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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
3.3
7 reviews
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- CCCorey Wade (Davien Crow)2 days ago4.0Recieved a voluntary product via mail, republic finance and Ally Bank (Ally.com) seem to have different stances on if the loan was ever deposited and honored. It is now since September and the issue has not been resolved despite an ic3.gov, FTC, and other formal complaints. I have seen no reason to hold republic finance accountable for what Ally has boldly claimed, as they vehemently deny Ally even reached out to them over suspicion the check was fraudulent. However I have Recieved absolutely no relief, changes, hold, cancelation offered the initial 31 days, the account is in good standing, but there has been absolutely nothing done to provide me with any verification from either side, as per regulatory requirements and statute upon request. The republic finance company hasn't received any financial statements about the potential consequences for the entire situation and risk management for the purpose
- NONatalie Obregon3 days ago5.0Republic finance is very processional and responsive when it comes to helping their clients get the financial help they need, thank you!
- ALAlice LaraJun 20, 20251.0BEWARE! THEY SNEAK IN ADDITIONAL ILLEGITIMATE COSTS THAT YOU NEVER REQUESTED!
- GSGeneva SandovalApr 2, 20255.0Great customer service very friendly. Never had a problem.
- DJDaniel Hernandez JrJan 22, 20222.0Good customer service. Fast and easy process. Paid on time always, paid loan off early, applied again later and was denied
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 a variety of personal loans including auto-secured, bill consolidation, emergency, holiday, home improvement, K-12 school, vacation, and personal loans.
How long does it take to get funds after loan approval at Republic Finance?
If you qualify for electronic funding, funds are deposited in your bank account within 1-2 business days. For loans closed at a physical location, you receive a paper check the same day.
What is the difference between pre-qualifying and applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on provided information and credit, while final approval and terms require a full loan application.
What does refinancing a loan at Republic Finance mean?
Refinancing replaces your existing loan with a new one that may have a different interest rate, revised terms, and repayment timeline, including your remaining loan balance and any agreed fees.
What happens if I miss a payment on my Republic Finance loan?
You may be charged a late fee if payments are not made on time. Contact your local branch or review your loan documents for details on late charges.
What are the business hours for Republic Finance in Laredo, TX?
Republic Finance in Laredo is open Monday through Friday from 8:00 AM to 5:00 PM and is closed on Saturdays and Sundays. It is also closed on certain holidays like November 27, 2025, and December 25, 2025.
Where is Republic Finance located in Laredo, TX?
Republic Finance is located at 2413 Jacaman Road, Unit 2, Laredo, TX 78041.
Are there any good dining options near Republic Finance to visit before or after your appointment?
Yes, near Republic Finance you can find Eduardo's North Bar, Eduardo's BBQ Steaks and Mexican Grill, Military Wings, and Rochas Bar and Grill, all offering Mexican and American cuisines to enjoy before or after your visit.
What nearby facilities could help customers handle other needs along with a loan at Republic Finance?
Customers can visit IBC Bank nearby for banking services, Valerie Cortinas Fisher Law for legal needs, and V and V Roofing Contractors for home repair services in the Laredo area.
What local recreation or wellness spots are near Republic Finance for customers to check out?
Customers can visit Fit Club Laredo for fitness activities, Fantasy Nail Bar for beauty services, or Arena Gun Club for sports and shooting range interests, all located nearby the Republic Finance office.