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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
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Reviews
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- VRValeria Reynolds5 days ago4.0The were friendly & helped when life events interrupted payment schedule.
- JOJackie OakleyNov 19, 20245.0The representative was awesome to me. She made me feel welcome. Very easy to talk too. I would recommend to others.
- LDLOIS DOBSONSep 27, 20244.0Staff is very professional and polite.
- CLCarol LoweJun 29, 20231.0This company keeps sending a customer's payment confirmation to my email address. I have contacted the phone number in the email several times to tell them this is happening. I have their customer's Account Number, the last 4 of the payment account, a confirmation number, payment amount, and convenience fee information. The Response: Oh, I've never heard of that before. I don't know how to handle that. Well, here is what you do, Republic Finance, contact the customer and tell them you need to review their email and then change it to the correct one.
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 auto-secured loans, bill consolidation loans, emergency loans, holiday loans, home improvement loans, K-12 school loans, vacation loans, and general personal loans.
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 you provide. Final approval requires completing a full loan application.
How quickly can I receive funds after loan approval?
If you qualify for electronic funding, funds are deposited in your bank account within 1-2 business days. If you close a loan at a physical Republic Finance location, you'll receive your funds the same day via a paper check.
What is the difference between the interest rate and APR on a loan?
The interest rate is the cost percentage for borrowing money excluding fees. The APR includes the interest rate plus any fees and finance charges, typically resulting in a higher percentage than the interest rate alone.
What does it mean to refinance a loan with Republic Finance?
Refinancing replaces your existing loan with a new one that may have a different interest rate, terms, or repayment timeline. It includes the remaining balance plus any agreed fees and insurance products, if allowed by law.
What are the business hours for Republic Finance in Newport News, VA?
Republic Finance is open Monday through Friday from 8:30 AM to 5:30 PM and closed on Saturdays, Sundays, and most major holidays.
What happens if I miss a payment on my Republic Finance loan?
If you miss a payment, you may be charged a late fee. You can contact your local branch or check your loan documents for details on late charges and amounts.
Where is Republic Finance located in Newport News, VA?
Republic Finance is located at 340 Oyster Point Rd., Suite 105, Newport News, VA 23602-7174.
What nearby places can I visit when I come to Republic Finance at Oyster Point Rd.?
Nearby places include Papa Murphy's Take 'N' Bake Pizza, Little Caesars, Starbucks coffee shops, and Bonefish Grill. You can enjoy a meal or coffee before or after your visit to Republic Finance.
Are there any convenient services near Republic Finance in Newport News, VA?
Yes, close by are Cellular Solutions for mobile phones and electronics, Liberty Tax Service for tax help, and nearby gas stations like RaceWay. These make it convenient to handle multiple errands around your loan visit.