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
3.7
22 reviews
5 stars
14
4 stars
1
3 stars0
2 stars0
1 star
7
- KRKathy RoystonNov 14, 20255.0Very professional and knowledgeable. Very courteous and explain everything step by step and makes you feel at ease.
- TTTommy TolliverNov 6, 20254.0Responded very quickly and very professionally. A pleasure to work with
- DBDrucilla BuckleySep 17, 20255.0It was easy and fast to get an approval and they are super nice in the local office.
- TTTracy ThrockmortonJul 10, 20255.0Easy online payment option.. polite staff when I had to call in for any reason.
- CBCrystal BowenJun 27, 20255.0I have used Republic Finance for years now and I will not go to another loan company for my situations. The Johnson City TN branch is the best and you truly feel at home and family with everyone there. GREAT TEAM +++++
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 in Johnson City, TN offer?
Republic Finance offers personal loans including bill consolidation, home improvement, vacation, car purchases, car repairs, and emergency loans.
How long does it take to receive loan funds from Republic Finance?
If eligible for electronic funding, funds are deposited in 1-2 business days; funds are available the same day via paper check at the physical location.
What are the business hours for Republic Finance in Johnson City?
The office is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and holidays such as Thanksgiving and Christmas.
How can I apply or pre-qualify for a loan with Republic Finance?
You can pre-qualify online for an estimate of loan terms, but final approval requires a full loan application. More info is available on their website.
What is the difference between the interest rate and APR at Republic Finance?
The interest rate is the cost percentage for borrowing money, while the APR includes interest plus fees and finance charges, expressed as a higher percentage.
What happens if I miss a payment on my loan?
Missing a payment may result in a late charge. For details, contact your local branch or check your loan documents.
Where is Republic Finance located in Johnson City, TN?
Republic Finance is located at 1914 North Roan St, Suite 106, Johnson City, Tennessee 37601.
Are there any dining options nearby Republic Finance in Johnson City?
Yes, nearby dining options include Five Guys, KFC, Taco Bell, Fazoli's, Red Lobster, and Crumbl - Johnson City for desserts. You can enjoy a meal before or after visiting.
What local shops and services are near Republic Finance?
Nearby you can find OP Nails (nail salon), Milan Laser Hair Removal, Men’s Wearhouse, Bath & Body Works, Toys"R" Us, and financial services like ClearPoint CPAs PC and Elder Care Law of Tennessee.
Are there convenient banking or credit union services near Republic Finance?
Yes, nearby financial institutions include Knoxville TVA Employees Credit Union and HomeTrust Bank - Johnson City Main, helpful for customers managing finances after visiting Republic Finance.