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
3.8
16 reviews
5 stars
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3
- RCRobert CoasterSep 26, 20255.0Always treated me and my late wife respectfully
- KBKay BrooksSep 26, 20255.0Very pleased with them
- MSMelvin Tobar SrAug 7, 20255.0I needed money for bills they able to give me a loan that I needed
- AMA.W. M.Feb 28, 20221.0Terrible company! Don't take a loan out with them!
- LHLori HoodFeb 8, 20182.0Although my boyfriend of 16years has been the client with this company in the past, we are bombarded with loan offerings every other day, honestly it's repugnant to think about the trees that are cut down in order to provide companies similar to this one with truck loads of paper to print this garbage, only to end up in the garbage can. If we wish to communicate or do further business with your company, we will certainly call, until then, spare us the kindling. PLEASE!
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 provide?
Republic Finance offers various personal loans including bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses to help meet your financial needs.
What is the difference between pre-qualifying for a loan and applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information you provide. Final approval and loan terms depend on completing a full loan application.
How can I confirm if a loan check I received from Republic Finance is legitimate?
A loan check is a real, pre-approved loan offer from Republic Finance. You can find more information about loan checks on their website.
What is the difference between the interest rate and the APR on a loan?
The interest rate is the percentage charged for borrowing money and excludes fees. The APR includes the interest rate plus any fees like origination, closing, and documentation fees, expressed as a percentage, and is usually higher than the interest rate.
What does refinancing a loan with Republic Finance involve?
Refinancing replaces your existing loan with a new one that may have a different interest rate, terms, or repayment timeline. It includes the remaining balance of your previous loan plus any agreed fees or insurance products.
How long does it take to receive funds after loan approval at Republic Finance?
Funds are typically deposited electronically within 1-2 business days if you qualify for electronic funding. If you close your loan in person at a Republic Finance office, you receive your funds the same day via paper check.
What are the typical business hours for Republic Finance in Chattanooga, TN?
Republic Finance in Chattanooga is open Monday through Friday from 8:00 AM to 5:00 PM and closed on Saturdays and Sundays. They are also closed on major holidays such as November 27 and December 25, 2025.
Where is Republic Finance located in Chattanooga?
Republic Finance is located at 8021 East Brainerd Road, Chattanooga, TN 37421, USA.
What nearby food and drink options are available near Republic Finance on East Brainerd Road?
Nearby you can find Starbucks, Coffee Trailers / trucks & Equipment by Grindhead Coffee, Crumbl Cookies, Crumbl - Chattanooga, 100 Hibachi & Sushi, East Brainerd, Armando’s East Brainerd Burger Co., Bojangles, Dutch Bros Coffee, Hardee's, and Haute Cuisine. These are convenient spots to grab a coffee or meal before or after your visit.
Are there any fitness or wellness centers near Republic Finance in Chattanooga?
Yes, nearby fitness and wellness options include Total Fitness Kickboxing - East Brainerd, Modern Play gymnastics and dance school, PURE Nail Spa, Superior Physical Health chiropractic and physical therapy spa, and The Spot 4 Dogs Scenic City for pet training services.
What other practical services are located near Republic Finance's Chattanooga branch?
Nearby practical services include Cell Surgeon phone repair, Dentists of East Brainerd, UPS Access Point shipping center, CVS Pharmacy, Minute Clinic medical center, Millennium Bank, and LibertyX Bitcoin ATM, making it easy to combine errands with your visit.