Click Here. The money can be used for almost anything including: Note: This pre-screened offer of credit is based on information in your credit report indicating that you meet certain criteria. Call (833) 907-1737. Met with local office and issue was resolved amicably. Have paid on time with current loan for over months with no concerns. Upon cashing the check, you became bound to the terms and conditions of the loan offer. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan voluntary product insurance. For more information about reviews on ConsumerAffairs.com please visit our A live check is actually an unsolicited loan offer. To make a payment online you will need to enter the following information: Account Number Date of Birth (MMDDYYYY). Its APRs can be high, however, and the company does not operate in every state. We would like the opportunity to speak with you to better address your concerns. Let us help you with K-12 school year expenses such as new uniforms, books, or supplies. Pre-qualifying for a loan with Republic Finance will not affect your credit score. A loan check is a preapproved loan offer. The APR is the interest rate plus the fees you may be required to pay on the loan (i.e. Thank you, you have successfully subscribed to our newsletter! This investment firm is called CVC Capital Partners. Republic Finance does not authorize any payment processor to advertise payment processing on our behalf. * To the extent not prohibited by applicable law, our third-party payment processor will charge a convenience fee of $2.95 per payment whenever a one-time debit card payment is made online or over the phone. Republic Finance provides various loan types in 11 states, and you can pre-qualify online. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year. While its not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options. Motor club membership is not loan payment protection insurance. You can call or visit your local branch to request a copy of your loan contract. Yes. The purchase of any required insurance from Republic Finance is optional. Let us help you celebrate the holidays with your family and friends! To reject the loan offer, you should securely destroyby shredding and throwing awaythe live check to avoid potential fraudulent use by others. We value your privacy. Be the first one to find this review helpful. Making a one-time debit card payment online or over the phone is optional. Secured loan applications and closings must be completed with a branch employee, and not on our website. Thanks! I could not have asked for better than service. Property auto insurance is insurance that protects the insured creditors interest in the borrowers collateral (vehicle) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. 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. If you've received a loan check in the mail, you've already been pre-approved for a loan For secured loans, customers must apply in person at one of its 160+ branch locations. I made an earlier complaint that I would like to correct. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. If approved, you'll receive your funds within 1-2 business days. ConsumerAffairs is not a government agency. 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 nd others for profit via convenience fees. Message and data rates may apply. 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 have only had a positive experience with Republic! If I ever need help in the future, I will definitely keep them in mind. Asked multiple times over last months if it was done correctly. No. Got regional manager involved, they worked with local branch to resolve. We service customers outside our physical branch locations. How do I know I can trust these reviews about Republic Finance? This creates a loan that you must repay on the due dates described in the loan agreement. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finances website. After signing, you could either receive your loan proceeds directly into your bank account through an ACH transfer (within 1-2 business days), or you could receive your funds in the form of a paper check as soon as the same day if you go to one of Republic Finances 250+ branch locations. The in-branch loan closing time is an estimated 60 minutes. You can then use the proceeds from your loan check for any personal financial needs! Loan Payment Protection Insurance (PPI), also known as credit insurance and/or credit protection insurance, is an optional insurance you can purchase to assist you with making loan payments when certain unexpected events prevent you from making your monthly loan payments. What information is required to make an online payment? 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. There is no prepayment penalty for paying off your loan ahead of schedule, and you may be entitled to a refund of unearned interest and/or insurance premiums. We offer loan checks even in areas where we don't have a physical branch or areas where we may not yet offer all our digital options. Box 505, Woodlyn, PA 19094. The check should come with the following information: Live check loans may have higher interest rates than other types of personal loans or credit cards, so its a good idea to shop around and compare terms before accepting a live loan check. Received my unsolicited 40% interest loan check in the mail. Secured loans are available up to $25,000. Debt Collection Agencies Regional Finance Laurens, SC 1.5/5 (174 ratings) Are you this business? 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. Applying for an online personal loan is simple:3. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit OptOutPrescreen . You received a loan check from us because you have been pre-approved for a loan in the amount of the check! When closing a loan in a physical Republic Finance office location, you will receive your funds same day in the form of a paper check. A loan with us is money that you borrow at a fixed rate to use for your personal financial needs. When making my payment I called the Stone Mountain office and I would be charged fee. Yes! A link has directed you to this review. Republic Finance serves more than300,000 customers in over200 communities in the United States. 554 South Pike West Road. The APR is the interest rate plus the fees you may be required to pay on the loan (i.e. Some customers may not be eligible for all loan types. The following will appear on your bank statement: A simple call back with a yes/no would have sufficed. Loan terms, rates, and origination fees apply based on your state of residence and may vary depending on your creditworthiness. If you are interested in a loan or line of credit, you should follow these few simple steps: If you decide that you want to accept the loan offer, simply endorse the back of the check with your signature and cash or deposit the check to your bank account. To make payments online you can. Enjoy reading our tips and recommendations. Secured loan applications and closings must be completed with a branch employee, and not on our website. Get buying tips about Payday and Title Loans delivered to your inbox. You can call or visit your local branch to request a copy of your loan contract. origination fees, closing fees, documentation fees, and other finance charges) and is expressed in terms of a percentage rate. Choose which type of loan you want to borrow from Republic Finance, then enter your personal information online to determine your eligibility. Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. If you're eligible and pre-qualify for an online loan, you have the option to apply for an unsecured loan online. Box 919, Allen, TX 75013; TransUnion-Name Removal Option, P.O. Republic Finance Sign in to your account Username Forgot Password? Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice. We offer loan checks even in areas where we dont have a physical branch or areas where we may not yet offer all our digital options. The branch in Stone Mountain Ga. have the best customer service. Thanks for your attention. Note that payments may not be reflected on your online account summary until the following business day. Its also a good idea to research the live check lender to make sure theyre legitimate and not a scammer. We are excited to announce the opening of our new branch in Salisbury, NC. What do I do now? Your assigned branch andaccount number can be found on your original loan documents or you can call(833) 907-1734 for more information. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. Predatory Lending. 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). 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. Scammers sometimes send fake loan offers via mail, email, or text. Republic Finances annual percentage rates (APRs) vary according to these individual factors: 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. 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. Republic Finance provides personal loans that can be used for various purposes, including emergencies, holidays and home improvement projects. CONTENTS Overview Reviews Updated 02/25/2023 About Regional Finance This profile has not been. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. For example: A date of birth of 1/9/1989 should be entered as 01091989 with no slashes or dashes. Different payment method or payment channel additionally, not all consumers will be eligible to apply for an payment..., NC asked multiple times over last months if it was done correctly your assigned andaccount! Will need to enter the following information: account Number Date of Birth ( MMDDYYYY ) of required! Address your concerns branch andaccount Number can be found on your original documents. 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