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
4.3
6 reviews
5 stars
5
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1 star
1
- DHDebora HumphriesDec 25, 20255.0I took a loan out from Republican Finance on a three year term, it was super easy to apply, get the money I needed and make all of my payments online. I highly recommend this company!
- RBRhonda Lewis (Babygirl)Jul 10, 20225.0I have had great experience with Republic Finance...Their Customer service skills are impeccable! They were there when I needed them most.The staff is friendly, I will continue to go to them for my needs. Excellent service
- CSChristian SmithJan 18, 20195.0Republic Finance is a gift from God
- MDMarcus DunnSep 5, 20171.0Don't bother. Go elsewhere
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 various personal loans including auto-secured, bill consolidation, emergency, holiday, home improvement, K-12 school, vacation, and general personal loans.
How long does it take to receive funds after loan approval at Republic Finance?
If you qualify for electronic funding, funds are deposited within 1-2 business days. For in-office loan closings, funds are available the same day in the form of a paper check.
What are the business hours for Republic Finance in Ruston, LA?
Republic Finance is open Monday through Friday from 8:00 AM to 5:00 PM and is closed on weekends and on holidays like Thanksgiving and Christmas.
What is the difference between pre-qualifying for a loan and applying for one at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and information provided. Final approval and exact loan terms require completing a full loan application.
Can I refinance my existing loan with Republic Finance?
Yes. Refinancing replaces your existing loan with a new one that may have different interest rates, terms, and repayment timelines.
What are the potential consequences if I miss a loan payment?
Missing a payment may result in late charges. For specific details, contact your local branch or refer to your loan documents.
Where is Republic Finance located in Ruston, LA?
Republic Finance is located at 1412 Farmerville Hwy, Ste 5, Ruston, LA 71270.
What nearby financial services can I visit when at Republic Finance in Ruston?
Nearby financial services include World Finance, Advance America, and Western Union, which offer installment loans, financial services, and money transfer services, respectively.
Are there any nearby places to get beauty or spa services near Republic Finance in Ruston?
Yes, nearby places include Happy Nails & Spa, Talk of the Town Hair Care Center, Cuttin Up, Gallery Salon, Bella Alle'e Salon, and Alle-E Bella for various beauty and spa services.
What local dining options are near Republic Finance in Ruston?
Waffle House is a nearby restaurant and diner where you can enjoy breakfast or brunch before or after visiting Republic Finance.