Republic Finance Reviews

I was called this morning. I was offered $4500. Told me my limit was 15,000, that I could get without a car title. I do the application. My credit took a hit and it was a lie. If I ever get out of this loan. I will never do loans with this place again.

Took out a loan with them. Everything was fine. Had a surprise surgery which put me in financial trouble. Asked them for a two-month deferral. Area manager said no. Upper management said yes. Vice president called and said yes we can do that, just bringing your income. I bring in my income. Manager asked for more and more and more. Story kept changing. Kept getting runaround. At one point branch manager refused it deferral unless I took out more money giving them the chance to charge me more interest on top of more interest, more headache, more headache.

I applied when I called. They didn’t seem interested so I went with someone else and I am glad it was that way after reading these reviews. They could of at least told me something but just choose to totally ignore me.

Do not use this cimpany, way back in 2018 I did get a loan, could not pay back, the loan tripled. Harassed is an understatement, even today still ruining my credit!!! I do not recommend any stars, worst company ever encountered, 3 yr ago falsely claimed was a mortage company just to get my information. Have ruined my credit 3x. I intend to sue them this time.! You will not get one red cent! I would not borrow 1 dollar, they will lie, say you owe $15,000! Stay away!!!! Better yet run!!!

I have never been treated with absolute respect and I have had multiple loans. They even refinanced my vehicle and saved me thousands plus saved me from 6 months of extra payments. The branch in my county of South Carolina are wonderful and fair to work with. The finance rate was much better than my rate from the original loan company we used for financing from our new vehicle dealership.

The company is not as transparent as they should be. Their website does not allow you to view statements, nor are any mailed out. The website also shows account balance discrepancies versus what is actually owed. Correspondence is non-existent.

The first area this business messed up with me was when my social security check didn't come. They told me I could refinance which I did. However, what they didn't tell me was that my payments would increase $50 a month. This month I had $145 left of my payment to pay. I told it to pay $20. They changed my payment to the full $192 and stole an additional $172 out of my account. Bear in mind that I only owed $145 for this month!

I received a check, called to verify, that man that answered the phone was very rude, said he could not pull up the account. Meantime I'm holding the check on my hand, did not want to do their job. Don't send checks to people unless you at least do your job to verify information. I feel my information was there he just did not want to find it. Better customers service needed

I wish I could give ZERO stars. PLEASE BE ADVISED. If you miss even one payment, they will file a judgment against you. Once the judgment is ruled against you, they have an attorney they use to freeze funds in your bank account without notice. They do this through a Receivership, which is legal in Texas. FIND any other option than these people!

They used dirty tactics and over the top interest and fees to double or triple their return. They sent checks to everyone during the COVID lockdown and it was as easy as cashing the check to enter into this nightmare.

Republic Finance has been the worst company I have ever done business with. 'High origination fees", higher interest than any other loan company I have ever dealt with. On top of that they have the worst customer service department I've ever dealt with. I don't recommend anyone use their loan services!!

Someone stole my identity and banking information to obtain a loan from Republic Finance! I have never done business with this company and never will. Twice now someone has attempted to take $407.00 from my checking account. No one is doing anything about it. I have to obtain a new checking account. Perhaps the company should research who they are giving loans to. I obtained identity theft coverage and discovered that my social security number was leaked on the dark web. Everyone, please be safe out there and pay attention to your personal finances.

Updated on 11/27/2024: Update on my last review, after getting the runaround, I finally spoke to a lady Ashlyn ** Attorney Performance Specialist at Republic Finance. She stated that I was not being garnished and when I provided the proof that indeed I am she told me she would contact their attorney and ask why this is happening and tell them to stop the garnishment immediately. She also told me to call her back the next morning and everything would be taken care of so Republic Finance would be able to offer me a deal interest free. Well I called her back and guess what I once again was unable to talk with her, they took a message and said she would call me back and now it is 24 hours later and still nothing!

Hello good afternoon. Republic Finance is a very nice place to get a small loan. Stephanie is very helpful. Don't go to Tatiana, Tatiana is a little rude employee and a very sarcastic one. If anyone from republic finance would like to know why I speak about Tatiana that way. I can explain my experience with you. Thank you. And have a bless day everyone.

