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
4.0
12 reviews
5 stars
9
4 stars0
3 stars0
2 stars0
1 star
3
- HTHugh ThomasSep 25, 20255.0Autumn and the rest of the team were great. She listened to my issue and responded quickly.
- DMDonald McAug 21, 20255.0Always friendly service and very professional
- MRMyra ReynoldsApr 9, 20255.0Very understanding and helpful! We are always treated with kindness and respect. Do what they can to help, especially if you are having problems paying your payment. Reliable.
- JCJohn ChambleeMar 31, 20255.0They have always gone out of the way to make my experience with them the best it could possibly be. Autumn has always been very helpful and friendly. Overall a great place to do business!
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 various loans including personal loans, bill consolidation, home improvement, vacation, car purchases, and emergency loans.
How does pre-qualifying for a loan differ from applying for a loan?
Pre-qualification provides an estimate of loan terms based on your credit and information you provide, while final approval requires a full loan application.
Is a loan check received by mail from Republic Finance legitimate?
Yes, loan checks are pre-approved loan offers issued by Republic Finance.
What is the difference between interest rate and APR at Republic Finance?
Interest rate is the cost percentage for borrowing money excluding fees, while APR includes interest plus fees like origination and documentation fees, expressed as a percentage.
What does refinancing a loan with Republic Finance involve?
Refinancing replaces your existing loan with a new loan that may have different interest rates, terms, or repayment timelines, including your remaining balance and fees.
How quickly can I get funds after loan approval at Republic Finance?
Funds are deposited within 1-2 business days for electronic funding, or the same day if closing at a physical Republic Finance office.
What is the maximum loan amount I can pre-qualify for online with Republic Finance?
The maximum online pre-qualification loan amount is $10,000, subject to factors like your state of residence and income.
What happens if I miss a payment at Republic Finance?
Late payments may incur a late charge; you should contact your local branch or review your loan documents for details.
What nearby medical facilities can I visit near Republic Finance in Fort Payne?
Nearby medical facilities include Fort Payne Pediatrics, AllerVie Health - Fort Payne, Faith Medical Clinic, and Northeast Orthopedics, offering pediatric, allergy, and physical therapy services.
Are there convenient shopping or service locations near Republic Finance?
Yes, nearby stores include RadioShack for electronics, Mattress Planet for furniture, Sally Beauty for beauty supplies, and GameStop for video games.
What dining options are available near Republic Finance in Fort Payne?
Nearby dining options include Chick-fil-A at Fort Payne, Ryan's American restaurant, and Los Arcos Mexican restaurant for a variety of meals.