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
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- TJTimothy JamesJan 13, 20255.0Fast approval and APR for loans
- AMAngela MeltonNov 4, 20245.0The staff at the Florence Alabama location are just so wonderful. I have been going through so much this past year and the manager Evan has been really awesome working with me and I am just so grateful.
- LGLaDonna GuthrieJul 28, 20221.0DO NOT REFINANCE A VEHICLE THRU THIS COMPANY!! I made my payments every month, explained that my credit was suffering due to serious medical issues and COVID again. Medical bills we piling up and credit cards were late. Then I was hit by another driver on my way to work, the other driver was at fault. I totally kept this worthless company up to date the entire time BUT what did they do?? They lolligag about getting paper work to insurance company, delaying the check and causing me more car rental because once GA Farm Bureau and I agreed on the amount they would pay, the car rental was stopped by the insurance company and was totally paid out of my pocket at $66 a day...for 10 days!! GA Farm Bureau stated they had to call them twice to get the final paperwork. FINALLY!! Republic Finance calls that they get their check for $10,000 on my totaled car...BUT guess what? They WON"T even lend me the money for a down payment to replace my car because I have late payments on my credit score!!! COLD HEARTED, TERRIBLE COMPANY! I want to stop as many innocent people from falling into the mess I am in due to this company. Silver tongued lying company that has absolutely no feelings. I am 67 years old, with heart problems and diabetes. I haven't been able to pay for my diabetes meds since the wreck! Remember if they will do this to the elderly who kept them up to date....they will do it to their own mother or grandmother! Do not listen to the lies of how they care for their customers.
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 services does Republic Finance offer?
Republic Finance offers personal loans including bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How does pre-qualification for a loan differ from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information provided; final approval requires completing a full loan application.
Is the loan check I received in the mail from Republic Finance real?
Yes, the loan check is a real pre-approved loan offer from Republic Finance.
What is the difference between the interest rate and APR on a Republic Finance loan?
The interest rate is the cost to borrow money excluding fees, while the APR includes the interest rate plus additional fees such as origination and documentation fees, reflecting the total cost of the loan.
What does refinancing a loan with Republic Finance entail?
Refinancing replaces your existing loan with a new one that may have different interest rates, terms, and repayment timelines, including the remaining balance and any agreed fees.
How quickly can I get funds after applying for a loan at Republic Finance?
If approved for electronic funding, funds deposit within 1-2 business days; in-office loans receive funds the same day via a paper check.
What is the maximum loan amount I can pre-qualify for online at Republic Finance Florence, AL?
The maximum online pre-qualification loan amount is $10,000, though actual loan size depends on factors like state and income.
What are the operating hours for Republic Finance in Florence, AL?
The Florence branch is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and certain holidays such as November 27 and December 25, 2025.
Which nearby banks and financial services can assist customers visiting Republic Finance in Florence, AL?
Nearby options include Regions Bank for banking and ATMs, Western Union for money transfer services, and Alfa Insurance for insurance needs.
What nearby amenities can I find near Republic Finance on Ana Drive in Florence, AL?
Close amenities include Shoneys Family Restaurant for dining, Baymont by Wyndham Florence/Muscle Shoals hotel accommodations, and Walgreens for pharmacy and convenience needs.
Are there any healthcare facilities near Republic Finance in Florence, AL?
Yes, nearby healthcare providers include Rise Above Pediatric Physical Therapy, Metro Infectious Disease Consultants, Metro Infusion Center, and Pediatric Dentistry of Florence.