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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
3.7
6 reviews
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- TFTracie FraustoSep 21, 20255.0Staff is great and friendly, easy process and answered all questions
- VFVictoria FloresAug 1, 20241.0Imagine it’s the day your payment is due your at work, and you get a phone call at 10:30am asking when you plan on paying! You have made all your payments and been submitting them online and they call you like you haven’t paid or your late. I will pay off this loan and never use them again. Completely ridiculous!
- BPBennie PinkstonMay 13, 20245.0Everyone at the McAllen Dove office have always been so helpful and friendly. Also very knowledgeable and explained things thoroughly.
- MMMANDI MJun 14, 20221.0The website tells you to go in to complete process and they will help you. I got there and 2 ladies in office and 1 customer in front of me. I was informed they only talk to you by phone or appointment only. They stated they were completely booked for today. No where on the door or website does it state this.
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 personal loans does Republic Finance offer?
Republic Finance offers personal loans for bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses.
How does pre-qualification differ from applying for a loan at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and information provided, while final approval depends on a full loan application.
Are the loan checks sent by Republic Finance legitimate?
Yes, loan checks from Republic Finance are real and represent pre-approved loan offers.
Can you explain the difference between the interest rate and APR at Republic Finance?
The interest rate is the percentage for borrowing money excluding fees, whereas APR includes interest plus fees such as origination and documentation fees, making it higher than the interest rate.
What does refinancing a loan with Republic Finance involve?
Refinancing replaces your existing loan with a new one that may have different terms, interest rate, and repayment timeline, including your remaining balance and any added fees.
How quickly can I receive funds after loan approval at Republic Finance?
If eligible for electronic funding, funds are deposited within 1-2 business days; funds from an in-person loan are provided the same day as a paper check.
What is the maximum loan amount I can pre-qualify for online at Republic Finance?
You can pre-qualify online for a loan up to $10,000, subject to factors like state of residence and income.
What are the office hours for Republic Finance in Lubbock, TX?
The office is open Monday through Friday from 8:00 AM to 5:00 PM and closed on Saturdays and Sundays, including certain holidays.
Are there any notable nearby places I can visit around Republic Finance in Lubbock?
Nearby places include Randy Neugebauer Park for outdoor activities, Domino's Pizza for a quick meal, and Vogue Nails & Spa for beauty services, all accessible when visiting the area.
How can nearby financial services like Edward Jones and PlainsCapital Bank benefit me during my visit to Republic Finance?
You can consult nearby financial advisors like Edward Jones or access ATM services at PlainsCapital Bank to assist with your financial management alongside Republic Finance's loan services.
What local services near Republic Finance can help with home improvement or repair needs?
Nearby services such as TAS Home Solutions, Roof Pro and Construction, and Ten Point Masonry offer real estate and contractor services to complement your home improvement loans from Republic Finance.