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
3.9
11 reviews
5 stars
8
4 stars0
3 stars0
2 stars0
1 star
3
- VBvanessa brownOct 7, 20255.0They are always friendly and professional whenever I got into their office. They explain everything completely and answer any questions that you may have.
- RCRosie CrawleyAug 12, 20255.0The staff is friendly and professional in their job. Always willing to help you in need of extra funds when things happen in your life and you have no control of that situation.
- ABAnthony BlakelyMar 6, 20255.0It's been a while since I've been into the branch. The young lady was helpful and understanding of my needs
- MHMichael R. HaynorOct 20, 20225.0Excellent service and great atmosphere
- AZangela zehAug 23, 20191.0Would not recommend them to anyone!
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, vacations, car purchases, car repairs, and emergency loans to help with unplanned expenses.
How is pre-qualifying for a loan different from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and provided information, while final approval and specific loan terms require completion of a full loan application.
Is the loan check I received in the mail from Republic Finance legitimate?
Yes, it is a real loan check representing a pre-approved loan offer from Republic Finance.
What is the difference between interest rate and APR at Republic Finance?
The interest rate is the cost you pay to borrow money excluding fees, while the APR includes the interest rate plus any applicable fees and finance charges, expressed as a percentage.
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, terms, and repayment timeline, including the remaining balance and any applicable fees.
How quickly can I receive money from Republic Finance after qualifying?
Electronic funding deposits typically take 1-2 business days, while loans closed in person at the office provide same-day funds via paper check.
What loan amounts can I borrow from Republic Finance?
Loan amounts depend on factors like your state and income, with a maximum online pre-qualification loan amount of $10,000.
What happens if I miss a payment at Republic Finance?
Late payments may incur a late charge; details can be obtained from your local branch or loan documents.
What nearby dining options can I visit when I come to Republic Finance in Smyrna, TN?
Nearby restaurants include Karen Thai & Sushi, Sabor Latino Restaurant, Oaxaca Taqueria, Gyro Cafe Smyrna, Kimberly families Thai & Sushi Restaurant, Two Brothers Pizzeria & Restaurant, and Sing-Ha Bar & Grill, perfect for dining before or after your visit.
Are there any nearby service providers close to Republic Finance Smyrna branch?
Nearby service providers include Cricket Wireless Authorized Retailer for mobile phones, Majestic Nails Spa for beauty services, TN Plumbing Solutions, Plumbing Solutions contractor, and Staffmark Smyrna TN employment agency.
What recreational or wellness facilities are near Republic Finance in Smyrna?
Tru 360 Fit gym and yoga studio, as well as Smyrna Nutrition & Energy and Activ8 Nutrition smoothie bars and health food stores, are located nearby for your wellness and fitness needs.