The minimum repayment period is 12 months, with a maximum period of 60 months. US. Republic Finance offers AutoPay in the form of recurring debit or recurring ACH payments. See all the reviews>>>The average time to complete loan paperwork is less than 12 minutes, but many people complete it in less than 10 minutes. I could not have asked for better than service. You must borrow at least $1,000 to participate in this offer. Republic Finance provides personal loans that can be used for various purposes, including emergencies, holidays and home improvement projects. Message and data rates may apply. The ability to set up AutoPay may be limited based upon certain account statuses. Unsubscribe at any time. I would be extremely wary of this. Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. Copyright 2022 Consumers Unified LLC. If you are interested in a loan or line of credit, you should shop around for information about the benefits and costs of all options. Scammers sometimes send fake loan offers via mail, email, or text. Its easy to tell if you may qualify to receive a personal loan; simply use our online pre-qualification tool. In this example, the total amount paid to Time Financing Service is $1,956.40, meaning the total cost of the loan would be $456.40. I wouldn't recommend using this company for any unexpected situations that may arise. Learn more about check scams from the FTC. You can agree to this loan by endorsing and depositing the check into your bank account. If you are worried about bad credit and that you wont qualify for a personal loan, you can always run a pre-qualification check without affecting your score. ConsumerAffairs is not a government agency. Republic Finance Sign in to your account Username Forgot Password? Have paid on time with current loan for over months with no concerns. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Republic Finance does not provide loans in every state. All refinance applications and closings must be completed with a branch employee, and not on our website. To opt out permanently, visit OptOutPreScreen and return a signed Permanent Opt-Out Election form, which they will send after you make the request. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (APR) and a 60-month term, your payments would be $226.47 per month. Pending the review, once youre approved, youll receive all the details of your prospective loan. Save yourself time and make your payments online from anywhere with your debit card or checking account! You Received a Check in the Mail? All loans subject to current credit policy of Time Financing Service . 4 Apply Now Thats exactly why weve extended this exclusive offer to you; to make sure you have the money you need to pay for all those expensive holiday gifts. Visit site: www.republictaxpayer.com Contact by phone: 1-866-581-1040 Community Donations Republic Bank proudly supports local nonprofits. Debt Collection Agencies Regional Finance Laurens, SC 1.5/5 (174 ratings) Are you this business? characters. All loans and renewals are subject to approval pursuant to standard underwriting criteria. The staff is very friendly and knowledgeable about the terms and conditions. A loan check is a preapproved loan offer. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. Be sure to read all the fine print to determine whether the check is a refund from a reliable agency such as the Internal Revenue Service or it is a common Live Check Loan.. FAQ. Will I receive confirmations of my payments? Republic Finance is an amazing company. Upon cashing the check, you became bound to the terms and conditions of the loan offer. We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. A privacy notice about the sharing of your personal information, Your right to exclude your name from future offerscalled an opt-out notice. Republic Finance can service your loan through our call center and our secure online portal options. A live check is a preapproved or prescreened loan offer that you did not apply for. Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. What is an APR on a payday loan and how should I use it? Payments using your bank account information will post the same day if made before 4:00pm Eastern Standard Time. loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. Contact your local branch or Republic Finance at 1-833-907-1734 to determine the total amount necessary to pay the entirety of your loan. We also offer secured loans at our physical branch locations. But had a hard time in the beginning to TALK to someone. Property auto insurance does not replace and is not a substitute for liability or other insurance required by state law and/or your loan contract. Current customers: some current customers may not be eligible for a loan refinance. Let us help you take that family trip or have some fun with friends! For more information about reviews on ConsumerAffairs.com please visit our Your Account Number will be a combination of your Branch ID and Republic Finance Account Number in the following format: {Branch ID}-{First set of numbers}-{Second set of numbers}. Learn more about check scams from the FTC. Choose which type of loan you want to borrow. Maintain all prospect . Republic Finance doesnt disclose its underwriting critera for loans. Be sure to read the fine print included with this check to determine whether this loan is right for you. No. Box 740123, Atlanta, GA 30374-0123; Experian Opt Out, P.O. Answer was yes now see still not correct 2 months after paid off. Its that simple! We would like the opportunity to speak with you to better address your concerns. Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice. What is my "Account Number" in the online portal and automated phone system? We are always willing to assist our customers who are experiencing financial hardships. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit OptOutPrescreen . How do I stop these unsolicited loan offers? The second payment of the not just came due on November 26th and isn't even late per the contact of the live check till the 15th of the month and yet they call my cell phone constantly with blocked numbers and harass me at work. "OPC*Service Fee or ACI*Service Fee." I already cashed the check. Your loan representative would be glad to review your costs with you during the application process. Please exercise extreme caution if you choose to make a payment through any website other than those sites accessed through your online account or on the Republic Finance website at www.republicfinance.com. Refinancing a loan replaces your existing loan with a new loan that potentially has a new interest rate, revised terms, and/or revised repayment timeline. back of the loan check and deposit it into your bank account. Voluntary product insuranceoptions and terms vary depending upon the state in which the branch you booked your loan is located. Motor club membership is not a voluntary product insurance. 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. A live check loan is a loan offer sent by lending agencies to pre-approved borrowers offering a small loan, usually $500-$2500, typically at very high interest rates often above 25% APR. Your Account Number can be located on your original loan documents, payment coupons or recent letter from Republic Finance. If youre 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). Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan voluntary product insurance. Republic Finance does not disclose its underwriting criteria for loans. If you cannot afford the payments as described in the offer, contact the lender about possible options to repay your loan. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Credit involuntary unemployment is insurance that pays an amount toward the debt if the insured becomes involuntarily unemployed due to a non-seasonal layoff, termination by employer (other than willful misconduct), labor dispute or lockout, or any other qualifying event, for a period lasting longer than any applicable waiting period. I applied over the phone at a local branch as directed. Hi Christie, thank you for taking the time to tell us about your problem. Congratulations! You can check the status of an online application by logging into your application account, Yes, it is a real loan check! You can also see if you prequalify for an unsecured loan on Republic Finances website. What is a live check loan? 1. Most customers can apply and get approved for a personal loan completely online. All other payment protection insurance products are optional. Way to appreciate your loyal customers. This loan offer will include a check made out to you ready to cash. In 2020, Regional Finance mailed nearly 113,000 small loans ($500 to $2,500) to customers in the form of live checks, according to its annual report. For example: A date of birth of 1/9/1989 should be entered as 01091989 with no slashes or dashes. Thanks for your attention. It will depend on your bank. We love a happy story :) Thanks for your review! Customer service is AmaZing. origination fees, closing fees, documentation fees, and other finance charges) and is expressed in terms of a percentage rate. Not all consumers will qualify. If you prequalify, then you should be able to view your options after a swift credit check. Our payment processor will charge this fee to the same debit card used for and in the same transaction as the one-time debit card payment. This creates a loan that you must repay on the due dates described in the loan agreement. Opens at Tue 8:30 AM. *There are a number of factors that influence your credit profile and credit score. Thank you Carlous! Loans Republic Finance, LLC Business Profile Republic Finance, LLC Loans Headquarters Multi Location Business Find locations Contact Information 7031 Commerce Circle, Suite 100 Baton Rouge,. I have only had a positive experience with Republic! ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES: Develop referral contacts (realtors, builders, professionals, and personal contacts) for 1st and 2nd mortgage loans. Secured loan applications and closings must be completed with a branch employee, and not on our website. Of your loan through our call center and our secure online portal and automated phone system loan terms may. Tell us about your problem coverage and memberships to ensure you are not obtaining unnecessary coverage on your creditworthiness OPC! Not have asked for better than Service years, call 1-888-5-OPTOUT ( )... To this loan by endorsing and depositing the check into your bank.. Pre-Qualification tool 30374-0123 ; Experian Opt out for five years, call 1-888-5-OPTOUT ( 1-888-567-8688 ) visit... Republic bank proudly supports local nonprofits offerscalled an opt-out notice hi Christie, thank you for the. Card or checking account youll receive all the details of your personal information, your to... 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