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.
Details
- Onsite servicesAvailable
Location
Hours
Reviews
5.0
7 reviews
5 stars
7
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1 star0
- NBNorman BushFeb 28, 20255.0The staff was very friendly and courteous. Made me feel comfortable in doing business with them.
- RWRita WhiteDec 4, 20245.0The staff is always friendly and ready to try to help you out. Great office
- WMWilla McnealJun 5, 20245.0Republic was an excellent choice for me to get a loan. Everything went smoothly and I was satisfied with how my loan was handled. I felt respected and valued as a person. The staff was professional, courteous, pleasant and kind. I didn't have any problems.
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, bill consolidation, emergency, holiday, home improvement, K-12 school, vacation, and personal loans.
How does pre-qualification for a loan differ from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and info you provide, while final approval requires completion of a full application.
How quickly can I receive funds after loan approval at Republic Finance?
If you qualify for electronic funding, funds are deposited within 1-2 business days. For loans closed in-office, funds are given the same day as a paper check.
What are Republic Finance's regular business hours?
Republic Finance is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and major holidays like Thanksgiving and Christmas.
Where is Republic Finance located in Cullman, AL?
Republic Finance is located at 1730 2nd Avenue SW, Cullman, AL 35055.
What should I do if I miss a payment at Republic Finance?
If you miss a payment, you may be charged a late fee. Contact your local branch or consult your loan documents for specific details.
What is the difference between the interest rate and APR on a Republic Finance loan?
The interest rate covers the percentage you pay to borrow money; APR includes the interest rate plus fees like origination and documentation fees, so APR is typically higher.
How might I use nearby businesses when visiting Republic Finance in Cullman?
You can enjoy meals at nearby restaurants like New China Restaurant or Ninja Japanese Steakhouse before or after your visit, or visit local salons such as Salon Luxe for a relaxing experience.
Are there other financial service providers near Republic Finance in Cullman?
Yes, nearby financial services include Security Finance, Regional Finance, Sun Loan Company, PNC Bank, and BBVA Bank which offer loans and financial advising.
What other amenities can I find near Republic Finance in Cullman?
Nearby amenities include Tractor Supply Co. for hardware and outdoor gear, Enterprise Rent-A-Car for travel needs, and several nail salons and spas like Lovely nails & spa and Nail First for beauty services.