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
3.3
14 reviews
5 stars
8
4 stars0
3 stars0
2 stars0
1 star
6
- BTBetina ThompsonJun 30, 20251.0Absolutely horrible customer service! Rude manager, Jessica Ward, has no idea how to treat people with respect.
- SWScott WinfreeNov 15, 20215.0I've been with them for over a year now and have had no issues what so ever. They are always kind and professional. I do pay my bills on time and don't make excuses for when i may be late, seems like that the only variable between 1 star and 5 star rating. Pay your bills people! Don't blame a finance company because you can't.
- PGPamela GriffinSep 8, 20181.0Rip off! Predatory lending. Totally not flexible at all! Beware!
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 personal loans does Republic Finance offer?
Republic Finance offers personal loans for bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How does pre-qualification differ from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and provided information, while final approval requires completing a full loan application.
Are loan checks from Republic Finance legitimate?
Yes, loan checks are real and represent pre-approved loan offers.
What is the difference between interest rate and APR?
Interest rate refers to the cost percentage charged for borrowing money, excluding fees. APR includes the interest rate plus fees like origination and closing fees, expressed as a percentage.
What does refinancing a loan with Republic Finance mean?
Refinancing replaces your existing loan with a new one that may have different interest rates, terms, or repayment timelines, including remaining balances and applicable fees.
How quickly can I receive funds after loan approval?
Funds are deposited in your bank account within 1-2 business days if you qualify for electronic funding, or you can receive a paper check the same day at a Republic Finance location.
What is the maximum loan amount I can pre-qualify for online at Republic Finance?
You can pre-qualify online for loans up to $10,000, though approval depends on factors like your state of residence and income.
What happens if I miss a payment to Republic Finance?
If you miss a payment, you may be charged a late fee. Details can be obtained by contacting your local branch or reviewing your loan documents.
What nearby food options can I consider when visiting Republic Finance in Columbia, TN?
Domino's Pizza and Tennessee Coffee & Smoothie Co. are nearby, offering convenient meal and beverage options before or after your visit.
Are there any medical facilities close to Republic Finance in Columbia, Tennessee?
Yes, nearby facilities include National Urgent Care and Lamarr A. Dash, providing convenient access to health services.
What local businesses near Republic Finance might assist with insurance or real estate needs?
Nearby businesses include Robert Graham: Allstate Insurance and several real estate agents such as Becky Burch- Gouge, Crye-Leike Realtors and Jimmy Campbell Crye-Leike Realtors, located close by for your insurance and real estate inquiries.