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Republic Finance

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LAST UPDATED: April 25th, 2023

As a direct personal loan lender, Republic Finance facilitates the loan application process, offering multiple types of consumer loans, from auto loans to holiday loans and personal loans.

With branches in Alabama, Georgia, Kentucky, Louisiana, Mississippi, South Carolina, Tennessee, and Texas, Republic Finance has serviced nearly 300,000 customers. Republic Finance is focused on providing safe and affordable funding and assistance in the loan process through a commitment to customer service.

Continue reading for pros and cons, and Republic Finance reviews from real customers.

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The Good

  • Variety of Loan Types
  • Time in Business
  • Customer Base

Variety of Loan Types

Republic Finance has multiple loan offers to appeal to a variety of different consumers. However, information regarding annual percentage rates, loan terms, and origination fees, are not readily available on the website. You will have to speak directly to Republic Finance for more information or complete a pre-qualification application.

It is important to note that the pre-qualification application required for any type of loan will not affect your credit score.

Time in Business

Republic Finance has been in business since 1952, giving the company decades and decades of experience in the lending industry. This can provide peace of mind to consumers that want to ensure their chosen lender has ample amounts of experience and knowledge in the personal loans industry.

Customer Base

Republic Finance has serviced almost 300,000 customers since its opening in 1952. With decades of experience and a large customer base, consumers may have peace of mind knowing Republic Finance isn't a new company and is a leader in the lending industry. 


The Bad

  • High APR
  • Limited State Availability
  • Missing Information
  • Lack of Reviews

High APR

Although Republic Finance does not disclose exact APR rates up front on their website, it does indicate that the average interest rate is below 35.99 percent APR. 

Republic Finance provides the following example of a personal loan: "If you borrowed $6,000 with a 27.33% APR and 60 month term, you payments would be $300.46 per month. This average is based on an average customer with good credit."

An interest rate of 27.33 percent APR is quite high for a customer with good credit, and lower rates can be found with other lenders. Particularly if you have a good to excellent credit score, you could likely get better and lower rates and terms with a different lender.

Limited State Availability

Republic Finance only has branch locations and offers services in the following states: Alabama, Georgia, Kentucky, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, and Texas. Because Republic Finance is only available in these states, they may be more flexible than other nation-wide lenders, approving loans for borrowers with bad credit that may not be approved otherwise with a larger lender. 

Missing Information

One complaint against Republic Finance is its lack of information. Unfortunately, when a potential customer visits Republic Finance's website, there is not much information regarding its consumer loans offerings. Republic Finance requests that individuals immediately fill out a form to receive further information. It asks for your zip code, the amount you'd like to borrow, how you plan to use the funds, etc.

Republic Finance does not list its annual percentage rate range, credit score requirements, origination fee amount or other loan fees, or whether or not it has variable rate loans or fixed rate loans. The borrower will have to contact Republic Finance directly if he or she would like to receive more information without having to first fill out a form.

Lack of Reviews

Republic Finance reviews are limited, making it difficult to know what its customer service is like and what the consumer satisfaction level is with this financial lender. This also makes it difficult for a potential customer to quickly and easily compare the lender, its credit score range, its loan amounts, and additional requirements to other personal loan providers in the industry. With the lack of information and reviews, we suggest looking into other lenders with satisfactory reviews and more information before making your purchasing decision. 

View Best Personal Loan Companies


The Bottom Line

Republic Finance is a personal loan provider that has been in business 1952. The lending company has years of experience and a variety of loan offerings, including personal loans, automobile loans, bill consolidation loans, etc. However, there is a lack of information on its website and the company's reviews are limited, so it is difficult to compare the lender, its customer service, and its overall offerings to others in its industry. It's also difficult to know if a certain consumer qualifies for a Republic Finance loan with limited information provided on its website.

We suggest individuals look into other top-rated personal loan companies that have more information readily available regarding its rates and terms. You can check out Republic Finance reviews below if you want to see what individuals have said about its financial services thus far. 

View Best Personal Loan Companies

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13 Reviews

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Ms. Williams Columbia, SC

I would not recommend doing business with this company. They offered me a "debt consolidation loan" to pay off my other loans. I now have a payment of $431 each month for this loan, the interest rate is insane. I lost my job recently, I was able to find a new job, but making less money than I was making with my last job. I communicated this with the office, all they care about is that my account is a "large loan" and they want it paid. I will be taking my business elsewhere. I will go back to my previous loan company, I didn't have to deal with the rudeness. Please find another loan company to do business with.

1 year ago

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F Ma Knoxville, TN

I don't know where they get the reviews on their site, the reviews are not accurate for sure. The way they treat you in the office after you cash one of their pre-approval check that they send you in the mail is unreal and I will never do business with them again and will never recommend them to anyone anyone needing money they would be better off with a title loan and would save money with a title loan instead.

1 year ago

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Sandra Goff Walterboro, SC

My experience with Republic started off great, until I paid the loan off on 11.04.2021. received confirmation that the loan was paid in full. Then on 11.30.2021 i get a phone call stating there was an error and I still owe $233.15. I will not recommend or ever do business with them again. Also make sure you keep all documents when you pay them off.

1 year ago

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Crisosiris Seymour, TN

50.00 dollar court fee each month your late, plus 15.00 dollar late fee and they're ready to garnish costumers income if they're late each month, they add collateral insurance fee, car club fee, life insurance fee, unemployment insurance fee but on their contract it states those fees are not required to get the loan, they just make the costumer believe it is part of the loan

2 years ago

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Mandy Abasi Jackson, TN

Republic Finance is a fraud! I paid off my balance to zero in 2019 but yesterday I got a bill saying that a have a balance due. This is unacceptable! They are trying to get money from me for no reason. I called their office back in 2019, I was given the payoff balance and I paid it off back in May of 2019, but now in 2020, they are telling me I have a balance due. What a fraud!! Everyone, please stay away from this fraudulent business!!

2 years ago

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mike borders Dayton, OH

They will call you up to let you know that you have funds available just to ask you about your payment that is due they don't get straight to the point and ask you they just beat around the bush

10 months ago

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Favela Chic NOLA Gretna, LA

Never do business with republic finance, they are not honest people, if you late they still all your money in late fees and bring you to court, I am talking about office in New Orleans Louisiana, Their Lawyer is a Shark, never ever think in do business with this people,

2 years ago

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Mark Halburn Lancaster, SC

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!

3 years ago

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Cece Atlanta, GA

For a personal loan, they add on other fees like roadside assistance and disability insurance and they raise the value of the loan and finance these amounts. i am gonna see what can be done about this.

1 year ago