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
3.2
18 reviews
5 stars
10
4 stars0
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1 star
8
- MRMiracle RAug 20, 20251.0They get ur hope but They won't help you if u don't have a car in ur name the stupid waste of time
- JTJanet Rae O'Connor ThomasAug 6, 20255.0The branch manager Hadley was professional and helpful and knowledgeable. He really helped me get a loan and I wasn't intimidated by the process since I hadn't done this before. Hadley was very courteous and kind during the loan process which helped it go by very quickly.
- CHChristy HodgeMar 22, 20181.0I have NEVER experience such rude and unprofessional customer service from this office. whatever you do, don't fall on hard times because they could careless. I understand the business aspect and they need their payments, however when it comes to 2-3 phone calls a day and a letter every other day .......... that harassment. Never will I ever recommend them to anyone!!!!!!!!!!!!!!
- GOGilbert O'StringNov 30, 20171.0Terrible customer service. Tried to co- sign a loan for a friend, but was told by Robin that I don't have a credit score. First of all, everyone over the age of eighteen has a credit score--it moght be bad, it might be good, but everyone has a score. Second, if I don't have a credit score, then how do I have two active credit cards, including a Capitol One Platinum card? When I home, I searched my score on Experien, the same service Republic uses. Sure enough, both the credit cards I have, and my score, were plainly visible. I tried to do the co-sign by phone. It was near closing time. I think that's why Robin tried to insult my intelligence the way she did. She didn't want to do the paperwork. Even worse, she hung up on me!
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 purchase and repair, emergency, and holiday loans.
How is pre-qualification different from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and information you provide, while a full application is needed for final approval and loan terms.
Is the loan check mailed by Republic Finance genuine?
Yes, the loan check is a real pre-approved loan offer from Republic Finance.
Can you explain the difference between the interest rate and APR on loans?
The interest rate is the cost percentage of borrowing money. APR includes the interest rate plus all fees, making it typically higher.
What does refinancing a loan with Republic Finance involve?
Refinancing replaces your existing loan with a new one that may have a new interest rate and terms, and includes your remaining balance plus fees.
How quickly can I receive funds from Republic Finance after approval?
If qualifying for electronic funding, you can receive funds in 1-2 business days; in-person loan closings provide same-day paper checks.
What loan amounts can I borrow from Republic Finance?
Loan amounts vary by factors like residence and income, with a maximum pre-qualification amount of $10,000 online.
What are the business hours of Republic Finance in Knoxville, TN?
The Knoxville branch is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and certain holidays.
Are there any nearby places I can visit before or after my appointment at Republic Finance on East Emory Road?
Yes, you can visit nearby places such as Biketopia Bike Shop for sporting goods, Don Gallo Mexican Grill for dining, or Bruster's Real Ice Cream for a dessert treat.
How can nearby transit or shopping locations help in accessing the Republic Finance office?
Nearby retail stores like Dollar Tree can serve as landmarks, and the proximity to places like O'Reilly Auto Parts and Prestige Cleaners can help you easily locate Republic Finance at 976 East Emory Road.