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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.
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- Onsite servicesAvailable
Location
Hours
Reviews
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- DSDenise StanburryFeb 10, 20252.0Worker just following policy. Company the worsted those good reviews are workers. 1600 loan interest 2500. Go to Opp loan much cheaper
- CWCherie WeirDec 11, 20245.0Whenever we had a financial need the associates helped us understand and went above and beyond to help us each time. Great place to work with.
- EWEric WoodworthAug 30, 20231.0Without any direct notification during pandemic took a loan out and now garnishing 25 percent of my paycheck until paid in full. I would have worked out a monthly payment but never given the opportunity. Terrible business not here for the people
- DGDSSD GamingJan 29, 20231.0Don't use Republic Finance! They are a scam!
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 personal loans does Republic Finance offer?
Republic Finance provides various personal loans including bill consolidation, home improvements, vacations, car purchases, car repairs, and emergency expenses.
How is pre-qualifying for a loan different from applying?
Pre-qualification estimates potential loan terms based on your credit and information you provide, while final approval depends on completing a full loan application.
How quickly can I receive funds after loan approval?
With electronic funding, funds are deposited within 1-2 business days; loans closed in the office receive a paper check the same day.
What does refinancing a loan at Republic Finance involve?
Refinancing replaces your existing loan with a new one that may have different interest rates, terms, or repayment timeline, including remaining balances and fees.
What are Republic Finance's operating hours?
The office is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and holidays like Thanksgiving and Christmas.
What is the maximum loan amount I can pre-qualify for online?
You can pre-qualify online for a loan amount up to $10,000, though final approval depends on various factors.
What should I expect if I miss a payment?
Late payments may incur a late charge; details are available through your local branch or loan documents.
What nearby real estate services can I access when visiting Republic Finance?
True Roots Realty Group and Kyle Reis Realty are nearby real estate agents you can visit for home buying or selling assistance in Saint Peters, MO.
Are there convenient locations for hair and beauty services near Republic Finance?
Yes, clients can visit Great Clips for haircuts and DuMa' Nail Studio or Killernailco for nail services close to Republic Finance.
Where can customers find pharmacies and medical services near Republic Finance?
Excel Pharmacy and Walgreens are nearby pharmacies; Elite Sports and Spine Chiropractic offers health and medical services close to the location.