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
4.6
8 reviews
5 stars
7
4 stars0
3 stars0
2 stars
1
1 star0
- RHRoy HartleNov 1, 20255.0Friendly people and easy process!
- GAGerald AshlockOct 30, 20255.0They offered what I needed at the time I needed it. They were willing to help without a lot of hassle to make things happen.
- DSDoyle SappingtonOct 2, 20255.0Overall, the staff are extremely professional, courteous, friendly. They go out of their way to get you the loan you want and affordable. The team are always in a joyful mood, appreciate the opportunity to help us.
- SRSean Kim RuddOct 22, 20245.0Great service. Friendly staff.
- RWRhonda WilsonAug 11, 20225.0Great atmosphere, very friendly staff, very clean inside and out
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 services does Republic Finance offer?
Republic Finance offers personal loans including bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
What is the difference between pre-qualifying and applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and information provided, while applying involves submitting a full loan application for final approval and terms.
How quickly can I get loan funds after approval at Republic Finance?
If you qualify for electronic funding, funds are deposited within 1-2 business days; at a physical office, you receive funds the same day via paper check.
What are the operating hours of the Republic Finance office in Cape Girardeau, MO?
The office is open Monday through Friday from 8:00 AM to 5:00 PM and is closed on Saturdays and Sundays, as well as certain holidays.
What is the maximum loan amount I can apply for online at Republic Finance?
The largest loan you can pre-qualify for online is $10,000, although actual approval amounts depend on factors like residence and income.
What happens if I miss a payment on my Republic Finance loan?
You may be charged a late fee; contact your local branch or review your loan documents for specific late charge details.
Where is the Republic Finance office located in Cape Girardeau?
The office is located at 2520 William Street, Cape Girardeau, MO 63703.
What nearby places can I visit when I come to Republic Finance at William Street?
Nearby places include Papa Murphy's for pizza, Encore Dance Academy for dance and recreation, and SNAP Fitness if you're looking to work out before or after your visit.
Are there nearby financial or insurance services close to Republic Finance?
Yes, several Missouri Farm Bureau Insurance agencies like Richard Harrison and Jody Underwood are nearby, as well as Edward Jones financial advisors.
What other local services can visitors access near Republic Finance in Cape Girardeau?
Nearby services include health providers like Beltone Hearing Aid Service, Williams Stan DDS dentist, and wellness centers such as The Center for Massage Therapy & Sound Healing.