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
4.1
16 reviews
5 stars
12
4 stars0
3 stars
1
2 stars0
1 star
3
- SNSharon NesbittJul 15, 20255.0Great experience with all of the staff. Especially with Pang and Cooper.
- JSJanet ShockleyJun 25, 20245.0They will definitely work with you and get you what you need
- JMJessica MannDec 24, 20195.0I always feel like a valuable customer and anytime I call, everyone in the office is more than willing to help. They go above and beyond to make sure I am happy. I know if I ever need a loan where I'm going!! I recommend this place to anyone!!
- JSJasmine SkinnerNov 23, 20191.0Wouldn’t recommend this place to anyone..they hurt your credit more than anything and they don’t work with you if you have a life changing event that affects you not being able to make your payment on time
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, car repairs, and other unplanned expenses.
How is pre-qualification different from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of terms based on your credit and information, while applying requires a full application for final approval and terms.
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 for a loan at Republic Finance?
Interest rate is the cost percentage charged for borrowing money; APR includes the interest rate plus fees like origination and documentation fees, and is usually higher.
What does refinancing a loan with Republic Finance mean?
Refinancing means replacing your existing loan with a new loan that may have different interest rates, terms, or repayment timelines.
How long does it take to receive funds after getting a loan from Republic Finance?
Electronic funding deposits funds in 1-2 business days, while in-office loan closings provide a paper check the same day.
What is the maximum loan amount I can pre-qualify for online with Republic Finance?
The largest loan amount you can pre-qualify for online is $10,000, though final approvals depend on factors like state and income.
What happens if I miss a payment on my Republic Finance loan?
You may be charged a late fee; for details, contact your local branch or check your loan documents.
What nearby places can I visit after visiting Republic Finance in Spartanburg, SC?
Close by are great options like El Mexicano Restaurant and Los Mexicanos Restaurant for dining, and Great Clips for hair services.
Are there any nearby health-related services near Republic Finance in Spartanburg?
Yes, Aspen Dental and Dental Home - Spartanburg are nearby for dental care, and ATI Physical Therapy offers therapy services close by.
What convenience stores or services are close to Republic Finance to make my visit easier?
You can find Walmart Pharmacy, Walmart Grocery Pickup and Delivery, and SmartStop Self Storage nearby for convenience.