Republic Finance

Republic Finance

 1.7/5 (95 reviews)

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Overall Rating1.7 out of 5
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About Republic Finance

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.

Pros & Cons


  • Secured loans up to $25,000
  • Some customers can apply and close online
  • Online pre-qualification
  • Secured loan curbside closing available


  • Not available in all states
  • Charges origination fees

Bottom Line

Republic Finance provides various loan types in 11 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.

Top Republic Finance Reviews

Rated with 5 stars

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 en...

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Rated with 5 stars

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...

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What is Republic Finance?

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

  • Auto-secured loans
  • Bill consolidation loans
  • Emergency loans
  • Holiday loans
  • Home improvement loans
  • K-12 loans
  • Personal loans
  • Vacation loans

Republic Finance can pre-qualify you online without affecting your credit score. You may also be able to pay your loans online via ACH or debit card.

What does Republic Finance do?

Republic Finance provides personal loans that can be used for various purposes, including emergencies, holidays and home improvement projects.

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 $25,000.

Republic Finance loan requirements

Republic Finance doesn’t disclose its underwriting critera for loans. Loan terms, rates and origination fees apply based on your state of residence and may also vary depending on your credit.

All loans and renewals are subject to approval pursuant to standard underwriting criteria. Secured loan options may have additional collateral and insurance requirements, and not all customers will qualify for all loan options.

Republic Finance interest rates

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

  • Credit history
  • Loan amount
  • Your income
  • Available 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 operates in:

  • Alabama
  • Georgia
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Ohio
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
Can I apply for a loan with Republic Finance online?

Qualified customers may have the option to complete the entire loan process online. You can complete the pre-qualification process on the Republic Finance website. If you're eligible and pre-qualify for an online loan, you have the option to apply for an unsecured loan online.

What types of loans does Republic Finance offer?

Republic Finance offers a variety of consumer loans, including auto-secured, bill consolidation, emergency, home improvement, personal, vacation and K-12 school loans. It’s worth noting that this company’s auto loans are vehicle title loans, not loans for purchasing cars.

Does Republic Finance have a credit score requirement?

Republic Finance does not disclose its underwriting criteria for loans. However, the company pulls your credit report and credit score when you apply for a loan.

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 that may impact your credit.

Is Republic Finance legit?

Yes. Republic Finance serves more than 300,000 customers in over 200 communities in the United States. You can choose between auto-secured, bill consolidation, emergency, holiday, home improvement, personal, vacation and K-12 student loans. It offers online pre-qualification and loan re payment via its online payments portal. Its APRs can be high, however, and the company does not operate in every state.

Republic Finance Reviews

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  • Rated with 3 stars
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  • Rated with 1 star

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Page 1 Reviews 0 - 10
Rated with 1 star
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Verified Reviewer Verified Buyer
Original review: March 15, 2023

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.

Received an email from an attorney regarding a garnishment order that had been approved in the amount of $4800+, I was never served with a garnishment hearing, so of course I didn't show up in court (I would have if I had been notified). Regardless of this, where I worked was served with a garnishment order, a response was given as to how much would be withheld from my check each week and sent in at the end of the 4 week period on which date. That payment was not sent in. Received another email from the attorney that the payment was made and that the company was in breach of the order. This was on December 4, 2021.

December 8th, the entire garnishment amount they sued for was paid in full plus the Lexis Nexis fee to make the payment was made over $4800. January 2022, these people reported to the credit bureau that my balance was $3803. I disputed the reporting of this information and provided a payment receipt that the entire balance owed to them had been paid off through the court's garnishment order in December 2021. They responded to the dispute that the information was reported correctly and Equifax and Experian did not remove it. I disputed this 2 more times and still they responded that it was accurate.

October 31, 2022, I call Republic Finance dept., they forwarded my inquiry to a litigation mgr. and they never called me or removed this inaccurate information. This went on the entire remaining year of 2022. November, I then called the local business, and the guy on the phone first told me to call that department back, I rejected this, he pulled up my account and preceded to tell me that I had a $143 balance and would I be paying that on the call. I told him I don't owe them anything and asked did he hear anything I just told him that the entire balance was paid off in December 2021. That call ended with me hanging up on him and telling him I am getting an attorney to sue them.

December 2023, these people report to the credit bureaus that I have a balance of $148 and charged off. In February 2023, I dispute this again and the status is updated to $0 balance, Paid charge off. I then file a complaint with CFPB regarding Fair Credit Reporting against Republic Finance, Equifax, and Experian and advise in said complaint that since my complaints and dispute are being totally disregarded and it is affecting me emotionally and financially, I am ready to sue republic, Equifax, and Experian for violation of the Fair Credit Reporting act and anything else their actions fall under.

I received an update from CFPB on March 13th, that Equifax and Experian is preparing a response and what their actions will be, but Republic Finance is yet to respond to the complaint sent to them by CFPB with file attachments of all the records I provided (payment history, garnishment payment receipt, dates of payments and other interactions with them, dispute dates and outcomes, screenshots of the credit report and their reports to the bureaus) whereas a bunch of months, they didn't report anything, not even the payment made in full on December 8, 2021. This was the short story...but, long story short, stay away from this company if you want to keep your sanity...

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: Jan. 25, 2023

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.

This companies predatory lending is based on innocent ignorance. These non bank backed finance companies have employed a plan to fight financial markets' loss by way of under table lending practices. Lending you money that isn't really there is the key to predatory lending. If any one has questions, please respond to this post. FYI, the reason you are not receiving statements with a explanation of your balance and interest calculations, is because they are not required to follow ( Regulations Z). If you don’t know what that means google is friendly. Thanks for your attention.

2 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 7, 2022

    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.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 10, 2022

    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.

    2 people found this review helpful
    Customer increased Rating by 2 stars!
    Verified Reviewer
    Resolution response: Oct. 3, 2022

    Met with local office and issue was resolved amicably.

    Original review: July 20, 2022

    As a present customer, I received a flyer for July Customer Appreciation Month to refinance my loan to skip two payments. I applied over the phone at a local branch as directed. Have paid on time with current loan for over months with no concerns. After several days I never received a call back to inform me if I was approved. When I called back to inquire of the status of the loan, I was told they had not heard back from the underwriting team and will let me know as soon as they did. It has been two weeks since I applied and I have not heard anything back. Way to appreciate your loyal customers. A simple call back with a yes/no would have sufficed. As of this day; nothing.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 9, 2022

    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.

    Republic Finance response

    Thank you Carlous! We appreciate your business.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 25, 2022

    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.

    4 people found this review helpful
    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: May 19, 2022

    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.

    Republic Finance response

    Oh no, sounds like there was a communications issue for sure! We would like the opportunity to speak with you to better address your concerns. Please feel free to contact us at 1-800-317-7662 or Thanks!

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 15, 2022

    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.

    Republic Finance response

    Woohoo! We love that we were able to help you get through that. Thanks for the review!

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 14, 2022

    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.

    Republic Finance response

    That's great Juanita! We love a happy story :) Thanks for your review!

    2 people found this review helpful
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    Republic Finance Company Information

    Company Name:
    Republic Finance