Few years ago got a check from them in mail. Said sign cash. Will call to set up payment. Was good till hit a rough patch. Called to see if could help someway. Got a, "No. Make your payment." So I missed it. Went to make one next month girl said, "No. You owe two." Refused to take the payment next month. I call. We're refinancing our home so our banker called. Asked for paid in full balance. Told them soon as appraisal is done you're gonna get a check. Few days later got a letter from lawyer. They're now trying to sue for even more money. Stay far away from them. I feel like they're a very predatorial loan company!!! Once they lost their previous manager. He would actually try to help you. It's bad..

This is as accurate as possible about this company that has no concerns for loyalty, regardless of how many times I have done business with them, 4 personal loans, and each time I experience unprofessional phone conversations with horrible phone etiquette and a very bootleg business type process, as if the employees are high school dropouts. I will tell anyone that will listen or read this review, do not, and I repeat do NOT use Republic Finance as a lending source, there are plenty of other companies that will lend you the amount of money needed with professionalism and business-like consideration. Please do not use Republic Finance for your lending source. Don't waste your time or your money. Period.

I had so much respect for your company until today…I’ve been having a hard time barely paying my rent and electric, gas, food etc. I’ve always had good credit and have always been able to pay my bills…but one of your agents deliver me papers today, smile in my face and blow me a kiss and tell me to pay my bills as delivered, was so disappointing and hurtful. I told her I could not pay it right now and that was her response to me. It’s saddening because of everything that is going on right now with everything going up and I had to switch jobs is the reason for my problems at this time is not ok. I planned on working something out but to be treated this way is upsetting

Management here in Lubbock. Oh man that lady makes you so mad. No help with anything here just, "Are you going to pay." They are rude. They are always telling me that we are going to sue me and take me to court. They are always threatening their customers here.

Been making payments on time, and yet received a letter stating payment is behind. No!!!! I have my records to prove it. They need to stop sending these notices. We'd be glad when we are done with this company. Will not associate with them anymore when we're done.

Management at San Marcos, Texas branch # 213 Republic Finance is disrespectful and discourteous. With all of the places that one can go to get a loan, why go to Republic Finance branch # 213 where the management will not treat you with the least of of respect. Go ANYWHERE else for a loan.

I paid off a loan with this organization two days ago and they took 337.00 out of my account today. Unbelievable. Guaranteed I'm going to go in there tomorrow and I'm going to get a two to four week return answer. It's always interesting when errors are made it seems to always benefit these institutions. I am going to report this to the state IG's office. BBB, Consumer Affairs and my congressmen who also is a Veteran. A lot of money for a disabled Veteran who fought in four wars for this country!

Applied and got approved for the loan in February 2020 for a $3800 loan. Made my first payment in March 2020. Of course COVID hit and everyone took a hit, but I still made my payment in April, May, June, July, then was late... Made another payment in September for August and September over $400. Payments made were well over $1500 total. Then in October begin receiving calls about my lateness and demands for payment, I asked about help due to COVID, was offered a refinance of the loan and the money approved would be applied to the late payment. I declined this offer as I was not interested in increasing my balance and still having to pay monthly notes that would be higher... Then came repeat calls about my late payments. This went on into the latter part of 2021.

Predatory Lending. I made an earlier complaint that I would like to correct. Republic Finance is not FDIC insured and is not regulated or backed by a bank instead they were bought out by one of the largest private investment firms. This investment firm is a spinoff from Citicorp. This investment firm is called CVC Capital Partners. You are not protected from this kind of predatory private lending, instead we have to take other measures to fight these companies. The federal reserves can't protect you from this predator and they know this. That's why you are experiencing low level response to your complaints. The knowledge that was just given to you was not provided when you took out your loan.

I have been a customer with this company for a couple of years, and I make sure that my loan is paid on time, but every I try to renew I can't get approved, and I am wondering why if I am a good paying customer. I asked for corporate's number to speak to someone there to express my concerns and mysteriously they didn't know the number. This particular time when I tried to renew my loan, they said I had to use my car as collateral, which I never had to do before. I wouldn't recommend using this company for any unexpected situations that may arise.

