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 experience. Helpful resources. Customer-centered. Nearly 370,000 customers. Flexible lending options.
Location
Hours
Reviews
5.0
8 reviews
5 stars
8
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1 star0
- ARAlyssa RiveraNov 21, 20255.0Stephen is efficient, knowledgeable, patient and professional.
- SMSandra MerrittMay 9, 20255.0I love the staff always very professional and kind,Always great with a smile and wish me a pleasant day and always ask is there anything else we can help you with ♥️👏🏾👏🏾
- MDMichelle DozierFeb 9, 20255.0They're always polite and super helpful
- RCRyan CarterNov 3, 20245.0Everything that y’all done has been magnificent!!! From the friendliest of the staff to all the other services that y’all provide has been fantastic. Thank you!! I recommend Republic finance to anyone for their financial needs!!
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 services and loan products does Republic Finance offer?
Republic Finance offers personal loans including bill consolidation, home improvements, vacations, car purchases, car repairs, and other unplanned expenses. Their products include Auto-Secured Loan, Bill Consolidation Loan, Emergency Loan, Holiday Loan, Home Improvement Loan, K-12 School Loan, Vacation Loan, and Personal Loan.
How does pre-qualification for a loan at Republic Finance work compared to applying for a loan?
Pre-qualification provides an estimate of loan terms based on your credit and information you provide, while final approval and loan terms require completing a full loan application.
Is the loan check I received in the mail from Republic Finance a real loan offer?
Yes, the loan check is a real, pre-approved loan offer from Republic Finance.
What is the difference between the interest rate and the APR on a loan?
The interest rate is the percentage charged for borrowing money, excluding fees. The APR includes the interest rate plus any fees such as origination or documentation fees, so the APR is typically higher.
What does it mean to refinance my loan with Republic Finance?
Refinancing means replacing your existing loan with a new one that may have a different interest rate, terms, or repayment timeline. The remaining balance and any fees are included in the new loan.
How long does it take to get funds after loan approval at Republic Finance?
Funds are typically deposited electronically within 1-2 business days. If you close your loan in a Republic Finance office, you'll receive your funds the same day by paper check.
What is the maximum loan amount I can apply for online at Republic Finance?
The maximum loan amount you can pre-qualify for online is $10,000, though actual approval depends on factors like state of residence and income.
What happens if I miss a payment on my Republic Finance loan?
Missing payments may result in late charges. You can contact your local branch or consult your loan documents for details on late fees.
What are the Republic Finance Woodbridge branch hours of operation?
The Woodbridge branch is open Monday through Friday from 8:00 AM to 5:00 PM and closed on Saturdays, Sundays, and certain holidays like November 27 and December 25, 2025.
What nearby places can I visit before or after my appointment at Republic Finance in Woodbridge?
Nearby places include Dental One Associates of Virginia for dental services, Chada Thai restaurant for dining, and Sunoco Gas Station for fueling your vehicle. Visitors can conveniently visit these spots around their Republic Finance visit.