A link has directed you to this review. Maintain all prospect . Current customers . 4 Apply Now information about your credit history from your credit report. Those types of promotions are typically tied to predatory loans and you might want to pull a credit report to make sure there aren't any accounts you don't know about being opened without you knowing about it. Its also a good idea to research the live check lender to make sure theyre legitimate and not a scammer. How do I determine if I should accept this loan offer? For pre-qualification, no. origination fees, closing fees, documentation fees, and other finance charges) and is expressed in terms of a percentage rate. All loans subject to current credit policy of Time Financing Service . Not all consumers are eligible to apply online. Its worth noting that this companys auto loans are vehicle title loans, not loans for purchasing cars. Call me at (404) 327-3030, or email BetterCallHarry@cbs46.com. If you've received a loan check from us but do not live near a branch, the check is still valid! Congratulations! Motor club membership is not loan payment protection insurance. Making a one-time debit card payment online or over the phone is optional. A simple call back with a yes/no would have sufficed. If your offer is expired and youre still interested in a loan with us, call the phone number listed on the check to ask about your options, or visit RepublicFinance.com to apply. It has been two weeks since I applied and I have not heard anything back. 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. It only takes a few minutes and wont affect your credit score. 1. If you provide an email address, your payment confirmation will be sent via email. PaymentVision is a 3rd party processor for Republic Finance. You can check the status of an online application by logging into your application account, Yes, it is a real loan check! Customer service is AmaZing. Learn more about check scams from the FTC. Republic Finance is an amazing company. No refund will be made if the unearned . I have just discovered Republic Finance and I have to say that that so far, I have not been disappointed. Lending you money that isn't really there is the key to predatory lending. Box 919, Allen, TX 75013; TransUnion-Name Removal Option, P.O. 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. The minimum repayment period is 12 months, with a maximum period of 60 months. Not all consumers will qualify. 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. If you've received a loan check in the mail, you've already been pre-approved for a loan Some customers may not be eligible for all loan types. Secured loans involve using collateral such as a car or personal property as part of the loan agreement. Let us help you celebrate the holidays with your family and friends! Loan Agency; Republic Finance; Republic Finance ( 11 Reviews ) 3501 Severn Ave, 14B Metairie, Louisiana 70002 (504) 889-7656; Website; We are consumer loans. If your application was declined by Republic Finance, you should receive a written notice in the mail that provides information about why you were denied. When making my payment I called the Stone Mountain office and I would be charged fee. Some customers may not be eligible for all loan types. We service customers outside our physical branch locations. Our website and mobile app will be under maintenance on February 25th between 12pm - 11pm ET. * Not all consumers are eligible to apply online. By endorsing and depositing the loan check, you agree to the terms and repayment schedule of the loan as described in the attached agreement. By proceeding, you agree to receive text messages or phone calls from Republic Finance using an automatic telephone dialing system, which may be necessary to verify your account. If you pay late or do not pay, you may be charged fees along with interest, and the lender may report your debt to a credit reporting agency which could affect your credit score. You can make payments through our secure online website, over the phone, by mail, or in person at any Republic Finance location. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. To make a payment through our payment processors, you must have youraccount number and birth date. I would recommend Republic finance to anyone thats trying to get their personal loans. Republic Finance is not a credit repair organization. You may also be able to pay your loans online via ACH or debit card. The interest rate only includes the interest percentage you will be charged for borrowing the money and does not include any other fees you might be required to pay on the loan. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan payment protection insurance. It may be from a lender you have borrowed from in the past or from a new lender. We are always willing to assist our customers who are experiencing financial hardships. This information may include links or references to third-party resources or content. Indicates payment amount made to Republic Finance Not all consumers will qualify. I received a check in the mail made out to me. 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. Voluntary product insuranceoptions and terms vary depending upon the state in which the branch you booked your loan is located. Republic Finance is a consumer loan company that offers multiple types of loan options up to $10,000. 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. If I ever need help in the future, I will definitely keep them in mind. For example: A date of birth of 1/9/1989 should be entered as 01091989 with no slashes or dashes. We value your privacy. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. 