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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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- ASAlyce SmithAug 29, 20255.0You listen, explain, act on request quickly and accommodate online.
- MWMike WanzerJun 9, 20255.0Great people very helpful take the time to explain everything to you keep up the good work
- GBGeto BoyNov 12, 20245.0A few years ago,I recieved a "live check" from this company..For whatever reason, I looked over the terms and decided to deposit the check..I have no complaints whatsoever.Yes the interest is a bit higher than your regular bank but that's how finance companies work.. I have paid each payment back on time and again my entire experience with them has been great!
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 type of loans does Republic Finance offer?
Republic Finance offers a variety of personal loans including bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How does pre-qualifying for a loan differ from applying?
Pre-qualification provides an estimate of loan terms you might qualify for based on credit and information provided, while final approval and terms require completing a full loan application.
Are the loan checks sent by mail from Republic Finance real?
Yes, loan checks are real and represent pre-approved loan offers from Republic Finance.
What is the difference between interest rate and APR?
The interest rate is the cost percentage charged for borrowing money, excluding fees. APR includes the interest rate plus any fees like origination or closing fees, generally resulting in a higher percentage.
What does it mean to refinance a loan at Republic Finance?
Refinancing replaces your existing loan with a new one potentially having a different interest rate, terms, or repayment timeline, including the balance and any applicable fees.
How quickly can I receive funds after loan approval?
Funds are deposited electronically within 1-2 business days if qualified for electronic funding, or immediately via paper check at a Republic Finance office location.
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 approvals depend on factors like state of residence and income.
What happens if I miss a payment on my Republic Finance loan?
Missing a payment may result in a late charge. Details including amount can be found by contacting your local branch or in your loan documents.
What nearby places can I visit around Republic Finance in Durham, NC?
Near Republic Finance, you can visit places like Kroger supermarket, Dance Theatre South for performances and fitness, and Arrichion Hot Yoga studio. These locations offer convenient options for shopping, entertainment, and wellness before or after your visit.
Are there dining options near Republic Finance in Durham?
Yes, nearby dining options include Kinya Ramen Durham, The Melting Pot of Durham, ZENSHI Handcrafted Sushi, and Orient Garden, offering Japanese, fondue, sushi, and Chinese cuisines respectively, perfect for a meal after your visit.
How can nearby services like Starbucks or Western Union complement my visit to Republic Finance?
Starbucks nearby offers coffee and light refreshments, ideal for a quick break, while Western Union provides money transfer services, useful for handling additional financial needs during your visit to Republic Finance.