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.
Location
Hours
Reviews
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- LHLori HillNov 11, 20251.0Only gave them one star because zero was not an option. This is the worst Finance company/customer service to ever deal with. Do not do business with this company. You will regret it.
- CGCliff GoodwinAug 8, 20254.0Easy approval
- KMKellie MartinJan 6, 20255.0Quick approval process, Great customer service, easy to maintain online account, no penalty for paying early.
- SHS&L HouseJan 1, 20251.0The APP IS TRASH. It rejects passwords that actually are my password. I have to always call in to make my payment. It’s absolutely annoying
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 to help with personal financial needs?
Republic Finance provides 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 differ from a full loan application?
Pre-qualification gives an estimate of loan terms based on provided information, while final approval requires completing a full loan application.
What should I know about loan checks sent by Republic Finance?
Loan checks are pre-approved loan offers and are genuine. More information is available on their website.
Can you explain the difference between interest rate and APR on Republic Finance loans?
The interest rate covers just the cost to borrow money, while APR includes the interest rate plus additional fees like origination and documentation fees, typically making APR higher.
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 timelines, and includes your remaining balance plus applicable fees.
How quickly can I receive loan funds after approval at Republic Finance?
If electronically funded, money is deposited within 1-2 business days; if in-office, funds are given the same day via paper check.
What is the maximum loan amount I can pre-qualify for online with Republic Finance in Statesville, NC?
You can pre-qualify for up to $10,000 online, though actual loan size depends on factors like your state of residence and income.
What are the business hours of Republic Finance at 1550 E Broad St, Statesville, NC?
Republic Finance is open Monday through Friday from 8:30 AM to 5:30 PM and is closed on weekends and specified holidays.
Are there convenient nearby places to visit when going to Republic Finance in Statesville?
Yes, nearby are The UPS Store for printing and shipping needs, Total Wireless for mobile services, and several fast food options like Bojangles' and Burger King for dining before or after your visit.
How can visiting nearby financial services enhance my experience at Republic Finance?
Nearby services like Property Solutions, LLC and Wells Fargo ATM provide additional financial resources, and partnering locations like Mariner Finance offer auto loans, which may complement your loan experience at Republic Finance.