Business Details
About
Loan AgencyInvestment ServiceRepublic Finance
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
3.0
23 reviews
5 stars
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1 star
11
- DWDonna WhippsSep 5, 20255.0Reasonable finance company. Always willing to help when needed. Very respectful to our needs and wants.
- PDPaul DavisAug 21, 20255.0Outstanding 🥰
- DCDonna CatlettOct 4, 20211.0I paid my loan IN FULL. They did not report this to my credit report. They appear on my credit report as my owing them money and that I am late on paying. Again I paid my loan off IN FULL! This affected my credit badly. I had to call them in HIPES they will correct this indiscretion.
- DBDale BrownSep 27, 20211.0Over charging vultures
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?
Republic Finance offers personal loans for purposes like bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How does pre-qualifying for a loan differ from applying?
Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information provided, but final approval depends on completing a full loan application.
Are loan checks sent by Republic Finance genuine?
Yes, loan checks you receive in the mail are real pre-approved loan offers from Republic Finance.
What’s the difference between interest rate and APR?
The interest rate is the cost percentage charged for borrowing money, while APR includes the interest rate plus any fees and finance charges, usually making it higher than the interest rate.
How long does it take to receive funds after loan approval?
If you qualify for electronic funding, funds are deposited within 1-2 business days; loans closed in-office provide funds the same day as a paper check.
What are Republic Finance's business hours?
Republic Finance in Cleveland, TN is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and holidays such as November 27 and December 25, 2025.
What types of loans can I apply for at Republic Finance?
You can apply for loans including Auto-Secured, Bill Consolidation, Emergency, Holiday, Home Improvement, K-12 School, Vacation, and Personal Loans.
Where is Republic Finance located in Cleveland, TN?
Republic Finance is located at 3860 Candies Creek Lane NW Suite B, Cleveland, TN 37312.
Are there grocery stores near Republic Finance in Cleveland?
Yes, Super Saver Cost Plus, a grocery and health food store, and Dollar Tree, a discount store, are located nearby, convenient for running errands before or after visiting Republic Finance.
What dining options are available near Republic Finance?
Nearby Mexican restaurants like OK Maguey, El Santis Mexican Restaurant, and Ok Maguey Mexican Grill #2 offer dining choices close to Republic Finance for a meal before or after your visit.
Are there financial service providers near Republic Finance?
Yes, Edward Jones Financial Advisors (Bradley A Hudson and Kelly L Browand, CFP®|AAMS™), Farm Bureau Insurance, and Western Union are nearby and can complement your financial planning or services.