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Republic Finance

Republic Finance
Overall Satisfaction Rating 1.53/5
  • 5 stars
    7
  • 4 stars
    1
  • 3 stars
    3
  • 2 stars
    4
  • 1 stars
    63
Based on 78 ratings

This company is not yet authorized. See reviews below to learn more or submit your own review.

Republic Finance is a consumer loan company that offers multiple types of loan options up to $10,000. Its products include personal, emergency, vacation and secured auto loans and more. While it’s not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options.

BOTTOM LINE

Republic Finance provides various loan types in nine states, and you can pre-qualify online. Its options include personal, auto, vacation and emergency loans. It offers online repayment via debit card or bank transfer.

PROS
  • Loans up to $10,000
  • Multiple loan options
  • Online pre-qualification
  • Online payment portal
CONS
  • Not available in all states
  • High APRs

Top Republic Finance Reviews We Found

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Rated with 5 stars
Verified Reviewer

I love Republic Finance. They always are so kind and lovely to work with. The process is super easy and quick. I had hesitations about taking out loans, but they make it a very enjoyable experience. I... would recommend them to anyone!

Read full review
Rated with 5 stars
Verified Reviewer

They're always there when I need them! I have only had a positive experience with Republic! And for that, I'm a loyal customer! I've borrowed money from them 20 times or more, pay my bill on time, every time, and never one problem!!

Read full review

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    What is Republic Finance?

    Republic Finance is a lending company that offers loans through its branches in Alabama, Georgia, Kentucky, Louisiana, Mississippi, South Carolina, Tennessee and Texas. Options for borrowers include:

    • Secured auto loans
    • Emergency loans
    • Holiday loans
    • Personal loans
    • Home improvement loans
    • Vacation loans
    • Bill consolidation loans
    • K-12 school loans

    Republic Finance can pre-qualify you online without affecting your credit score. You can also pay your loans online with a debit card or recurring bank payments.

    What does Republic Finance do?

    Republic Finance provides loans for various occasions, including weddings, home improvement projects or vacations.

    Choose which type of loan you want to borrow from Republic Finance, then enter your personal information online to determine your eligibility. Most customers can apply and get approved for a personal loan completely online. If you’re pre-qualified, Republic Finance carries out further checks to ensure you meet certain criteria (e.g., you have the ability to provide collateral and insurance).

    For secured loans, customers must apply in person at one of its 160+ branch locations. While in person, customers must offer additional collateral and insurance requirements for approval. Secured loans are available up to $10,000.

    Once you receive your loan, you have to pay it back over a specific term. You can pay with a debit card or set up automatic bank payments.

    Republic Finance loan requirements

    Republic Finance doesn’t disclose its requirements on the site because they can vary from city to city and loan to loan. In general, loans are available between about $2,000 to $10,000.

    To qualify, you will need to pass a credit check. Standard loan terms, rates, and origination fees apply based on your state of residence.

    Republic Finance interest rates

    Republic Finance’s annual percentage rates (APRs) vary according to these individual factors:

    • Credit history
    • Loan amount
    • Income
    • Collateral
    • State of residence

    An average customer with good credit who borrows $6,000 over a 60-month term with an APR of 27.33% would make monthly payments of $300. However, your rates may differ, and Republic Finance doesn’t offer loans in every state.

    Republic Finance FAQ

    Where is Republic Finance available?
    Republic Finance does not provide loans in every state. It has branches in:
    • Alabama
    • Georgia
    • Kentucky
    • Louisiana
    • Mississippi
    • South Carolina
    • Tennessee
    • Texas
    Can I apply for a loan with Republic Finance online?
    Yes. Republic Finance provides online pre-qualification, which does not affect your credit score. After pre-qualifying you, Republic Finance carries out further checks to ensure that you can provide acceptable collateral and insurance.
    What types of loans does Republic Finance offer?
    It offers auto, bill consolidation, emergency, holiday, home improvement, K-12 school expense, personal and vacation loans. It’s worth noting that this company’s auto loans are actually vehicle title loans rather than loans for purchasing new cars.
    Does Republic Finance have a credit score requirement?
    Republic Finance’s website does not provide a minimum credit score requirement. Expect the company to check your credit score and your credit history before making a decision on your loan application, though.
    Will Republic Finance hurt my credit?
    For pre-qualification, no. If you go through the entire application and approval process, you will receive a hard credit pull, which will impact your credit.

    Is Republic Finance legit?

    Yes. Republic Finance has provided various loans to more than 300,000 customers across 200 communities in the United States. You can opt for auto, home improvement, vacation, personal, K-12, holiday, bill consolidation or emergency loans. It offers online pre-qualification and loan repayment via its online payments portal. However, its APRs are high, and its loans aren't available in every state.

