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
4.7
9 reviews
5 stars
8
4 stars0
3 stars0
2 stars
1
1 star0
- KSKay SmithOct 11, 20255.0I called about an issue and was told they would get back to me. Michelle called me back and the issue was handled. Thank you.
- GRG.L. ReimersSep 24, 20252.0I'm not to for sure now when your bank stop their check because of suspected fraud
- JPJeff PowellJul 11, 20255.0Very nice to work with, and courteous and professional.
- TFTonja FaulkenberryApr 15, 20255.0Was there when I needed some help from an unexpected repair!! Great people and fast service
- MMMs MaldonadoJun 26, 20245.0They are friendly and supportive. No pressure just present.
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 various personal loans, including auto-secured, bill consolidation, emergency, holiday, home improvement, K-12 school, vacation, and personal loans.
How does pre-qualifying for a loan differ from applying for one at Republic Finance?
Pre-qualification provides an estimate of loan terms based on your credit and provided information, while final approval requires completing a full loan application.
Is the loan check I received in the mail from Republic Finance legitimate?
Yes, it's a real loan check representing a pre-approved loan offer from Republic Finance.
What is the difference between the interest rate and APR on a loan?
Interest rate is the cost percentage charged for borrowing money, excluding additional fees. APR includes the interest rate plus fees like origination or documentation charges, making it usually higher.
What does refinancing a loan with Republic Finance mean?
Refinancing replaces your existing loan with a new one that may have different interest rates, terms, or repayment schedules, including remaining balances and fees.
How quickly can I get funds after my loan is approved at Republic Finance?
If eligible for electronic funding, funds are deposited within 1-2 business days; in-office loan closings provide funds the same day via a paper check.
What are the business hours of Republic Finance in McKinney, TX?
Republic Finance is open Monday through Friday from 8:00 AM to 5:00 PM and is closed on Saturdays, Sundays, and major holidays.
What should I do if I miss a payment on my Republic Finance loan?
You may incur a late charge. Contact your local branch or consult your loan documents for specific details about late payments.
Can I visit other local businesses near Republic Finance while in McKinney?
Yes! Nearby places include Red Wing shoe stores for footwear, Hill Park Cleaners for laundry services, and Sonny Donuts for refreshments, making it convenient to combine errands or treats with your visit.
Are there dining options near Republic Finance in McKinney?
Yes, nearby restaurants like Jason's Deli, KFC, Chick-fil-A, Eggsquisite Cafe, and Starbucks offer various meal options to enjoy before or after your visit.
Where can I find shopping and beauty stores near Republic Finance?
Close to Republic Finance, you can visit stores like Bath & Body Works, Ulta Beauty, Charlotte Tilbury, Five Below, Ross Dress for Less, and Avenue for cosmetics, clothing, and accessories.