Republic Finance Reviews

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.

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!

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.

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.

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.

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!!!!

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.

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!

I wish I could give zero stars! Despite me not applying for a loan, Republic has reported that I took out a loan and sent me a bill. I have notified Republic in writing and by telephone that this is FRAUD but I have yet to receive a response!

Company sends 'loan' check to me, I didn't apply for/inquire for/sign for. Attached was a paper stating vague terms included insurance for death, job loss etc. Loan terms stated minimal info. Thought check was fake but wasn't. Googled RF & they are non-accredited and F rating with ex-staff & client's complaints & exposure as a scam.

** at Republic Finance, 130 Wildwood Parkway, Birmingham, Alabama 35209, was very helpful with our financial concerns today, 04/17/2019, and we highly recommend anyone to call 205-943-9334 and ask for **, who is the Assistant Branch Manager at Republic Finance. Thanks so much for the great service and Happy Easter too, and God bless! Mark, Birmingham, Alabama, USA.

First of all I have paid my loan on time every time for the past 10 years or so. Paid 3 or 4 loans off. They are sending me letters all the time saying we have 3-5k waiting for you. They got a new manager. The past 2 months I have gotten late notices even though they know it goes out 3 Wed of the month. The bank is slow not me. They can't seem to figure out a way to co change the due date. I phoned in a small loan of 3k on Friday. Lady told me, "Call back Monday." I called there 10-12 times, rang 10 roughly then went to voice mail. Called back this am no approval yet. It's now Tuesday. 12 pm no call back. Got thru to her. She said the loan was never pushed thru and she would call me back in an hr. She called me back, told me, "Great news. You have been approved for 2k." Told her was looking for 3k not 2. More than likely they did not feel like redoing the loan papers. I told them to forget it. Will just put it on one of my credit cards.

They absolutely refused to work with me in any way possible. When it came down to it I was threatened and told that I'd be hearing from their attorney. In the end I never heard anything and I get called to my company's HR department saying they're going to be doing a 25% deduction from my checks until it is paid in full. Worst loan company ever.

My account was paid in advance and my account balance went up. This affected my credit score and I am not the least bit happy about how they do business. This company needs to be investigated by the Federal Government for cooking the books. I am going to make a report to this effect also.

I can honestly say that dealing with this company is the absolute worse experience that I've ever had with a loan company. The office manager there is just rude, heartless and does not need that position period! Yes a loan company is to pay back the money borrowed and with this company I was not paying attention to the check. They mail you out to lure you in because I was waiting on a personal check from insurance company. Will be so thankful when I can get if I live to see it the last red cent that I owe them period.

My father which is 75 was diagnosed with cancer could not work anymore like he was. This said loan had been paid on for a year and never lowered. When he got sick stopped making payments cause he couldn't afford to. Called told them he was gonna go bankrupt the one where you pay everyone a little every month... During this process they sent him a civil suit so he turned over to his lawyer and when went to bankruptcy court they were the only collectors who showed up demanding 50 dollars more a month...

Well try call this company and it says call local branch to make payment. Tried 8 times within hr time and nothing but answering machine. Guess they're so busy and can’t answer phone. I regret my loan every day and wish I didn’t get it to buy my motorcycle but now I owe Republic Finance 3 times what I can sell bike for. So screwed. Can’t wait till paid off and be cold day you know where before I go thru this finance company again!!! Rather pick up cans or starve first!!! You will pay double or triple back and pay insurance on listing your toaster for collateral!!!

Seriously!!! These guys are Loan Crooks and make it their mission to ruin your credit too in the process. They have Pulled HARD PULL INQUIRIES On my credit report numerous times for no reason, Which knocks it down 5 or more points a wack. I called and asked why they are doing repeated HARD PULL INQUIRIES on me. The response I got was that it's in my contract that they have the right at any time to do a credit inquiry. Really!!! I've gone back and read every word of the contract and It doesn't say anywhere that they can do that. Once I understand at the time of loan approval but not REPEATED!!! Headed to my attorney's office in the morning to see what I can do. CROOKS I SAY!!! Would give a ZERO if I could. Somebody needs to stop these crooks.

One payment was returned due to a mistake by my bank. As a result, Republic will never again accept an ACH payment after just one returned item, no matter how long you've been with them. They charge a fee to pay via debit and I no longer live near a branch so can't pay cash in person. How does one pay their balance off if they won't take a check, charge you for using your debit card, can't pay online, and you don't live near a branch? Very antiquated business, unprofessional manager at Bedford, TX. An ACH payment is a legal form of tender in the state of Texas. Glad I paid them off early and will never EVER borrow from this unprofessional, inconvenient company.