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, rates, and origination fees apply based on your state of residence and may vary depending on your creditworthiness. Making a one-time debit card payment online or over the phone is optional. Got a moment? You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734. PaymentVision is a 3rd party processor for Republic Finance. Although you have the option to purchase a voluntary productinsurance from Republic Finance, you may purchase insurance from any carrier of your choice. We value your privacy. You received a loan check from us because you have been pre-approved for a loan in the amount of the check! But had a hard time in the beginning to TALK to someone. Call (833) 907-1737. The process is super easy and quick. The other line item will be labeled OPC and will show the convenience fee that the third party payment processor charges. 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. All loans and renewals are subject to approval pursuant to standard underwriting criteria. Not all consumers will qualify. Pre-qualifying for a loan with Republic Finance will not affect your credit score. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. It takes 5-10 business days to process your information into our system after you deposit your loan check. You can complete the pre-qualification process on the Republic Finance website. Secured loans are available up to $25,000. What is a live check loan? Personal-property insurance is required on personal-property . Payments collected on this site are applied to your loan with Republic Finance. 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. 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. If you've received a loan check in the mail, you've already been pre-approved for a loan with Republic Finance! CONTENTS Overview Reviews Updated 02/25/2023 About Regional Finance This profile has not been. Be sure to read the fine print included with this check to determine whether this loan is right for you. GA & OH: Republic Finance, LLC (NMLS # 182116). * 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. Payments using your debit card will post the same day. Its easy to tell if you may qualify to receive a personal loan; simply use our online pre-qualification tool. You can use your loan for a variety of reasons, whether on home repairs, holiday spending, or financial emergencies. We love a happy story :) Thanks for your review! Thank you, you have successfully subscribed to our newsletter! Our customers love us. Fortegra Motor Club membership is a roadside assistance program that offers a variety of services, which can include towing, winching, battery charging, lockout, tire changes, fuel delivery, key replacement, travel discounts, and more. *, 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. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. Yes! If you qualify for electronic funding, the funds will be deposited in your bank account with 1-2 business days. Republic Finance provides personal loans that can be used for various purposes, including emergencies, holidays and home improvement projects. Republic Finance is not FDIC insured and is not regulated or backed by a bank instead they were bought out by one of the largest private investment firms. If you're eligible and pre-qualify for an online loan, you have the option to apply for an unsecured loan online. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). We are excited to announce the opening of our new branch in Salisbury, NC. Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. 2 Verify your info during the loan application process. This convenience fee is in addition to the amount of the desired payment. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. Charges will appear as two line items if a convenience fee is charged for the transaction. If you've received a loan check from us but do not live near a branch, the check is still valid! Thanks Republic Finance, always looking out for me . Our content is intended to be used for general information purposes only. What information is required to make an online payment? It offers online repayment via debit card or bank transfer. Regional's small loans carried a 42.1%. While its not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options. There are plenty of opportunities for growth. Box 505, Woodlyn, PA 19094. The knowledge that was just given to you was not provided when you took out your loan. : CFI-196). Will I receive confirmations of my payments? A live check is a preapproved or prescreened loan offer that you did not apply for. Maximum APR not to exceed 35.99%. We would like the opportunity to speak with you to better address your concerns. If your application was declined by Republic Finance, you should receive a written notice in the mail that provides information about why you were denied. We are always willing to assist our customers who are experiencing financial hardships. requirements. 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. Applying for an online personal loan is simple:3. All refinance applications and closings must be completed with a branch employee, and not on our website. Loan terms (e.g., rates, origination fees and max. Republic Finance does not authorize any payment processor to advertise payment processing on our behalf. If you want to accept the live check loan, you must endorse the check by signing the back of the check and cashing or depositing the funds into your bank account. There may be other resources that also serve your needs. If you go through the entire application and approval process, you will receive a hard credit pull that may impact your credit. Charges/Holds will be released within 3-5 business days, Funds will be deposited back into your account within 3-5 business days. 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. Scammers sometimes send fake loan offers via mail, email, or text. APRs will not exceed 35.99%. Online Self-Help Tools and Legal Information, https://www.consumerfinance.gov/data-research/consumer-complaints/. Options for borrowers include: Republic Finance can pre-qualify you online without affecting your credit score. Thanks! Motor club membership is not a voluntary product insurance. 