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.
Details
- Onsite servicesAvailable
Location
Hours
Reviews
3.5
17 reviews
5 stars
10
4 stars
1
3 stars0
2 stars0
1 star
6
- EBElaine BookerNov 6, 20255.0Friendly and professional
- TMTruckstress MomAug 6, 20255.0Friendly. Compassionate. Professional. Consistent.
- LMLavonia McdanielJul 24, 20255.0Tre’von Dreher really went out for me today on this loan didn’t think it was possible but but my almighty god made it possible. If there’s any one out there that need a loan he will help you to the fullest 🙏👏🏻🙌
- TTTiffany TaylorMar 27, 20221.0At least other loan companies will try to work with you when you have personal issues come up they don't.
- KMKelsey MeetzeMar 19, 20201.0If I could give a 0 star rating i would! I have received multiple calls from this establishment because someone put me down as a reference and i have repeatedly told this company to stop calling me and to take me off the reference list! I still get calls non-stop. Quit harassing people, if they don't answer the first time you call they obviously don't need anymore money, so then you call their reference list and harass them!! STOP!
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 expenses.
How does pre-qualification differ from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on credit and information submitted, while final approval depends on completing a full loan application.
If I received a loan check in the mail from Republic Finance, is it legitimate?
Yes, loan checks are pre-approved loan offers and are legitimate from Republic Finance.
What is the difference between the interest rate and APR on a Republic Finance loan?
The interest rate is the cost percentage for borrowing money, excluding fees. The APR includes the interest rate plus fees like origination and documentation fees, usually resulting in a higher percentage.
What does it mean to refinance my loan with Republic Finance?
Refinancing replaces your current loan with a new one potentially having a different interest rate, terms, and repayment timeline, including remaining balance and fees.
How quickly can I get my loan funds from Republic Finance?
If you qualify for electronic funding, funds are deposited within 1-2 business days. At a physical location, funds are available the same day as a paper check.
What are the operating hours of the Republic Finance location at 4760 Hardscrabble Road, Columbia, SC?
The branch is open Monday to Friday from 8:30 AM to 5:30 PM and is closed on Saturdays, Sundays, and major holidays like Thanksgiving and Christmas.
What happens if I miss a payment with Republic Finance?
Missing a payment may result in a late charge. Contact your local branch or review your loan documents for details on late fees.
What nearby dining options can I visit before or after my visit to Republic Finance on Hardscrabble Road?
Nearby restaurants include Tokyo Grill (Japanese cuisine), Calypso Caribbean Grill, Peking Wok (Chinese restaurant), and Smoothie King for quick healthful drinks.
Are there convenient nearby services for personal grooming near Republic Finance in Columbia?
Yes, you can find Nationalities Barbershop, Styling Pointe hair salon, and Trang Nail and Spa close to the Republic Finance location.
Which nearby stores and supermarkets are close to Republic Finance that I can visit for shopping?
Nearby stores include Food Lion, Lidl US supermarkets, Family Dollar discount store, and "Smart $ Dollar" department and liquor store for your shopping needs.