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
3.7
10 reviews
5 stars
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4 stars
1
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1 star
3
- MBMichael BaldisMay 26, 20255.0Great people to deal with and help you stay ontrack
- MWMarilyn WhittonApr 30, 20255.0Friendly, courteous and professional staff.
- WWWykeitha WilliamsDec 24, 20245.0Excellent staff and very professional they explained everything to you
- TSTammy SmithNov 6, 20245.0I enjoyed the friendly environment
- RRRick RhodesSep 20, 20231.0If you're considering this company, don't. They have horrible business ethics. Tell you they're going to work on something to help you out and call you back then just repo your truck in the middle of the night. Not upset about the repo, I understand that but the way it was handled is not the way to do business. Stay far away! Would give zero stars if it was possible.
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 improvements, vacations, car purchases and repairs, and other unplanned expenses.
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 provided. Final approval depends on completing a full loan application.
Is the loan check I received in the mail from Republic Finance genuine?
Yes, the loan check is a real, pre-approved loan offer.
What is the difference between the interest rate and APR on Republic Finance loans?
Interest rate is the cost of borrowing money excluding fees, while APR includes the interest rate plus fees like origination and documentation fees, expressed as a percentage.
What does refinancing a loan at Republic Finance mean?
Refinancing replaces your existing loan with a new one potentially having a new interest rate, terms, and repayment timeline covering remaining balance and fees.
How quickly can I get my funds from Republic Finance after loan approval?
With electronic funding, funds are deposited within 1-2 business days. In-person loan closings provide funds the same day via paper check.
What is the maximum loan amount I can pre-qualify for online at Republic Finance?
The largest online pre-qualification loan amount is $10,000, though actual approval depends on factors like residence and income.
What are the working hours of Republic Finance in Gardendale, AL?
The Gardendale location is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and holidays such as Thanksgiving and Christmas.
Are there any supermarkets near Republic Finance in Gardendale where I can shop?
Yes, Publix Super Market at Magnolia City Place is nearby for grocery shopping and pharmacy needs, convenient before or after your visit to Republic Finance.
Which restaurants are located close to Republic Finance in Gardendale for a convenient meal?
Nearby restaurants include Milo's Hamburgers, Arby's, Subway, Papa Murphy's, KFC, and Pizza Hut, offering a variety of dining options before or after your visit.
What other financial services are available near Republic Finance in Gardendale?
Nearby financial services include H&R Block for tax help, Wells Fargo Bank for banking and ATMs, and Western Union for money transfers, providing convenient options for your financial needs.