Consumer Complaints and Reviews
I would never tell anyone to use Republic and here's my experience with them. I had insurance on my loan my car for collateral. My car caught on fire on the way to work one morning. I got with them. They told me no problem, it would be paid off because my car was worth a lot more than the loan. Well this kept dragging on. I kept in touch with them. Often they said they would call me when the insurance paid off to release the title to give the impound. This took over five weeks when I called two or three times a week to find out how it was going.
When the insurance finally paid off they never called me. When I called them they said I still owed a balance and I was also behind on payments. I wasn't able to make any type of payment till the next week and during the following week. I got four phone calls to tell me I was four days late on my payments. Well I made three more payments. Get this. A 140.00 dollar payment, 40.00 dollars went to principal and 100.00 dollars went to interest and the next month they added 89.00 dollars interest. I kept owing more every time I went to make a payment. I was never going to get my loan paid off so I paid it off all at once. They offered to loan me more money right there and then and I said not just no but hell no and thumped his card back at him. I've had a lot of loans in the past and I've never seen the practices they do and I've found out a lot of their loans go to bankruptcy court. Never use these people.
I will never get another loan at Republic Finance in Foley AL. This one loan office was rude and arrogant. I paid my first bill and told them to move my due date cause that's what she said so the due date was supposed to be move. I was off work 2 weeks cause of the holidays. They failed to do it so now I'm behind on my loan. I don't want anything else from that location. I say that because all loan officers is not like that but if that's the only location I can go then I'm out. I refuse to be treated like that again cause of something they failed to do and I call a month ahead. Very disappointed.
Republic Finance is a not a good place to go to borrow money. I borrowed money twice with them and paid them never missing a payment nor was I ever late. I paid them back the last time 6 months before it was due to be paid off, that seems not to count with them when you need to borrow again the same amount because a credit score is not high enough for them.
As a small business, we are very dissatisfied with the method of billing and inaccuracies therein. We get billed every 2 weeks with each bill stating a due date of 30 days from billing date. For the 2nd time this year, we have not been credited for payments made. In fact, they credited a payment to then debit that same payment amount with no explanation. After trying to find another company to use, we found they have our small market locked up....no options! We are hoping all of these poor ratings will wake up our small community to demand a change. We literally are having money taken from us!
They garnish both my husband and my checks. They say I owe 6800 and that isn't right. I do owe the money to them and was going to pay it. Got in a jam and they sued for it from both of us. I don't make much money so they taking just bout all my check and now I can't pay my other bills. They don't care as long as they get their money.
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Very displeased with this place!!! Me and my boyfriend applied for a loan to purchase a vehicle. Well during the week Alexis called us back and said we are approved for x amount of money. She also told us what all we needed and set up an appointment to sign our loan documents. Well come the day OF the appointment. We call her to make sure we have everything we need. We was actually on the way to get the title names switched over... she says we haven't even got you guys approved yet, my boss was in a meeting and he should be reviewing it today. So I didn't really mind because I figured we was still going to be approved.
So she ends up finally calling me back after about an hour or so and she tells me she can't get anything done for us because our credit has only been open for a year. So I try to explain to her that I have had a credit card open since I was 16 and will be 20 in December. Along with my boyfriend, with his phone bill. She starts to get rude a little bit, so of course I get rude back and I simply tell her..."I will make sure I tell people my story with you all because you don't know what good customer service is. You can't tell me one thing... getting my hopes up and then tell me another thing!!!" I work at a loan company myself so I personally know how to deal with stuff like this!!! THIS PLACE IS A JOKE!!! DO NOT TRY TO GET A LOAN FROM THEM!
I received a $1200.00 loan from them??? No I didn't finish paying them but I did pay for a year $118.00 per month which is approximately $1200.00??? So I never seen a difference in the balance so I stop paying them. I was left with a balance $1900.00 after all my payments. I was also told that I had life insurance, well if I knew that I would have stop paying my life insurance??? No need to pay the same bill twice so to get down to the real I'm being sued for $7000 after making previous payments. They charge me interest on top of interest, now they garnishing my wages with the interest rate, they are charging me on this judgement. I'll be lucky to get out of this 10,000 wondering if this is even legal. I got screwed and on my way to being homeless. This company sucks. I can't feed my kids and pay bills with them taking 1/3 of my wages every week.
This company helped me when others wouldn't! I'm now on my second loan, pay the bill before it's due, and guess what? You guessed it! No Problems! All I have to do is call them up and tell them how much money I need, and within a few minutes I'm on my way to pick up a check! Thank you Republic Finance! You guys are AWESOME!!!
Maria works in the Georgetown office, I find her unprofessional and immature when dealing with the public. She shows no sympathy for people who have falling on hard times, (maybe she was born with a silver spoon in her mouth). I made a promise to pay arrangements to get my loan caught up this month. And this woman had my car towed and showed no remorse for doing so. She may find my hardships amusing, but it's not to me or people like me who try to make it in this world. I should have never went to Republic Finance for help!
Ripoffs. Borrowed 2150.00, paid back over 11,000.00. Don't fool with this company.