Well I myself was treated fair but Republic took out a life insurance policy on me until this loan is paid? Is this fair? Can they do this? What's to say they put a hit out on me? 25,000 is a lot of ???. Does anyone know?

I have been dealing with this company since 2012. They were AWESOME!! Since January 2018 they have switched management, workers etc. NOW THEY SUCK!!! I was recently hospitalized and was out of work for a month, my loan fell behind because I am single and only have me to pay bills!!! I have faxed medical paperwork in they claim they didn’t get. I have tried to work with these people but the new management is HORRIBLE!!! The old crew Paige and Shannon were this location's backbone!!! These new people CAN GO SUCK A ROTTEN EGG!!!

Republic Finance Ruston, Louisiana - These people will call you every day 3 or 4 times a day if you are behind on your loan. They once ran thru a post date check of mine 2 weeks early and then argued with me that they didn't do it. I'm looking at my checking account and it very clearly shows that they ran it thru 2 weeks early. Just today, June 27, 2018, they called and left a message with the answering service on my job that they were calling about my account with them. First of all you don't reveal personal information like that to someone's job. I am sick of these nonprofessional people. I have turned them into the Better Business Bureau. If they send you a check, tear it up, shred it but in no circumstances do business with these people. I HATE that I ever did business with them. I wouldn't recommend them if my life depended on it.

I had an initial loan. They offered to loan me $1100.00 more 2 months after starting payment on that initial loan, and charged me as if I borrowed the balance of what I owed for the initial loan plus the $1100.00. This meant I had to pay over $8k for a little over $2k. After mentioning to the representative how I will pay this off quickly, she continued to hold this long distracting conversation while pushing all of these signature pages in my face for me to sign... Not realizing I was signing that I borrowed the remaining balance when I really didn’t. She made me believe they were adding another $100.00 to my initial monthly payment and paying that from now on until it was paid. That was all lies. Once I realized what happened, I called and sent communications to the corporate office, and no one ever returned my calls. I would not recommend anyone use Republic Finance EVER! They are a scam! I will NEVER IN MY LIFE have anything to do with them again.

Initially, Republic Finance was good to work with. However that changed. We got behind and then contacted them to catch things up. They sent a "collection" person who forced his way into our apartment complex by knocking over one of the residents. This person delivered papers and was aggressive again when he came to our door. I contacted the attorney and the Republic office. I went in set up to have payments drafted twice a month. The manager said that she couldn't give me a balance at that time because she hadn't heard back from the attorney.

I did not apply for the loan, Republic sent me a check for $3206.17, so called the business to ask them about the payments, and if I paid it off before 30 months would there be any penalties. "No," that what Dustin an employee there, went to pay it off, now it's another story and Dustin no longer work there, I spoke someone name April, she claims it's 30 days and the interest goes away, so she want me to pay the interest for 30 months.

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!!

I've done several 'Live Check' Loans with Republic. One was for $1300, paid that back in 30 days, one was for $1900, paid that back in 3 months, etc. They are always great. I've tried to get loans with other places for much LESS, gone through long processes, only to be turned down, whereas Republic will always write me, no questions asked. Outstanding. Madison TN location (North Madison) 100% outstanding - Brandon is AWESOME!

1 Nov 2017 I was approved for the said loan! Ryan requested a payment of $275 since my credit was bad... Per the FTC I must pay before receiving the said loan! Told me to get iTunes gift cards! I did, then he said the FTC stated I must pay another $275. I said I will not pay anymore and requested my $275 back! I have not rec'd it back!

Republic Finance sent me an unsolicited live check in the mail and continued to harass me every day for more than a year trying to get me to borrow more money. Turned off website payment access and required that I call their corrupt lawyer buddy directly to make payments in order to milk another $45/month for being 15 days late, while I was trying to relocate out of state for new job. Refused to accept phone payment per instructions in Republic Finance letter in order to garnish wages and get money back quicker. Very, very corrupt.

DO NOT USE THIS COMPANY! It's a total rip off! For starters, my husband and I took out a title loan in 2012 for a total of $5,000. Our payback amount was close to $10,000! Before the loan was paid out, my husband decided to take out another loan of $3,000. That started the loan over again and the balance was over $8,000! Again, he stupidly wanted to take out yet another loan WITHOUT MY CONSENT some years later, this time for just $1,000. The balance jumped from $6,000 to over $8,000! I didn't realized he took out another loan until I noticed the balance PLUS I received a denial letter from the company.