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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.
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- Onsite servicesAvailable
Location
Hours
Reviews
4.0
12 reviews
5 stars
9
4 stars0
3 stars0
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1 star
3
- RERafael EscobedoOct 28, 20255.0Everything was perfect and appreciated
- MRMaria RoomOct 2, 20255.0The agents were very knowledgeable, professional, kind and courteous. They expressed their willingness to help me with my needs and I would highly recommend them to my friends and family. Very satisfied with their services!
- MNMarco NunezAug 11, 20255.0Very helpful. Very respectful. Good rates. Easy to do business with.
- IHIeshia HarrisJun 9, 20245.0Republic Finance has helped a family friend of mines family member get school uniforms for their school year when their finances were low due to loss of income in their household due to health. The pre-approval was on time and the repayment amount is affordable for that friends current financial budget.
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 bill consolidations, home improvements, vacations, car purchases and repairs, and other unplanned expenses.
How can I pre-qualify for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms you may qualify for based on your credit and information provided. Final approval requires a full loan application.
Is the loan check I received in the mail from Republic Finance legitimate?
Yes, loan checks sent by Republic Finance are real and represent pre-approved loan offers.
What is the difference between interest rate and APR at Republic Finance?
Interest rate is the cost charged for borrowing money, excluding fees. APR includes the interest rate plus fees such as origination and documentation fees, expressed as a percentage.
What does refinancing a loan with Republic Finance mean?
Refinancing replaces your existing loan with a new loan that may have a new interest rate, terms, and repayment timeline including any remaining balance and applicable fees.
How quickly can I get funds after loan approval at Republic Finance?
Funds are deposited within 1-2 business days with electronic funding. Loan funds received in a branch are given the same day via paper check.
What loan amounts are available through Republic Finance?
Loan amounts depend on factors like state and income, but the maximum amount pre-qualified online is $10,000.
What happens if I miss a payment on my Republic Finance loan?
Missing a payment may result in a late charge. Contact your local branch or consult your loan documents for details about late fees.
What are the business hours of Republic Finance in Harlingen, TX?
Republic Finance in Harlingen is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and major holidays.
What nearby places can I visit while handling my finances at Republic Finance in Harlingen?
Near Republic Finance, you can enjoy a coffee at Greater Coffee Co., grab a sandwich at Subway, or visit the RGV Eye Institute for health services.
How can nearby gyms like Orangetheory Fitness Harlingen or Gentry Gym complement my visit to Republic Finance?
After visiting Republic Finance, you can maintain your wellness goals by visiting nearby gyms such as Orangetheory Fitness Harlingen or Gentry Gym for workouts.
Are there convenient nearby stores for quick errands after visiting Republic Finance?
Yes, you can stop by convenient stores like 7-Eleven, Xoom 6780, or Speedy Stop located close to Republic Finance for snacks and essentials.