I have always made my payments and when my mom had passed away and there was another issue. I made my payments but they put on my credit report that I was 60 plus days late. I spoke with 4 people in there and they are stupid. And so I was talking to this guy Storm and so I told him "if I made a payment on April 1st that paid for April." They have me down for 60 days Plus. So I tried to explain that May to June is 30 days but he said "if you count from April 1st to June 1st that is 60 days." I told him "If I paid April's on the 1st that means it pays for all of April's." He said "no." It's sad that people work in the place and cannot add. I wonder where he got his education. I thought they stopped putting prizes in the Cracker Jack boxes. Please if you can do without these guys please leave them alone.
This is the worst company you can ever do business with. If you fall on hard times they carry you to court time and time again. My dad is sick. I'm not able to work. He has Alzheimer's. I'm his only caregiver. I don't make no money right now. I've told them, "What is going on?" but they don't care. When I do get money I'm going to have to file bankruptcy due to all the times they have carried me to court. Court fees and lawyer fees are not cheap. They had sent me a check through the mail a few years ago when I was falling on hard times. I cashed it to pay my utility bills. I wished now I would have left them alone. They didn't even check to see if I had a job. They are nothing but loan sharks preying on people that are going through hard times. Do not do business with these loan sharks.
I have been a customer of Republic Finance since November of 2015. I took out a loan due to experiencing a financial hardship. Since taking out the loan I have paid on time every month. However, this past month my A/C unit had some issues and I had a roommate move out. This caused me to have some unexpected expenses. I am an adult and I realize that this is why it is so important to have a savings.
However, if you're going through a financial hardship it is a little hard to save. I contacted Republic Finance to let them know what had happened and to make payment arrangements. I was very apologetic and I let them know that next month I could make 2 payments. I spoke to someone and he was very nice and understanding. However, he put his manager on the phone for me to explain the situation too. She wouldn't even hear me out. Once I told her that I could make 2 payments next month she aggressively said, "that isn't the way it works". Then she told me that if I couldn't make my monthly payment she would proceed with legal proceedings.
I am a young professional who is very responsible who is just going through a financial hardship. I wasn't trying to get out of my payments - I was just trying to make arrangements to pay due to a difficult month. I borrowed the money to make the payment, however, I am still very disappointed in my experience. I get that these type of companies have to be aggressive with certain customers who refuse to pay, but it seemed a little extreme to me. I took out a small loan with Republic Finance, but I will never ever take out another loan with this company! Do everything you can to avoid taking out a loan with companies like this.
I have made some large chunks of payments to these guys to try to get my loan paid off quicker (yeah right). When you do that, then you are paid ahead. Today I got a call reminding me of my payment. What? I just paid $500, $300.etc. What REALLY ticks me off is that you have no way of knowing where your accounts stands. You can't get a statement because they don't even make statements. The only information you can see online is the payments you made ONLINE only. So if you went in or mailed a payment, it doesn't show up. That's it. No balance, no due date, nothing. I can't believe this company has been allowed to stay in business this way. Also, I can't believe the interest rate. My fault though, I knew it going in. Taking out a loan with this company is a big mistake learned!
I have been receiving calls daily from this company looking for my brother. I have told them repeatedly that they are calling my cell in another state and not to call me again. They still leave voicemails directed at him and ask me to relay messages to him. Today they started calling my 11-year-old daughter... I have never heard of them until I reversed searched the number calling me. I feel they are harassing me and am furious that they feel they can call a minor child...
I took out a loan 10-04-14 for $1243.15 (all their fees assessed in there). I came into some money and paid $1200 on 10-10-14, then a first payment of $110.00 to cover the $43.15 and whatever interest would cover that short amount of time I actually had the loan. Never heard from them--until 11-13-15 telling asking me when I plan to start paying off my $1243.15 loan! It confused me for a while because I knew I did not owe them money. So I told the girl on the phone that--she passes me over to her manager who tells me I owe over $300, to be started a year after I paid the $1200. So I told them I made a further $111.15 (online charge of $1.15) to cover the month I had the loan--with the majority of it paid off after six days.
Then I get some schmo about how he has to go to his computer for clearance only he has to access my records. He goes there and tells me even if he goes back to the time I paid all this money, I still owe $65+. Amazing, he can go from $300+ to $65+ in one phone conversation after a year of not hearing from these people relating any balance they say I owe. He acknowledged the second payment on 11-06-14 and still insists I took the loan out for $1243.15, not $1200. Well, I told him hence the further payment of $111.15 online--then I get the spiel about how who I paid online was not their company. Excuse me, if I am paying the recommended site to pay your on your loan--how does that not include your company when I have records that Republic received these payments out of my bank account?
Fishy all the way around. They tell me this on a Friday when I have to work three night shifts, get off Monday am and go to their office to show them all the receipts of payments, with dates on them instead of being able to not worry all weekend about this and be able to sleep Monday. Unbelievable. I am waiting for them to threaten my credit rating, too--even when I paid them off extremely early!
After a long time being a good customer paying my bills on time they have a short memory and would not let me borrow any more money when I needed it. They seem like they don`t appreciate a good customer. Just because they have a short memory I will pay them off and not do any more business with them and they can stick their money where the sun don`t shine...
