Business Details
About
Loan AgencyInvestment ServiceRepublic Finance
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
4.5
11 reviews
5 stars
8
4 stars
2
3 stars0
2 stars0
1 star
1
- MBMelanie BrooksNov 17, 20255.0The entire staff was amazing and my loan officer Shanecia was wonderful. I wish they had a location in Cumming, Georgia. They always call me and let me know when I can borrow more money.
- EBElizabeth BurdettJun 4, 20255.0They were phenomenal in getting my money approved. The only downside was I had to travel to Gainesville to get it.
- VHVirginia hernandezSep 5, 20171.0I called Friday around noon to apply for an additional loan. I was assured i would d get a call back in 3 hours. I never gotta call back. Being the holiday weekend I had to wait til today, Tuesday to call. And of course, my application had been sitting without even being touched b3fore the end of the day. BS I've been a customer for 2 years and Paid my payments on time. Paid off 2 times. And you gonna tell me the manager is too busy to ask what happened to my application.
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 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 the loan terms you may qualify for based on your credit and information provided, while final approval requires completion of a full loan application.
Is a loan check received in the mail from Republic Finance legitimate?
Yes, the loan check is a real pre-approved loan offer from Republic Finance.
What is the difference between the interest rate and the APR on a loan?
The interest rate is the cost to borrow money excluding fees, while the APR includes the interest rate plus any additional fees, expressed as a percentage.
What does refinancing a loan mean at Republic Finance?
Refinancing replaces your existing loan with a new one that may have a different interest rate, terms, and repayment timeline, covering the remaining balance and any agreed-upon fees or insurance.
How quickly can I get funds after being approved for a loan?
Electronic funding deposits funds within 1-2 business days; loans closed in person provide same-day funds via paper check.
What is the maximum loan amount I can pre-qualify for online at Republic Finance?
You can pre-qualify for loans up to $10,000 online, though the final loan amount depends on factors like residence and income.
What happens if I miss a loan payment?
Late payments may incur a late charge; contact your local branch or check your loan documents for specific details.
What are the business hours of Republic Finance in Gainesville, GA?
Republic Finance is open Monday through Friday from 8:30 AM to 5:30 PM and closed on Saturdays, Sundays, and specified holidays.
What nearby places can I visit before or after my visit to Republic Finance?
Nearby places include The Gift Box for flowers and gifts, El Patron Family Mexican Restaurant for authentic Mexican cuisine, and Solara Sol Nail & Spa for beauty and nail services, which customers might enjoy when visiting the area.