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
3.3
18 reviews
5 stars
10
4 stars0
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2 stars
1
1 star
7
- TPTim PanockAug 1, 20255.0friendly office staff and liked the idea of being sent a check that all i had to do was deposit it and i had a loan with easy low payments like the idea of not having to go through the process of filling out all that paperwork
- JKJon KYJun 12, 20255.0I've had nothing but positive experiences with them. Yes, interest rates are ridiculous... But when you need money and you have a good track record with them - they've pulled us out of some really rough times and I appreciate them for it, Nick especially🤘
- BCByron CopelandJan 17, 20255.0Just awesome
- DFDean FordDec 18, 20201.0I've been a customer for 2 years plus. I've always paid within the month I'm due, with the exception of November 2020. I'm paying 2 payments in December and they still want to charge me an extra $50 to keep it from going legal (on top of late fees). During 2020 this is bad PR. I work in a similar business and I'm proud to say we don't treat our customers this way. I will pay this off with no hard feelings, but I won't recommend doing business with them.
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 type of financial services does Republic Finance offer?
Republic Finance offers personal loans for various needs including bill consolidation, home improvements, vacations, car purchases, and emergency expenses.
How does pre-qualification for a loan at Republic Finance differ from a full loan application?
Pre-qualification provides an estimate of loan terms based on credit and information provided, while final approval requires a complete loan application with official terms confirmed.
Is the loan check I received in the mail from Republic Finance valid?
Yes, loan checks are pre-approved loan offers and are valid.
What is the difference between an interest rate and APR on a Republic Finance loan?
The interest rate is the percentage charged on the borrowed amount, while the APR includes the interest rate plus additional fees like origination and documentation fees, representing the total loan cost.
What does refinancing a loan at Republic Finance involve?
Refinancing replaces your current loan with a new one that may have updated interest rates, terms, or repayment timelines, including your existing balance and any fees or insurance products.
How quickly can I receive funds after loan approval at Republic Finance?
If you qualify for electronic funding, funds are deposited in 1-2 business days; in-person loan closings provide funds the same day via paper check.
What is the maximum loan amount available online at Republic Finance?
You can pre-qualify for loans up to $10,000 online with Republic Finance, though approval depends on factors like state and income.
What happens if I miss a payment on my Republic Finance loan?
Late payments may incur fees; details can be obtained by contacting your local branch or reviewing loan documents.
What are the business hours for Republic Finance in Bowling Green, KY?
The office is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and major holidays like Thanksgiving and Christmas.
What points of interest are near Republic Finance in Bowling Green, KY that customers might find useful?
Nearby places include STACK'D Supplements for health needs, Prim and Brim for clothing and hats, and Osaka Restaurant for dining options. Customers can visit these locations before or after their loan appointments.
Are there other financial or loan agencies near Republic Finance in Bowling Green, KY?
Yes, Mariner Finance is nearby providing financial services and installment loans, which might be an alternative for customers.
What nearby services can complement a visit to Republic Finance in Bowling Green, KY?
Nearby services include Affordable Dentures and Implants for dental care, Heltsley Professional Eye Care for optical needs, and Adecco Staffing for employment services, useful for customers managing personal and financial health.