This Company tells you, well told me I had insurance on my loan when I took it out, $900. Hard times hit lost job, etc. Ask about that and act like I spoke a different language, suing me and the lawyer they have has mislead me and ended up with a civil warrant for my arrest on a court date I knew nothing of. Officer told me to call and see if they would drop the warrant and maybe pay them the money instead of bond. Wouldn't do it, very terrible Company to do business with. Hopefully some kind of law will go in effect to shut this company down, and maybe give them a little of their own habits and the way they do customers.
I have not missed one payment nor have I been late. Payment comes from my checking account automatically. I just checked my credit score and Republic has my payments made good but my balance is not going anywhere! How do I pay 600 dollars and only go down 100? Did not know reputation when I got the loan.
I've just started doing business with them, but reading over the terms and agreement it sounds like a loan! You borrow money and you pay it back! If you pay your bills on time your loan will be paid in full!! Come on guys, don't miss payments and blame the loan company!!
Kirby Whitten Branch - Memphis, TN: You are better off to cut out your own kidney and sell it on a street corner! They are absolute zombies - will call and harass you on the day your payment is due - not a day later - the day. They are rude, heartless and you will pay 500% interest on ANY loan. DON'T DO IT!!!!
Republic Finance is a predatory loan company - nothing more - nothing less. They do business with one of the credit bureaus (somehow) - and gain access to names, addresses and credit scores. If your score meets a certain number - they will send you (in the mail) an actual live check for amounts up to 6k. You can then take this check and deposit the funds into your account. By endorsing the check and cashing it - you agree to all the terms and conditions of their predatory lending practices. They've "gotcha".
These loans have interest rates so high they should be illegal. If one of these should land in your mailbox - rip it up without further ado.They are preying on people in hardship situations etc... If you miss payments, they will go to a local magistrate and ruin your credit with a judgment for years to come. They are truly scum. Their employees also leave a lot to be desired. They are smart mouths with attitudes, that talk down to you. And trust me, if you could see this group of people - they are a total unimpressive joke - really the cream of the crap. Please take my word and dodge this bullet.
I have been dealing with these people for years. The interest rate is terrible and will not help your credit one bit. Matter of fact I stop paying them and my credit score went up. When asked why we didn't I pay them off, I tell them I borrowed 3000 paid 3600.00 and still owed 2500.00. This is a predatory loan, nothing short of a payday loan. They are suing me and dropped the interest rate which is now 7.5% instead of 45%.
I have a loan with Republic Finance and they are the worst finance company to deal with. My loan is in the Gramercy store in Gramercy, La. I borrowed 5000.00 and with all the interests I end up having to pay back 10000.00. I have been paying on this loan since 2010 or 2011 and still paying those high as payments of 357.00 a month. Thank God my last payment is in August 2015. I shouldn't have never borrowed money from this company to consolidate my bills because all the money I gave them I could've paid off my own debt and would still have my credit cards to lean on in case of an emergency.
Now I can't get my credit cards back because I closed all my accounts and due to losing my job, my credit is not great due to late or no payments. NEVER consolidate and NEVER borrow money from these people. They are LOAN SHARKS. When I asked about paying the loan off early, they said it doesn't make sense because I'll only be saving 54.00 dollars. Well guess what! I'll be paying it off in June, I'd rather have 54.00 dollars in my pocket than in theirs. I went to the LaPlace branch and the new girl with the black glasses said they don't have any change. I'm thinking... Aren't y'all a finance company? Y'all take people money everyday. So that made me upset, especially when she tells me I would have to go and make change. So that made me have to give them more money than I wanted to.
They are a big rip off. You borrow 4000 and then you end paying back 10.000. I will sue them. I will get them back. They have taken and taken. I have paid on this for 3 years and it never goes down but what comes around goes around. They are rip off so anyone considering to take a loan with them please don't do it. They will rip you off jerks. There got to be a way to stop them from this.
I borrowed fifteen hundred with all the padded on interests and legal fees and hidden fees. I have paid about ten thousands dollars. Don't use this company even if a last resort. I'd rather borrow money from the mob before I deal and recommend these people.
This company is so nice when you walk thru their doors, and continue to be nice, because the interest rate of the loans are 34%, that's right. If you take out a loan they hit you with $720 Interest fee. There hundreds and hundreds of branches.
I have been with Republic Finance for over four years. I never missed a payment. Now I fall on hard times, my job hours cut so it make it hard for me to make my payments so I ask them to cut my payment in half until I get back on my feet. They said no, so they are going to sue me. What kind of people is that can't work with their customer? I will never recommend them to no one.
I have you paid eighteen out of thirty payments at Republic Finance in Cookeville, TN. When I called for a payoff amount, they didn't knock any money off for paying it off a year early. I also overpaid $220.00. This isn't right. Don't deal with this company. They just aren't fair.
I really have a very bad experience in this company. The associate name Willie here in Greenwood S.C.29649 was so rude! He's not good in customer service at all! He don't know how to communicate real and good customer!!
Republic Finance Company Profile
- Company Name:
- Republic Finance