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.. 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. However, live check loans may have much higher interest rates than other loans or credit cards. *There are a number of factors that influence your credit profile and credit score. Should I cash it? Unsecured personal loans are loans that do not require collateral. I have only had a positive experience with Republic! 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. Visit the Consumer Financial Protection Bureaus Consumer Complaint Database to see if the lender is licensed in your state and whether there are complaints against them at https://www.consumerfinance.gov/data-research/consumer-complaints/ If you think this offer is a scam, you can report it to the Federal Trade Commission at https://reportfraud.ftc.gov/#/. Republic Finance offers AutoPay in the form of recurring debit or recurring ACH payments. Copyright 2020 Time Financing Service All Rights Reserved. To learn more, give us a call at (866) 356-1320. Secured loan applications and closings must be completed with a branch employee, and not on our website. Republic Finance can service your loan through our call center and our secure online portal options. 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. For questions on the expected time for the hold, please directly reach out to the bank where you deposited your loan check. Thank you Carlous! Its that simple! Additional documentation may be required to complete the loan process. Although you have the option to purchase payment protection insurance from Republic Finance, you may purchase insurance from any carrier of your choice. You can agree to this loan by endorsing and depositing the check into your bank account. 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. Live check loans may be convenient, since you do not have to complete a loan application or file paperwork. When I went to the website I would have. 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. Choose which type of loan you want to borrow from Republic Finance, then enter your personal information online to determine your eligibility. If approved, you'll receive your funds within 1-2 business days. If you do not destroy the check before throwing it away, you risk someone cashing the check in your name and becoming responsible for a loan you did not receive. Sign up to receive our free weekly newsletter. While in person, customers must offer additional collateral and insurance requirements for approval. The loan calculation is inclusive of voluntary personal property insurance. If you dont know what that means google is friendly. You can also see if you prequalify for an unsecured loan on Republic Finances website. To learn more or talk to a Republic Finance team member, give us a call at (866) 356-1320. The purchase of any required insurance from Republic Finance is optional. Republic Finance. Our loans provide an alternative to other lending options, like credit cards, and may even help you build credit if you make timely payments.*. Let us help you with unexpected personal expenses. "OPC*Service Fee or ACI*Service Fee." Secured loan applications and closings must be completed with a branch employee, and not on our website. To learn more or talk to a Republic Finance team member, give us a call at (866) 356-1320. Republic Finance, LLC provides financial services. I applied over the phone at a local branch as directed. Your Branch ID number can be found at any time at republicfinance.com/branch-locations or by contacting your local branch during its normal business hours. Learn more about opting out of unsolicited loan offers. If you would like to take advantage of this loan check you can agree to the terms by endorsing and deposit your check in your bank account. Learn more about check scams from the FTC. To login, you will need to have your Account Number and your birthdate. In 2017, Regional Finance mailed more than 6 million live checks and earned an average yield of 42% on small loans ($500 to $2,500), including live checks, according to its annual report.. Be the first one to find this review helpful. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan voluntary product insurance. You are not protected from this kind of predatory private lending, instead we have to take other measures to fight these companies. ^ Independent service rating based on 10,000+ verified reviews through Feefo. To learn more, give us a call at (866) 356-1320. 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. If you pay late or do not pay, you may be charged fees along with interest, and the lender may report your debt to a credit reporting agency which could affect your credit score. How do I find my payment history? 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. Whether youre making a big purchase, fixing a problem, or just need a little extra cash, a personal loan could help. The lending company has years of experience and a variety of loan offerings, including personal loans, automobile loans, bill consolidation loans, etc. ConsumerAffairs is not a government agency. (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. Let us help you take that family trip or have some fun with friends! Let us help you with K-12 school year expenses such as new uniforms, books, or supplies. My payday lender said my loan would cost 15 percent but my loan documents say the annual percentage rate (APR) is almost 400 percent. Phone: (803) 775-3706. 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. Estimate of loan you want to borrow from Republic Finance, LLC ( #! Box 919, Allen, TX 75013 ; TransUnion-Name Removal option, P.O Independent Service based... 4 apply Now information about your credit profile and credit score eligible and for... 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