I have been a customer with Republic Finance for many years. The branch in Stone Mountain Ga. have the best customer service. I have always had a great experience and feel they really care about their customers.

Met with local office and issue was resolved amicably.

I’ve been a customer of Republic Finance for about 3 years. It’s been a good experience for me. I would recommend Republic finance to anyone that’s trying to get their personal loans. The staff is very friendly and knowledgeable about the terms and conditions.

I have just discovered Republic Finance and I have to say that that so far, I have not been disappointed. The staff have been really nice and helpful. If I ever need help in the future, I will definitely keep them in mind.

When making my payment I called the Stone Mountain office and I would be charged à fee. When I went to the website I would have. I had to pay a fee to make a payment. But a representative from "RF", did contact me to let me know my options to make a "No Fee" payment and I appreciated the gesture and the information shared because I felt that the customers were being used to make pure profit and was truly disappointed. I do hope the disappointment ends here and I can build a solid financial relationship with a company I can trust and not one that will fleece myself ànd others for profit via convenience fees.

I applied with little hope at a rough time of my life. Republic Finance worked with me to get me a personal loan that fit into my budget on the pay schedule. I could not have asked for better than service.

Customer service is AmaZing. But had a hard time in the beginning to TALK to someone. I fell behind and they were able to work with my schedule. I’m back to work effected this money and will get payments in as soon as possible to bring update to date.

Towards the end of the loan no one knew number of payments remaining, balance was given different answers each month. Got regional manager involved, they worked with local branch to resolve. Still not resolved.. Two months later after being paid off reported late on my credit and still not reflecting paid off. Asked multiple times over last months if it was done correctly. Answer was yes now see still not correct 2 months after paid off.

My husband and I took out a loan with Republic Finance in 2019. It started as a great move but the pandemic came in 2020 and caused us to fall behind in payments. We tried to make close the payment amounts but because our income significantly changed we fell behind. The manager at the loan office would be all nice but then we fell behind. The smiles ceased and the harassment started. We get continuous phone calls through the day. If we don’t answer they leave voicemails. Now we have received a letter stating our account has been referred to a lawyer’s office. We called the lawyer’s office and they said they are just a go between for Republic Finance and to call the local office to work out payment arrangements.

Everyone knows the interest rates are astronomical. You can’t check your progress on this loan. No statements whatsoever. And my amount owed has gone up substantially. I honestly think it’s a scam. They should be reviewed and shut down. Telephone conversations don’t help. They hire people who apparently couldn’t pass Algebra. And their website is down consistently everyday and offers no info about your loan when it’s working except how to send them more money. It’s a scam company. The only good reviews are the ones I’m sure they paid for.

I called to get a payment arrangement but was told there is nothing that can be done. I opted out of unemployment insurance which was all that could help. I was then threatened with legal action. Do Not Get A Loan From Them!!

I would highly recommend Republic Financial for a personal loan. I love that I can call and pay my monthly payment over the phone and get my receipt emailed to me. The staff has always been friendly and helpful for all my needs. I will definitely use them again in the future if I need to. Great company to do business with!!! I have used them for several years. I promise you won’t go wrong with Republic Financial for your personal loan needs regardless of what you are borrowing the money for. Home improvements, credit cards, or just needing some extra cash to catch up on bills that you may be behind on due to COVID or whatever you are needing extra cash for. Like I said Republic Financial Company in Anderson South Carolina is the place to go.

Received a check in the mail and decided to cash it. Oh boy, did I make a big mistake. I've only had the loan open for 5 months and always paid more than the principal. The balance online stated one amount and they still charged me more to pay off the loan. After speaking to multiple representatives and getting the run around I just gave up. Bottom line is, we just made a fool out of you. DO NOT RECOMMEND UNLESS YOU'RE JUST DESPERATE. Their practices remind me of title pawn. They need to be investigated.

I borrowed $6,000, after making 7 payments for $265, you wanna guess how much I still owe, $8,000. The finance charge is 31%. So bottom line is, I borrowed $6000, and if I paid it off for the 36 months term of the loan, I will have paid $9540. Do the math my friends!!! Borrow $6000, and pay them back nearly $10,000. Figure another way out...it is not worth it to get ripped off by these bottom feeders.

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.

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.