    Republic Finance Reviews

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    How do I know I can trust these reviews about Republic Finance?
    How do I know I can trust these reviews about Republic Finance?
    • 3,056,638 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 10
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Jan. 7, 2021

    I wanted to renew my loan after paying $2880 on the original loan. The amount they offered in December was $775.00 was would have taken back up to the original loan amount which didn't make sense, so I just paid on the loan. Now it's January and I tried to renew the loan once again this time the offer went down to 600.00 and something which again didn't make sense. This company does not care about their customers they only want to make money by offering awful loan amounts. Why would they think it would be okay to give their customers such small amounts and take them back to their original loan amount with a 30 month repayment plan. This is the worse experience I have ever had with a lending company. They offer low amounts where they profit only with no regard for their customers.

    8 people found this review helpful
    Rated with 3 stars
    Verified Reviewer
    Original review: Oct. 1, 2020

    It need to get experience workers; most of the workers don"t want to answer questions. or listen to you'. If you can't find what you are looking for they will not help or if you need a size or color.

    6 people found this review helpful

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      Rated with 2 stars
      profile pic of the author
      Verified Reviewer
      Original review: Sept. 18, 2020

      I already had an account with them that was close to being paid off. I needed to have money to stop a garnishment from coming out if my bi-weekly check. I wanted to pay off the first account and then start another. This did not happen. Instead they combined them added extra interest on the first which also took my loan over 7000. 1400 + 3200 ended costing me a whole lot more.

      22 people found this review helpful
      Rated with 5 stars
      Verified Reviewer
      Original review: Sept. 17, 2020

      I love Republic Finance. They always are so kind and lovely to work with. The process is super easy and quick. I had hesitations about taking out loans, but they make it a very enjoyable experience. I give them 5 stars and would recommend them to anyone!

      6 people found this review helpful
      Rated with 3 stars
      profile pic of the author
      Verified Reviewer
      Original review: Sept. 16, 2020

      Application process takes only few minutes. Less documentation required. Very friendly staff. Installments are lower. Reasonable rates of interest. Charges are low. Everything about billing is transparent.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: June 19, 2020

      Read your paper work carefully especially the annual percentage rate and amount financed. They tell you it's one thing and once you read it's totally different and you're stuck with it. The % was 31.450 which is ridiculous.

      28 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: April 30, 2020

      1. Bait-and-Switch: they will offer to lower your interest rate, but when you go in to do the paperwork, you will find out you have to take out more money to get the lower rate. In addition, there is some fuzzy math they do...take a calculator and be savvy about loans when you. They are banking on you not being good with numbers.

      2. If you set up automatic withdrawal, make sure you are checking it on the date it is supposed to be withdrawn. They will claim they couldn't get it through. I called my bank and the bank said there was never an attempt. Luckily, I stay on top of my bills and didn't get a late charge. I got fed up just requested to pay of my loan, then they suddenly had 'computer issues' (this has happened a few times with this company on payments). I think they are trying their hardest to make customers accrue late fees.

      3. If you must deal with them, take note, it's like sleeping with rattlesnakes...keep one eye open because this company is banking on you not watching.

      25 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Nov. 21, 2019

      This has been my worst experience EVER with any type of loan! I borrowed $2000. I paid back almost $5000! I went in the office to ask them why my balance kept increasing as I increased my monthly payments and my payment amounts and the only reason they could give me was due to my high interest rate!!! This company reeks of BS and I will tell as many people as I can to NEVER do any type of business with them!!! This is a very crooked company! As I stated in the title, RUN FOR YOUR LIFE!!!!

      70 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Oct. 5, 2019

      Worst company ever. They knowing reported my account late for moths because THEY did not report a double payment for March. When I disputed it with Experian with receipts to back it up, they closed my account and added 1500 to my loan. Now I am still disputing all the false late payments and the increased dollar amount on the loan. Do not do business with these crooks.

      51 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Sept. 21, 2019

      Do NOT, and I mean NOT get and/or sign for a loan from this company. Customer service nil. Was waiting on a letter regarding the “live check” sent to me and, this company has positively, REFUSED to send to my attention, IN WRITING any form of an account number, etc. requested a payment book to mark any and all payments made to record in this payment book and was told by Garrett **, Elizabethtown, KY. Office they do NOT provide one. After I made the payment, asked how do I know it got applied to the right loan WITHOUT an account number. Mr. ** could not answer. Going to have a “come to Jesus meeting” with Garrett ** come Monday morning!

      40 people found this review helpful
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      Republic Finance Company Information

      Company Name:
      Republic Finance
      Website:
      www.republicfinance.com