Republic Finance Reviews

I accepted a loan from this company to consolidate some debt. We never missed a payment. In February 2016, I was hospitalized in a coma. The company did not believe despite photos and doctor's information. They refused to speak to my wife and demanded to speak to me while still in a coma by the way. So, payments were now late but arrangements were made. This company then decided to take us to court. We went through mediation and agreed on an amount to repay monthly with zero interest or fees. Well, they have continued to charge interest on every payment despite the judges signed order. Contacted mediation and they contacted Republic Finance. Republic Finance said they have the right to continue to charge their high interest. So, now we will take them to court for not honoring this court agreement.

When applying for a loan, process was smooth. But when the checks were deposited in my account they were fraudulent checks. Therefore bouncing my account all over. When trying to reach them no response. Now they finally said that I had to pay them money in order to get my accounts unfrozen. Be careful of this company. Checks do not come their company, but from some other company. Think twice, please.

When my husband and I were late on a few payments they decided they would put a hold on our bank account… which means every time he gets paid they take it all. My husband signed a legal document stating it was garnishments that was being taken but that was not the case!! We have 3 child who just started college and they took everything anytime we put $$ in the account. We will never ever get a loan from this company again & if you are thinking about it I would definitely think TWICE!!!

After having heart attack and being back on my bills I applied to refinance my loan. I was denied because of credit check report after being sick. Making sure that I make my payments so I can have a backup now. I don't know what I'm going to do right now but I'll make it. No thanks to this company. I wouldn't even read them. They are a 0 a my book. I will recover but with everything I do I will pull this company and hope that they go bankrupt so they can feel how I feel.

We received a loan for $1300 to use to pay a medical bill that was related to my recent pregnancy. We used the New Orleans branch to get everything set up. Their staff was very helpful and friendly. Republic Finance helped me out when no other companies would approve my loan. Thank you so much!

My niece is the loanee... she called today crying pleading for help. This company REPUBLIC FINANCE as above. She sometime ago got a "loan" from this company. She is on welfare and a single mom with kids. She now is receiving threats from this company for missing this month's payment. With inflated interest charges. I just checked out the company and it has the worst reputation of any business I have seen. I was going to try to make a payment for her but obviously it will not help in the end. PLEASE INVESTIGATE this company. They are doing illegal collections and inflated interest that can never be paid off. No matter how small the loan is. This company is leeching from poor people who are desperate however it's still not MORAL. You may contact me back for any other info... but PLEASE INVESTIGATE THE BUSINESS ASAP. Thank you.

My family was experiencing hard times due to my husband being laid off from work (oil and gas industry). We were falling behind on bills and reached out to Republic Finance for help. They gave us a loan for $1650 to help out with the past due bill of ours. My experience has been extremely positive with all of the Baton Rouge staff. I have it setup to automatically take out my loan repayment each month from my bank so I don't have to worry about not paying. Thank you Republic Finance for helping me and my family.

I have never missed a payment and always paid on time through direct payment taken from my account. Now I pay directly at the location. First they sent me a text on the 3rd of the month to ask what date I will be making the payment. I gave them the date but and then they called back to tell me that I need to bring cash, which I had been doing ever since I started paying at the location. After telling them I would be there before closing they then still insisted on an exact time. I gave them a time and the next day they send me a letter requesting payment again. I will NEVER EVER USE THEM AGAIN AND RECOMMEND TO OTHERS TO CHOOSE ANOTHER LENDING FIRM. RUN WHEN YOU HEAR THE NAME REPUBLIC FINANCE.

This company is extremely difficult to work with & unprofessional. They had our address wrong for a year. When they finally did send us a bill they told us we had to catch up on payments. They have even admitted they had the wrong address the entire time. Once we finally talked to them on the phone & got the payment amount and address correction, we began making monthly payments. Even though we still weren't receiving statements. We've spoken to them numerous times and it has taken months to get the statements in the mail. Yet, still we made payments.

They are not to be trusted. Read all fine print. Don't let them rush you like they did me. I could go on and on but basically go anywhere else. I got behind a total of 48 days which is a lot but only 1 and 1/2 payments. Told them at 46 days late I would be receiving a small inheritance in about 5 days and offered to show them the legal documents. Instead of working with me they had me served for collection w/in days later at 48 days late so they could charge me extra interest court cost lawyer fees in a different county? Strange.

Do not use Republic Finance. They are the worst company operating. I borrowed $400 and missed 2 payments of only $69.00 totaling $138.00. I went to make the payment and learned they have already started the process to garnish my wages. A total of $2100 with late fees, court fees and unknown heard of fees. Now they have received their funds and continue to garnish my wages as they reported they have not received the funds from the attorney so they cannot notify my employer to stop garnishment until they have received all of their money. RIP OFF.

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.

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.

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.

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 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.

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".

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.

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!!

I have a loan with this Company, but seems to Me they do not want to cooperate with me and always keeps calling my place of employment, harassing me and making threats towards me. They are trying to sue me on false pretenses and when I try to call them, they do not answer. I'm thinking of hiring a lawyer to investigate Republic Finance and sue them, and sue them HARD.

When my husband died and I needed to move. Republic offered me a loan. I was desperate and my credit was like 520 so I took it and moved in Aug of 2013. I made my payments. When my car broke down I needed a small amount to fix it. I contacted them and they transferred my account in Feb of 2014. The lender here did not pull a new credit score which was now 670 and charged me 47% interest. Fine I had no choice I needed the $400. Over the course of 6 months I paid them $930.00 on a $2500 loan balance. When I went to pay the loan off today I wrote them a check for $2016.00. I almost fainted. That is $400 interest for 6 months. Man I will hitchhike next time before I ever do business with these crooks again. They are nothing but shysters.

Managers do not provide full disclosure. I took a loan. Without my knowledge I found out they added life insurance to the loan (I already have life insurance that I've been paying into for 14 yrs), also added insurance for my personal property. (I am a home owner and I am full covered for fire and theft.) A loan of $4000 turned out to be a loan of $8000. There have to be a law against what they are doing.

I have had trouble making payment and when trying to get another office to help, you cannot get anyone who understands what is going on. They hound you all the time with calls and want you always to refinance with them. I have asked them numerous times to stop calling my cell phone.

I am filing this for my mother who is deaf and was a victim of an online scam. As a result she was directed to go take out loans. She went in to Advance was given a loan and sold a car club membership along with life insurance. Because she is deaf, she needs to have an interpreter with her so she is fully aware of what she signed. She had no idea what she signed up for. She knew she was getting a loan but didn't realize that the rates were high and that she signed up for other stuff. She doesn't fully comprehend all she reads.

They have been billing me wrong for over six months and I have called twenty times to get a reply but no call back. When I reach Scott or Dave, they tell me that they will take care of the problem, but they never do. I have over-spent on these bills long enough and I still have a broken dumpster that they were to fix six months ago. Please help.

I have asked this company not to call my place of employment in the past. I have requested with the manager Shawn, that they not call me at work. They continue to harass me on my job. If I lose my job I cannot pay anyway. There is only one payment due each time this happens. She has made threats that the way I understand it you cannot threaten me unless she fully intends to carry out the threat to pick up my security or sue me. She has an attitude with me every time she calls. I want the calls at work to stop immediately. If they so wish to file on the account then do so and not keep threatening to take action or harass me on my job. I have paid a payment in the past and she called me the next day wanting it again. This time I left message on their phone returning their call and she still called me today, 6/24/2010, about the one payment.