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 experience. Helpful resources. Customer-centered. Nearly 370,000 customers. Flexible lending options.
Location
Hours
Reviews
5.0
5 reviews
5 stars
5
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- WMWendy MartinJul 23, 20255.0Everyone at the Castle Hayne branch is great! They are friendly, professional and compassionate.
- VRVeronica RussellJun 3, 20255.0The staff is very friendly, polite and professional as well as knowledgeable. They made the loan process quick and easy.
- CPClara PachonAug 20, 20245.0Stephanie es muy profesional, excelente es la mejor. GRACIAS STEPHANIE!!!!!!
- QJQueen JonesFeb 13, 20245.0They were very kind , professional and very honest. They told me what I would pay back , and it wasn’t any hidden costs . Getting the loan was quick and easy.
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 purchases and repairs, and emergency loans.
How can I pre-qualify for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and provided information, but final approval requires a full loan application.
Is the loan check I received in the mail from Republic Finance legitimate?
Yes, the loan check is a real, pre-approved loan offer from Republic Finance.
What is the difference between interest rate and APR at Republic Finance?
The interest rate is the cost percentage charged to borrow money, while APR includes the interest rate plus additional fees like origination and documentation fees, making APR typically higher.
What does refinancing a loan with Republic Finance involve?
Refinancing replaces an existing loan with a new one that may have new interest rates, terms, or repayment timelines, including your remaining balance and any agreed fees.
How quickly can I get funded after applying for a loan?
If you qualify for electronic funding, funds are deposited within 1-2 business days; in-person loans at a Republic Finance office provide funds the same day via paper check.
What are the operating hours of the Republic Finance Wilmington location?
The Wilmington office is open Monday through Friday, from 8:30 AM to 5:30 PM, and closed on weekends and certain holidays.
What should I do if I miss a loan payment at Republic Finance?
Missing a payment may incur a late fee; contact your local branch or refer to your loan documents for specific late charge details.
How can the nearby Enterprise Rent-A-Car assist Republic Finance customers?
Customers can conveniently rent vehicles from Enterprise Rent-A-Car near Republic Finance to facilitate transportation for loan appointments or related needs.
What nearby attractions can I visit when visiting Republic Finance in Wilmington?
After visiting Republic Finance, customers may enjoy nearby spots such as the Nineteen30 Venue for concerts or relax at local spots like Tipsy Goat Bottles and Taps bar.
Are there automotive services near Republic Finance for customers needing vehicle repairs?
Yes, nearby White's Tire Service and Archers Heavy Hauling and Diesel Repair provide tire and automotive repair services convenient for customers.