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.
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- Onsite servicesAvailable
Location
Hours
Reviews
3.0
7 reviews
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- AWAriel WolfeSep 18, 20251.0My husband and I financed about 4k through them at the end of 2022.. the interest rate was insanely high..anyways be lost a job and so we couldnt pay for a few months and it went to collection..all fine we owe it.. but once garnishment happend. They finished with what we owed and we thought we were in the clear to get our title back because they stopped taken it out and the amount was paid off .we call back two months later when we did get our title and they said we own more interest at this rate we've paid 10k on the 4k loan..now they are graishing for a second time..this place is an insane rip off..DONT GO HERE AT ALL!!
- SHSHIRLEY HUDSONMay 3, 20231.0I thought they were pretty good and have been dealing with them over the years but these last two times they have over charged me and charged me a arm and leg with a 744 score credit that not fair I call Travis several times about the issues and they still didn’t try to work with me to take it down and something need to be done about that and what they paid out for me were under 9000.00 dollar and they got me paid back 28420.06 that mess up and that a rip-off they need to be shut down loans that doing that!
- PIPauline IngramMay 7, 20154.0Very helpful, on getting money you need.
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 personal loans including bill consolidation, home improvement, vacation, car purchase, car repair, and other unplanned expenses loans.
What is the difference between pre-qualifying for a loan and applying for one at Republic Finance?
Pre-qualification gives an estimate of loan terms you may qualify for based on your credit and information provided. Final approval and loan terms require completing a full application.
Are loan checks received by mail from Republic Finance real?
Yes, loan checks are pre-approved loan offers sent by Republic Finance.
How does the interest rate differ from the APR on a Republic Finance loan?
The interest rate is the cost percentage to borrow money excluding fees. APR includes the interest rate plus fees like origination, documentation, and finance charges, typically making it higher.
What does it mean to refinance a loan with Republic Finance?
Refinancing replaces an existing loan with a new one potentially with new rates, terms, or repayment timelines, including remaining balances and possible fees.
How long does it take to receive funds from Republic Finance?
Funds are deposited in your bank within 1-2 business days with electronic funding, or you get a paper check the same day when closing at a Republic Finance office.
What are Republic Finance's operating hours?
Republic Finance in Olive Branch is open Monday, Wednesday, Thursday, and Friday from 8:00 AM to 5:00 PM, Tuesday from 8:00 AM to 7:00 PM, and closed on Saturdays and Sundays.
What is the maximum loan amount you can pre-qualify for at Republic Finance online?
The largest loan amount you can pre-qualify for online is $10,000, subject to factors like state of residence and income.
What should I do if I miss a payment with Republic Finance?
You may be charged a late fee. Contact your local branch or check your loan documents for details about late charges.
What nearby places can I visit around Republic Finance in Olive Branch?
Nearby you can visit Johnny Brusco's New York Style Pizza for a meal, Maci’s Nails for beauty services, and Moore’s Financial Group for life insurance advice.
How can nearby financial services like OneMain Financial and Moore’s Financial Group complement my experience at Republic Finance?
OneMain Financial offers installment loans and investment services while Moore’s Financial Group specializes in life insurance, providing broader financial support options near Republic Finance.
Are there convenient places for food and shopping near Republic Finance in Olive Branch?
Yes, you can enjoy dining at Mis Pueblos Mexican Restaurant or Freddy's Frozen Custard & Steakburgers, and shop at Dollar Tree or The Vinyl Room nearby.