Not all consumers will qualify. * 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. Lending you money that isn't really there is the key to predatory lending. This example is based on an average customer with good credit. Applying for an online personal loan is simple:3 1 Fill out a pre-qualification request (this won't affect your credit score). 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. 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. While its not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options. I applied with little hope at a rough time of my life. The APR will typically be higher than your interest rate. Christine Morgan on Google. been selected for a loan from Republic Finance. Click. This loan offer will include a check made out to you ready to cash. Thanks! 3 Sign loan documents and get your money. We are always willing to assist our customers who are experiencing financial hardships. Credit disability is insurance that pays an amount toward the debt for a specified period of time while the insured is unable to work as a result of a qualified injury or sickness lasting longer than any applicable waiting period. I received a check in the mail made out to me. Learn more about check scams from the FTC. (833) 907-1734 You will need your account number and date of birth Visit your local branch Find a branch near me Payments can be made in-person at your local branch or by mail to your assigned branch Payment Processing Times Payments using your debit card will post the same day. Our customers love us. Box 740123, Atlanta, GA 30374-0123; Experian Opt Out, P.O. How do I stop these unsolicited loan offers? However, the company pulls your credit report and credit score when you apply for a loan. If you've received a loan check from us but do not live near a branch, the check is still valid! Lenders offer live check loans based on information about your credit history from your credit report. Republic Finance is not a credit repair organization. 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). Let us help you with unexpected personal expenses. Republic Finance doesnt disclose its underwriting critera for loans. Motor club membership is not loan payment protection insurance. That means youve Republic Finance provides various loan types in 11 states, and you can pre-qualify online. Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay. A loan with us is money that you borrow at a fixed rate to use for your personal financial needs. These may look very similar to actual live check loan offers, but they are used to get your personal or financial information in order to commit identity theft or fraud. Call (833) 907-1737. Current customers . Some customers may not be eligible for all loan types. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Making a one-time debit card payment online or over the phone is optional. What information is required to make an online payment? 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. All other payment protection insurance products are optional. Please ensure that the below pieces of information are entered correctly. Your Account Number can be located on your original loan documents, payment coupons or recent letter from Republic Finance. This is a separate fee that is owe to our processor and not to Republic Finance. 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. Although you have the option to purchase a voluntary productinsurance from Republic Finance, you may purchase insurance from any carrier of your choice. 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. Loan terms (e.g., rates, origination fees and max. This information may include links or references to third-party resources or content. Republic Finance worked with me to get me a personal loan that fit into my budget on the pay schedule. . The company operates in Alabama, Georgia, Kentucky, Louisiana, Mississippi, Missouri, South Carolina, Tennessee,Texas and Virginia. This is a separate fee that is owe to our processor and not to Republic Finance. Republic Finance Sign in to your account Username Forgot Password? Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. The Annual Percentage Rate (APR) is not the same as the interest rate. *, You will need your account number and date of birth, Payments can be made in-person at your local branch or by mail to your assigned branch. Its location on this page may change next time you visit. Message and data rates may apply. Well be available to answer any questions! For any questions, you can call (833) 907-1736. Republic Finance is an amazing company. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. The process is super easy and quick. The loan amounts usually range from several hundred to several thousand dollars. But a representative from "RF", did contact me to let me know my options to make a "No Fee" payment and I appreciated the gesture and the information shared because I felt that the customers were being used to make pure profit and was truly disappointed. VA: Republic Finance, LLC is licensed by the Virginia State Corporation Commission (License No. Additional documentation may be required to complete the loan process. Thanks for the review! It only takes a few minutes and wont affect your credit score. If you decide that you do not want to accept the loan offer, rip up the check and throw it away. They always are so kind and lovely to work with. The Annual Percentage Rate (APR) is not the same as the interest rate. Contact your local branch or call 1-833-907-1734 so we can help determine if changing your payment due date is possible for you. Call (833) 907-1737. A simple call back with a yes/no would have sufficed. If you have a live check and got stuck in a loan paying 30, 40 or 50 percent, we want to hear from you. 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. Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. With a secured loan, you may qualify for a larger loan amount. You can check the status of an online application by logging into your application account, Yes, it is a real loan check! To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit https://www.optoutprescreen.com/?rf=t To opt out permanently, visit https://www.optoutprescreen.com/?rf=t and return a signed Permanent Opt-Out Election form, which they will send after you make the request. Before cashing or depositing a live check, you should make sure you understand the terms, and shop around for other loan options to see if you can find a better rate. All loans and renewals are subject to approval pursuant to standard underwriting criteria. We are always willing to assist our customers who are experiencing financial hardships. Can I modify or cancel a payment, if needed? However, live check loans may have much higher interest rates than other loans or credit cards. They're always there when I need them! Republic Finance does not provide loans in every state. Click. I made an earlier complaint that I would like to correct. Oh no, sounds like there was a communications issue for sure! I applied over the phone at a local branch as directed. 2. For help or to stop receiving verification texts, please call us at 833-907-1737. You can complete the pre-qualification process on the Republic Finance website. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan payment protection insurance. 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. Secured loan options are Call me at (404) 327-3030, or email [email protected]. Loan Voluntary Product Insurance, 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. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. 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. Final approval and loan terms are contingent on completion of a full loan application. Save yourself time and make your payments online from anywhere with your debit card or checking account! We love a happy story :) Thanks for your review! Not all consumers are eligible to apply online. This companies predatory lending is based on innocent ignorance. Met with local office and issue was resolved amicably. If the loan asks you to send money, personal, or financial information in return, it is most likely a scam. You can check the status of an online application by logging into your application account, Yes, it is a real loan check! Congratulations! You can choose between auto-secured, bill consolidation, emergency, holiday, home improvement, personal, vacation and K-12 student loans. Credit disability is insurance that pays an amount toward the debt for a specified period of time while the insured is unable to work as a result of a qualified injury or sickness lasting longer than any applicable waiting period. This loan offer will include a check made out to you ready to cash. Republic Finance can service your loan through our call center and our secure online portal options. I would recommend Republic finance to anyone thats trying to get their personal loans. Dec 19th, 2019. 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.. Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. Thanks! That's great Juanita! 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