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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
3.9
7 reviews
5 stars
5
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1 star
2
- RRRonald RicksNov 7, 20255.0Great job to the whole staff Keep up with good work to meet the public financial needs
- CWCharles WesleyOct 8, 20255.0Great folks!
- LWLawrence WadeAug 8, 20255.0Jalen Banks and the staff of Republic Finance are remarkable and provided the upmost professionalism to help the needs of their clients. I am grateful for their assistance.
- JDJohn DoeMar 22, 20241.0And Jesus went into the temple of God, and cast out all them that sold and bought in the temple, and overthrew the tables of the moneychangers, and the seats of them that sold doves Matthew 21:12
- NBNathan BarnesJan 31, 20241.0I do not consent to loan solicitations in the form of real checks being mailed to me in my name. A loan check for $3507.19 at an APR of 33.86% with the total of payments being $5250 is the very definition of usury. Repent
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 for bill consolidation, home improvements, vacations, car purchases and repairs, and other unplanned expenses.
How does pre-qualification for a loan at Republic Finance work?
Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information provided. Final approval requires a full loan application.
Is the loan check I received from Republic Finance legitimate?
Yes, a loan check is a pre-approved loan offer and is a real check from Republic Finance.
What is the difference between interest rate and APR when taking a loan?
Interest rate is the cost solely for borrowing money, while APR includes the interest rate plus fees such as origination and documentation fees, expressed as a percentage rate.
What does refinancing a loan at Republic Finance mean?
Refinancing replaces your existing loan with a new one that may have a different interest rate, terms, or repayment timeline, including the balance of the former loan.
How quickly can I receive loan funds from Republic Finance?
If you qualify for electronic funding, you'll receive funds in 1-2 business days. Closing a loan at the office provides same-day funding with a paper check.
What is the maximum loan amount I can pre-qualify for online at Republic Finance?
You can pre-qualify for an online loan of up to $10,000, though final loan amount depends on factors like state and income.
What happens if I miss a payment on my Republic Finance loan?
Missing a payment may result in late charges. Contact your local branch or check your loan documents for specific details.
Are there any convenience stores near Republic Finance that could be helpful during my visit?
Yes, Public Mini Mart is a nearby convenience store where you can quickly buy essentials before or after your visit to Republic Finance.
What local restaurants are near Republic Finance for dining options?
Nearby restaurants include Kadhai The Indian Wok for Asian fusion cuisine, Gino's Pizza for Italian food, and Kadhai for quick Indian meals, ideal for grabbing a bite before or after your appointment.
Are there beauty salons close to Republic Finance if I want to combine errands?
Yes, several beauty salons are nearby including Raleigh Mane Company, Samantha Pierce Hair Design, and Diva Weave Salon, making it convenient to visit for styling or treatments when you come to Republic Finance.