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
3.6
12 reviews
5 stars
7
4 stars
1
3 stars0
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1 star
4
- JLJanet LandryOct 1, 20255.0I had excellent service, was very happy that they helped me out and was very friendly, knowledgeable, communicate very well, very understandable.
- DSDanny SimpsonAug 3, 20255.0very friendly staff! I have been doing business with them for years and they treat me that way. Always greet me with my name. Great team!
- LTLy TruongSep 28, 20234.0Good service,,outstanding
- LELaura EasleyFeb 26, 20211.0My mom have experienced the same rude customer experience from the staff and manager name Charity. She is afraid to call back due to the threats that was made in December. I would love to speak to the district manager that is over the Lake Charles Louisiana Branch..
- NPNatalie PuckettFeb 18, 20201.0Worst customer service experience I've ever dealt with. When you set up payment dates they call and bug you knowing you've already stated a date for the payment. Yes I know it's a loan, but I don't need to be called 20x a day to be reminded of the loan. The collections agent had the balls to try and argue with me about when to make a payment. Sorry money doesn't fall from trees and I can't pay you every day you call!
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 a variety of personal loans including bill consolidation, home improvement, vacation, auto refinancing, emergency, holiday, and K-12 school loans.
How long does it take to receive funds after loan approval?
If you qualify for electronic funding, funds will be deposited within 1-2 business days. If you close your loan in person at a Republic Finance office, you will receive a paper check the same day.
What is the difference between interest rate and APR at Republic Finance?
The interest rate is the cost to borrow money expressed as a percentage of the loan amount, not including fees. APR includes the interest rate plus any fees such as origination or documentation fees, also expressed as a percentage.
What should I do if I miss a payment on my Republic Finance loan?
If you miss a payment, you may be charged a late fee. You should contact your local Republic Finance branch or review your loan documents for specific details on late charges.
What are the business hours for Republic Finance in Lake Charles, LA?
The Lake Charles location at 1700 E. Prien Lake Road is open Monday through Friday from 8:00 AM to 5:00 PM. It is closed on Saturdays, Sundays, and certain holidays such as Thanksgiving and Christmas.
How does pre-qualifying for a loan at Republic Finance work?
Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and provided information. Final loan approval and terms require completing a full loan application.
Can I refinance my existing loan at Republic Finance?
Yes, refinancing replaces your current loan with a new one that may have revised interest rates, terms, or repayment schedules.
What nearby financial services are located near Republic Finance in Lake Charles?
Nearby financial services include Edward Jones - Financial Advisor: Trina N Duhon and Lake Charles Financial Services, which provide additional financial advice and loan options.
What nearby insurance agencies can be found close to Republic Finance’s Lake Charles location?
Tuwanna Guillory-August: Allstate Insurance and Allstate Insurance Agent: Tuwanna Guillory-August are nearby insurance agencies for customers seeking insurance services.
Are there any nearby leisure or event venues customers might visit before or after visiting Republic Finance?
A Place at the Table, an event planning and concert venue, and several cigar lounges such as Cigar Club and LE07 Cigars are nearby options for relaxation or entertainment around your visit.