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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
3.4
13 reviews
5 stars
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4 stars
1
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1 star
5
- LRluanne reynoldsAug 3, 20255.0I appreciate all you have done for me!
- JDJohn DayJun 23, 20255.0Im going thru a Divorce and they really went above and beyond considering my self made problem. And looked out and helped me resolve my situation. When really they didn't have to do anything ! Im Greatful . And couldn't thank them enough !
- TRTimmy RobertsonSep 14, 20231.0I lost my job a year ago and it was hard to make my car payment but i always figured out away to make a payment until I found job. Still received phone calls and letters through the mail. When i finally found a job I was splitting my payments every two weeks as agreed but somehow they said I was still behind. And they never work anything out for me.
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 customers?
Republic Finance provides personal loans for bill consolidations, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How can I pre-qualify for a loan at Republic Finance and how does it differ from applying?
Pre-qualification estimates your loan terms based on your credit and info you provide; final approval requires completing a full loan application.
Are loan checks sent by Republic Finance real?
Yes, loan checks are pre-approved loan offers and are real. More info is available through Republic Finance's resources.
What is the difference between the interest rate and APR on a Republic Finance loan?
The interest rate is the cost percentage charged on the loan amount alone, while APR includes interest plus fees like origination and documentation fees, expressed as a higher percentage.
What does refinancing a loan at Republic Finance involve?
Refinancing replaces your existing loan with a new loan that may have a new interest rate, term, and repayment timeline, including the remaining balance and any agreed fees.
How soon can I receive funds after loan approval at Republic Finance?
Funds are deposited electronically within 1-2 business days if eligible, or received as a paper check the same day when closing in a physical office.
What is the maximum loan amount I can borrow from Republic Finance online?
You can pre-qualify for an online loan up to $10,000, though actual approval depends on location and income.
What are the hours of operation for Republic Finance in Gaffney, SC?
Republic Finance is open Monday through Friday from 8:30 AM to 5:30 PM and closed on weekends and major holidays.
What should I do if I miss a payment on my Republic Finance loan?
Missing a payment may incur a late charge; contact your local branch or refer to your loan documents for specific details.
What nearby places can I visit when I come to Republic Finance at 1201 W. Floyd Baker Blvd.?
Nearby you can visit Shelby Eye Center for eye care, Planet Fitness for workouts, or enjoy dining at Frida's House Mexican Restaurant before or after your visit.
Are there financial services near Republic Finance that can assist with tax or credit needs?
Yes, nearby Liberty Tax offices and Credit Central offer tax and financial services that might complement your visit to Republic Finance.
What automotive services are available near Republic Finance in Gaffney?
Nearby automotive options include Strickland Brothers 10 Minute Oil Change and Ultra Lube Inc for oil changes and vehicle maintenance alongside U-Haul Neighborhood Dealer for truck rentals.