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
2.4
7 reviews
5 stars
2
4 stars0
3 stars
1
2 stars0
1 star
4
- BSBilly SmithSep 30, 20255.0Very friendly personal each and everyone, thanks, and a very special thank you to MS. McCullum, I appreciate you.
- SSSharon SmithFeb 6, 20251.0They pull my payment from the wrong bank account which I had fixed a year ago. Now with this new manager they messed up big time. They were acting like it was my fought when I told them because of their screw up. This caused me money at my other bank and they don’t want to straighten it up for me
- CKC KeyesAug 31, 20223.0Courtney and the ladies at the Laurel office have always been very nice and helpful,l would have given 5 stars if it weren't for the interest rate policy, my credit score is above average and rate I received is on the high and that doesn't sit well with me!!!
- GBGermecca BoltonNov 11, 20211.0If I could have given zero stars I would have given zero stars. These people are very unprofessional and they’re very rude when you get on the phone with them they are not able to understand their mistakes they make and tell you that it’s all your fault because it’s “your account”. They need to be shut down indefinitely. I will never do business here again. Please do not waste your time with these people and their games they play!
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 financial services does Republic Finance offer?
Republic Finance provides personal loans for various needs such as bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How does pre-qualification for a loan differ from applying for a loan at Republic Finance?
Pre-qualification gives you an estimate of loan terms based on your credit and information provided. Final approval and terms depend on completing a full loan application.
Is a loan check from Republic Finance a real loan?
Yes, a loan check is a pre-approved loan offer and is a real loan check.
What is the difference between the interest rate and the APR on a loan?
The interest rate is the cost percentage for borrowing money and does not include fees. The APR includes interest plus any fees like origination or closing fees, usually making it higher than the interest rate.
What does it mean to refinance a loan with Republic Finance?
Refinancing replaces your existing loan with a new one that may have a different interest rate, terms, and repayment timeline, including the remaining balance and any fees.
How quickly can I receive funds after approval from 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 as a paper check.
What is the maximum loan amount I can pre-qualify for online at Republic Finance?
The largest loan amount you can pre-qualify for online is $10,000, though actual approvals depend on factors like residence and income.
What happens if I miss a payment on my Republic Finance loan?
Missing a payment may result in a late charge. You should contact your local branch or review your loan documents for details on late charges.
What nearby businesses can I visit around Republic Finance in Laurel, MS?
Nearby businesses include CT Beauty Supply for beauty products, Alfa Insurance - Chase Kervin Agency for insurance needs, and Sweet Magnolia's Bakery Cafe for dining.
How can nearby places like FedEx and Office Depot help me when visiting Republic Finance?
You can use FedEx for shipping or mailing documents related to your loan, and Office Depot provides printing and business services useful for your loan paperwork or personal needs.
Are there dining options near Republic Finance in Laurel, MS for after my visit?
Yes, nearby dining options include Sweet Magnolia's Bakery Cafe for baked goods and casual dining, Hibachi Express for Japanese cuisine, and Firehouse Subs for sandwiches.