Business Details
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.
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- Onsite servicesAvailable
Location
Hours
Reviews
3.2
32 reviews
5 stars
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1 star
10
- CWClarence WilsonAug 26, 20255.0Great Service
- DFDawn FinleyApr 10, 20181.0If you need a loan I would not go here. I have had many loans. My credit is ok I have never been turned down for a loan. This place sent me a check in the mail said I was pre approved i think it was like $800.00. I cashed it made my payments on time. I kept receiving letters in mail stating i was pre approved for more money it said $1200. I threw away most of them. But around Christmas i needed extra cash i had just got another one in mail stating i was pre approved. So I took the letter and went to their office. I had to do an application and a credit check. They told me that I wasn't approved and I had no credit at all my score was 0. I asked how did I get the first loan if that's the case. She said she didn't know. I know my credit score is not 0. Well after that I have continue to pay my loan always on time. It's been 6 months never missed a payment never been late. I called and ask can I renew my loan . I have done this with several loan places. All I hadbto do was go in renew my contract and leave with cash. They didn't have to run my credit because I wasn't getting another loan and I was a good customer. Well this place told me that they would have to run another credit check and that their company didn't work like that. If I wanted my credit run I can go anywhere and get more money than what I would be getting with them. The reason I came to them was so I didn't have to run my credit because it lowers my score.I suggest anyone needing a loan go somewhere that appreciates it's good customers. Their is hundreds of loan places that do this.At least they care about their good customers who pay not time.In this area Covington Credit is a very good one.
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 bill consolidation, home improvement, vacation, car purchase and repair loans, and other unplanned expenses loans.
How does pre-qualification differ from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and information you provide, while final approval and terms depend on completing a full loan application.
Are the loan checks received by mail from Republic Finance real?
Yes, loan checks are pre-approved loan offers issued by Republic Finance.
What is the difference between the interest rate and the APR on Republic Finance loans?
The interest rate is the cost percentage charged on the borrowed money, excluding fees, while the APR includes the interest rate plus any fees and finance charges, typically showing a higher rate.
What does it mean to refinance a loan with Republic Finance?
Refinancing replaces your current loan with a new one that may have different interest rates, terms, or repayment timelines, including the balance and any applicable fees or insurance products.
How quickly can I get loan funds from Republic Finance?
If you qualify for electronic funding, money is deposited within 1-2 business days; if you close a loan in person at a Republic Finance office, you receive funds the same day via paper check.
What are the operating hours of Republic Finance in Attalla, AL?
Republic Finance in Attalla is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and major holidays like November 27 and December 25, 2025.
How can nearby public places assist me in visiting Republic Finance?
Nearby places such as Kangaroo Express and Circle K convenience stores can be helpful landmarks or spots to grab coffee before your visit; also, you can find ATMs nearby at The Exchange Network or Kangaroo Express for easy cash access.
What dining options are available near Republic Finance in Attalla?
You can enjoy meals before or after your visit at nearby restaurants including Old Mexico Cantina & Grill, McDonald's, Subway, Cracker Barrel Old Country Store, Arby’s, and Domino’s Pizza.
Are there any nearby services for wellness or beauty near Republic Finance?
Yes, you can visit nearby beauty salons such as Kitty Nail Salon and Luna Nails or get a workout at Snap Fitness Attalla, convenient options for self-care around your financial visit.