxford Branch of Republic helped me solve two problems at the same time. And I am grateful.
- JMJeremy MintonNov 21, 20245.0They do a great job.
- JWJennifer WallerSep 14, 20195.0The best customer service.Haley is wonderful she walked me through the process answered all my questions.They are the best .
Frequently Asked Questions About Republic Finance
What does Republic Finance do?
At Republic Finance we have been helping our customers meet their financial needs and life goals
since 1952. We offer personal loans from bill consolidations, home improvements, vacations, car
purchases, car repairs, and other unplanned expenses, we're here to help you!
What is the difference between pre-qualifying for a loan and applying for a loan?
Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the
information you provide. Final approval and loan terms are contingent on completion of a full loan
application.
I received a loan check in the mail, is it real?
Yes, it is a real loan check! A loan check is a pre-approved loan offer. Click here for more information
about our loan checks.
What is the difference between interest rate vs APR?
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.
What does it mean to refinance my loan?
Refinancing a loan replaces your existing loan with a new loan that potentially has a new interest rate,
revised terms, and/or revised repayment timeline. The remaining balance of your former loan will be
included in the loan amount of your refinanced loan along with any loan origination fees and voluntary
insurance products you agree to purchase, if allowed by state law.
How long does it take to get money from Republic Finance?
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.
How much can you borrow from Republic Finance?
The size of your loan approval depends on many factors, such as state of residence and income.
However, the largest loan amount you can pre-qualify for online with Republic Finance is $10,000.
What happens if I miss a payment with Republic Finance?
If you do not make your payments on time, you may be charged a late charge. You can call your local
branch or refer to your loan documents for details about late charges, including the amount.
What types of loans does Republic Finance offer?
Republic Finance offers personal loans including auto-secured loans, bill consolidation loans, emergency loans, holiday loans, home improvement loans, K-12 school loans, vacation loans, and general personal loans.
How long does it take to receive funds after loan approval?
If you qualify for electronic funding, funds are deposited within 1-2 business days. In physical locations, you receive funds the same day via paper check.
What is the difference between interest rate and APR on a loan?
The interest rate is the percentage charged for borrowing money, excluding fees. APR includes the interest rate plus any fees and finance charges, expressed as a percentage, and is usually higher than the interest rate.
What are Republic Finance's operating hours in Anniston, AL?
Republic Finance is open Monday to Friday from 8:00 AM to 5:00 PM and closed on Saturdays and Sundays. It also closes on holidays such as November 27 and December 25, 2025.
Where is the Republic Finance branch located in Anniston?
The branch is located at 2111 Hwy 78 East, Suite 4, Anniston, AL 36207, USA.
What happens if I miss a payment with Republic Finance?
Missing a payment may incur a late charge. For details about the amount and policies, call the local branch or refer to your loan documents.
Can I pre-qualify for a loan online at Republic Finance?
Yes, you can pre-qualify online to get an estimate of loan terms before applying. Final approval depends on completing a full application.
What nearby dining options are available around Republic Finance in Anniston?
Nearby dining options include Subway, Wendy's, Dairy Queen Grill & Chill, Cracker Barrel Old Country Store, Waffle House, and KFC, perfect for grabbing a meal before or after your visit.
Are there any nearby services that can help visitors of Republic Finance?
Yes, visitors can find nearby services such as Raindrop Car Wash for vehicle cleaning, Minute Key for locksmith services, and Penske Truck Rental for moving or transportation needs.
What nearby health and wellness facilities are close to Republic Finance in Anniston?
Nearby health services include Visiting Angels for home health care, Enhabit Hospice, Enhabit Home Health, Champion Sports Medicine for physical therapy, and Tip Toe Nails Spa for beauty treatments.