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
4.1
13 reviews
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3
- ISIesha SingletonSep 2, 20221.0Ever since Brian and Barbara left this location it is NOT the same ! They were so helpful and understanding when things happen!! I’ve been coming here for several years and this is the first time I felt like I should have never came back. Stay away from this company if you can they do NOT work with you if you need them too. Sad part about it is this is my first time needing them to work with me and they can’t.
- CBCarrie Browning-PerezFeb 26, 20201.0Never again! I have taken out several loans from Republic, and every single time I've been rushed to sign through the paperwork. Thanks to my Husband, I just discovered that for years they have been royally screwing me at the tune of adding thousands of dollars in fees to the loan, in addition to the interest charges. Just yesterday they presented me with a new loan to which they had added $3600 in fees, in addition to the interest charges, over a period of 36 months. Stay clear of Republic; they got me good a few times, but never again!
- LRL RODIDec 19, 20181.0Brian Williams is a horrible manager. During my loan, he did not uphold the protection plan regarding inability to work. I had a neck surgery, a disc ruptured and it was emergent. He negelcted to invoke this protection when I notified him, and told me he did not need the paperwork. He specifically told me in August to pay as I could when I could and the account would be delinquent in status. Now, before Christmas, he has filed court documents. He still has not notified me of my rights regarding injury and inability to work for 4 months. Finally, I had been rear ended by a school bus that never stopped on September 10th. This also set me back yet quite a bit again. In short, do not trust this manager, this organization, their word on paper or out of their mouths. I had used them several time before when needed as a single mom with zero support and paid my bill completely (*no unexpected health conditions). With health conditions now, they breach their own contract and deny you the rights of the contract. The BBB complaint is filed. I plan on notifying anyone possible about their business tactics.
- PAPatrice AckermanNov 20, 20175.0Great people always willing to help and very friendly.
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.
How is pre-qualification different from applying for a loan at Republic Finance?
Pre-qualification gives an estimate of loan terms you may qualify for based on your credit and information provided, while final approval depends on completing a full loan application.
Is the loan check I received in the mail from Republic Finance real?
Yes, it is a real pre-approved loan offer check from Republic Finance.
What is the difference between the interest rate and APR on a loan?
The interest rate is the cost charged for borrowing money, excluding fees, while APR includes both the interest rate and fees such as origination and closing fees, making it typically higher.
What does refinancing a loan with Republic Finance mean?
Refinancing replaces your existing loan with a new loan that may have a new interest rate, revised terms, and repayment timeline, including remaining balances and fees.
How long does it take to receive loan funds from Republic Finance?
Funds are deposited electronically within 1-2 business days if you qualify; if closing at the office, you receive funds the same day via paper check.
What is the maximum loan amount I can apply for online at Republic Finance?
The largest loan amount you can pre-qualify for online is $10,000, though approval size depends on factors like state residence and income.
What happens if I miss a payment on my Republic Finance loan?
Missing a payment may result in a late charge; contact your local branch or check your loan documents for specific details.
What nearby financial services are near Republic Finance on Orleans Road?
Nearby financial services include 1st Heritage Credit and First Heritage Credit banks, which can offer additional banking or loan options to customers visiting Republic Finance.
Are there beauty and wellness service places near Republic Finance in Charleston?
Yes, multiple beauty salons and spas like Nail Art, Carolina Waxing by Sheila, Sally Beauty, and Hana's Hair Salon are nearby, making it convenient to combine financial visits with personal care appointments.
What shopping options are located near Republic Finance at 946 Orleans Road?
Nearby shopping options include Ross Dress for Less, Party City, Dollar Tree, and West Ashley Shoppes, offering a variety of retail and discount stores accessible when visiting Republic Finance.