Business Details
About
Loan AgencyInvestment ServiceRepublic Finance
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
4.1
9 reviews
5 stars
7
4 stars0
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1 star
2
- DWDavid WillisDec 19, 20255.0Awesome experience great service
- EREllisha RobinsonMar 19, 20255.0The entire branch team is excellent. They are friendly and welcoming and knowledgeable. They make the experience a good one. I can't say enough nice things about them!
- KBKayla BNov 14, 20221.0Guys beware! They get there money by adding on these extra “insurances” that they charge you for &’ thats how the staff get their bonuses so they try to run it over quickly &’ really push it so they can get their bonus!
- VFvera faulkMar 15, 20225.0Thank you Misty for all of your help.
- BTBobby TedfordSep 7, 20215.0Branch manager very professional and friendly. Would recommend to others.
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, vacation, car purchases, car repairs, emergency loans, holiday loans, and more.
How is pre-qualifying for a loan different from applying for a loan?
Pre-qualification provides an estimate of loan terms based on your credit and information you provide, while final approval depends on a full loan application.
How soon can I get my loan funds after approval?
If eligible for electronic funding, funds are deposited within 1-2 business days. If closing in person, funds are given the same day as a paper check.
What is the difference between interest rate and APR at Republic Finance?
The interest rate is the cost percentage for borrowing money, excluding fees. APR includes the interest rate plus any fees like origination or documentation fees, usually making it higher.
Where is Republic Finance located in Waco, TX?
Republic Finance is located at 1411 N. Valley Mills Drive, Suite 7, Waco, TX 76710.
What are the business hours for Republic Finance in Waco?
The office is open Monday through Friday from 8:00 AM to 5:00 PM and closed on weekends and major holidays like Thanksgiving and Christmas.
What happens if I miss a loan payment at Republic Finance?
Late payments may result in late charges. Details can be obtained by contacting your local branch or reviewing your loan documents.
How can I access loan services at Republic Finance?
You can apply and manage loans online or visit the Waco branch during business hours for in-person assistance.
Are there nearby places I can visit around Republic Finance in Waco?
Yes, nearby are SAS Shoes for shopping, The Laundry Room for dry cleaning, and The Mane Event for beauty and hair services, which can be convenient before or after your visit.
Where can I find emergency medical services near Republic Finance in Waco?
Express Emergency Room Waco is a nearby medical facility to visit in case of emergencies when you're in the area.
Are there financial advisory services near Republic Finance in Waco?
Yes, Edward Jones - Financial Advisor: Matt Rollins and New York Life are nearby financial service providers that could complement your financial planning.