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
3.4
19 reviews
5 stars
9
4 stars
3
3 stars0
2 stars0
1 star
7
- SDStephanie DonahooFeb 21, 20255.0They are always very friendly and helpful when you talk to any of them. Great place.
- DKDeb KAug 23, 20245.0They have been so amazing these years I have been with them . They always explain everything in perfect detail and are always so kind. They always have been so helpful whenever I needed anything. They really are a bunch of great people.
- DCDavid CondonAug 17, 20201.0I have received a couple of unsolicited “pre-approved” loan letters from them, complete with a check to cash for the loan. I called the number to opt out of receiving these loan offers. In order to opt out, I needed to give them my SSN, date of birth, address, and had to spell out my first and last name. Even after that, I have to fill out a form to finalize the opt out process. Sending unsolicited checks like this should be illegal. My wife has had her identity stolen in the past: she had a common name and someone used her name to cash bad checks on her account. My name isn’t all that uncommon. Someone could steal my mail, see this check, and cash it in my place. What then? It shouldn’t be this cumbersome to opt out of this.
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 repair loans, among others.
How can I apply for a loan at Republic Finance?
You can pre-qualify online to get an estimate of your loan terms or apply in full for loan approval. Visit their website to start the process.
What is the difference between the interest rate and APR at Republic Finance?
The interest rate is the cost of borrowing money, excluding fees. APR includes the interest rate plus any fees like origination or closing fees, expressed as a percentage.
How long does it take to receive loan funds from Republic Finance?
If eligible for electronic funding, funds are deposited within 1-2 business days. Loans closed in-office result in same-day paper check disbursement.
What are the Republic Finance office hours in Owensboro, KY?
The office is open Monday to Friday from 8:30 AM to 5:30 PM and closed on weekends and certain holidays.
Where is Republic Finance located in Owensboro, KY?
Republic Finance is located at 1650 Starlite Drive, Suite E, Owensboro, KY 42301.
What should I do if I miss a payment at Republic Finance?
Missing a payment may result in late charges. Contact your local branch or review your loan documents for specific details.
Can I visit nearby places while visiting Republic Finance on Starlite Drive?
Yes, nearby places include Hong Kong Chinese Restaurant and Little Caesars Pizza for dining, and The Home Depot for home improvement needs.
Are there convenient stores or coffee shops near Republic Finance in Owensboro?
Yes, Kroger Fuel Center offers gas and a coffee shop, and Starbucks is nearby for coffee lovers.
What financial service providers are close to Republic Finance on Starlite Drive?
Nearby financial services include World Finance, H&R Block, and Check 'n Go for various financial and loan services.