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
4.3
12 reviews
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10
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2
- BWButch WalkerJun 5, 20255.0This is my favorite loan companies that I've dealt with in the past 20 years. Never a problem with the staff. Always friendly and caring. Hoping to be a customer for years to come.
- VHVelma HughesOct 24, 20245.0Excellent customer service, understanding, helpful and caring!
- DFDarris FieldsJun 27, 20245.0They lend ya money .. You pay them back in-store or online .. Easy online app.
- JGJames GallowayAug 29, 20215.0Great place to get a loan. They will refinance your car and the payment is usually cheaper.
- DADianne AgostiniDec 24, 20195.0We've worked with Republic Finance on O'Neil Court for several years. Everyone there has always been very friendly & professional.
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 various personal loans including Bill Consolidation, Home Improvement, Vacation, Car Purchase, Car Repair, and other unplanned expense loans.
How can I get an estimate of loan terms before applying?
You can pre-qualify for a loan to get an estimate of loan terms based on your credit and provided information; final approval requires a full application.
Is the loan check I received in the mail from Republic Finance real?
Yes, the loan check is a real pre-approved loan offer from Republic Finance.
What is the difference between interest rate and APR?
The interest rate is the cost percentage for borrowing money excluding fees, while APR includes the interest rate plus fees like origination and documentation charges, expressed as a percentage.
What does refinancing a loan mean at Republic Finance?
Refinancing replaces your existing loan with a new one potentially having a different interest rate, terms, and repayment timeline, including your remaining balance and any applicable fees.
How quickly can I receive funds from Republic Finance?
If qualified for electronic funding, funds are deposited within 1-2 business days. In-office loan closings provide the funds the same day as a paper check.
What are the operating hours of Republic Finance in Columbia, SC?
The Columbia, SC location is open Monday through Friday from 8:30 AM to 5:30 PM and closed on Saturdays and Sundays.
Where is Republic Finance located in Columbia, SC?
Republic Finance is located at 224 O'Neil Court, Suite 16, Columbia, SC 29223.
What nearby places can I visit when I come to Republic Finance on O'Neil Court?
Visitors can enjoy nearby spots such as Barcode Columbia for dining and drinks, Columbia Family Chiropractic for wellness services, and Mrs. Jenkins Dance Academy for recreation.
How can nearby transit and government services help me when visiting Republic Finance?
The South Carolina Department of Motor Vehicles and Columbia DMV are nearby, making it convenient to handle vehicle-related tasks before or after visiting Republic Finance.
Are there convenient printing and shipping services near Republic Finance?
Yes, FedEx Office Print & Ship Center and American Speedy Printing Centers are nearby, ideal for handling printing or shipping needs around your loan business visits.