Met with local office and issue was resolved amicably. We are always willing to assist our customers who are experiencing financial hardships. The ability to set up AutoPay may be limited based upon certain account statuses. Box 740123, Atlanta, GA 30374-0123; Experian Opt Out, P.O. You can use your loan for a variety of reasons, whether on home repairs, holiday spending, or financial emergencies. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit OptOutPrescreen . 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. When I went to the website I would have. 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. Talk to your local branch for more information about loan payment protection insurance options. The staff have been really nice and helpful. To login, you will need to have your Account Number and your birthdate. Towards the end of the loan no one knew number of payments remaining, balance was given different answers each month. * 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. It will depend on your bank. Call (833) 907-1737. The purchase of any required insurance from Republic Finance is optional. No refund will be made if the unearned . Republic Finance does not authorize any payment processor to advertise payment processing on our behalf. Voluntary payment protection insurance options and terms vary depending upon the state in which the branch you booked your loan is located. Not all insurance types are available in all states. Click. Thank you, you have successfully subscribed to our newsletter! Options for borrowers include: Republic Finance can pre-qualify you online without affecting your credit score. Of the roughly 20% of applications that require additional underwriting, the response time is less than six minutes. Example: If your Branch ID is "24" and your Republic Finance Account Number is "1234/56789", your information should be entered "24-1234-56789". Congratulations! Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan payment protection insurance. If you pre-qualify and apply online, well review and verify your information. Explore guides to help you plan for big financial goals. They're always there when I need them! How do I know I can trust these reviews about Republic Finance? It offers online pre-qualification and loan re payment via its online payments portal. I applied with little hope at a rough time of my life. I would recommend Republic finance to anyone thats trying to get their personal loans. 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. The Annual Percentage Rate (APR) is not the same as the interest rate. been selected for a loan from Republic Finance. This is a separate fee that is owe to our processor and not to Republic Finance. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. As a present customer, I received a flyer for July Customer Appreciation Month to refinance my loan to skip two payments. CONTENTS Overview Reviews Updated 02/25/2023 About Regional Finance This profile has not been. Some banks may put a hold on a check being deposited before releasing the funds. Its easy to tell if you may qualify to receive a personal loan; simply use our online pre-qualification tool. One line item will be labeled Republic Finance and will show your payment on your Republic Finance account. 4 Apply Now You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. Copyright 2020 Time Financing Service All Rights Reserved. Copyright 2017 WGCL-TV Source: WGLC-TV shares Share 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. Be sure to read the fine print included with this check to determine whether this loan is right for you. Should I cash it? That means youve All Rights Reserved. If your loan is prepaid in full by a new loan with us, we'll refund any Unearned Loan Finance Charge using the Rule of 78s after first deducting $25 from the unearned Loan Finance Charge; however $25, will not be deducted if prepayment occurs after more than one-half of the term of your loan has elapsed. Not all consumers will qualify. Way to appreciate your loyal customers. Enjoy reading our tips and recommendations. 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. Final approval and loan terms are contingent on completion of a full loan application. Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. To reject the loan offer, you should securely destroyby shredding and throwing awaythe live check to avoid potential fraudulent use by others. Let us help you take that family trip or have some fun with friends! Let us help you celebrate the holidays with your family and friends! Its worth noting that this companys auto loans are vehicle title loans, not loans for purchasing cars. Learn more about opting out of unsolicited loan offers. Current customers: some current customers may not be eligible for a loan refinance. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance's website. Asked multiple times over last months if it was done correctly. Republic Finance worked with me to get me a personal loan that fit into my budget on the pay schedule. 554 South Pike West Road. Republic Finance does not disclose its underwriting criteria for loans. It has been two weeks since I applied and I have not heard anything back. 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. Our customers love us. How do I determine if I should accept this loan offer? Making a one-time debit card payment online or over the phone is optional. loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. You cannot cash a Republic Finance check like a normal check, but you can endorse and deposit the loan check into your bank account. Time Financing Service may require a pledge of collateral to obtain a loan. The loan calculation is inclusive of voluntary personal property insurance. 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. However, you can pay your loan off early with no extra fees. I applied over the phone at a local branch as directed. Live check loans should also include: a disclosure of the loan fees, the annual percentage rate (APR), the payment schedule, the loan agreement, a privacy notice about the sharing of your personal information, your right to exclude your name from future offers called an opt-out notice, and contact information for the sender. Make sure everything is accurate! Republic Finance can service your loan through our call center and our secure online portal options. 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. : CFI-196). To make a payment through our payment processors, you must have youraccount number and birth date. Learn more about check scams from the FTC. They are happy and they want everyone to know that if you get one of those live checks in the mail, throw it out. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year. * Not all consumers are eligible to apply online. Its options include personal, auto, vacation and emergency loans. Some customers may not be eligible for all loan types. ^ Independent service rating based on 10,000+ verified reviews through Feefo. The Company offers personal loans for bill consolidations, home improvements, school tuitions, vacations, automobiles, and other unplanned expenses. Visit site: www.republictaxpayer.com Contact by phone: 1-866-581-1040 Community Donations Republic Bank proudly supports local nonprofits. 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. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Republic Finance is a consumer loan company that offers multiple types of loan options up to $10,000. Keep in mind that the best way to maintain a strong credit score and not waste money on interest and fees is to create a budget and save for what you need instead of using credit or a loan. I wouldn't recommend using this company for any unexpected situations that may arise. We appreciate your business. The federal reserves can't protect you from this predator and they know this. A loan check is a preapproved loan offer. Republic Finance provides various loan types in 11 states, and you can pre-qualify online. If you decide that you do not want to accept the loan offer, rip up the check and throw it away. Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice. Learn More. You must borrow at least $1,000 to participate in this offer. I already cashed the check. Standard loan terms apply, including maximum loan amounts, based on your state of residence. Maintain all prospect . Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. Your ability to get a personal loan depends on multiple factors, including your employment, income, and credit history. The maximum annual percentage rate (APR), which includes interest rate plus fees and other annual costs is up to 35.99%. Simply come by the closest Time Financing Service office today, and see how we can help you get the cash you need. If you pay late or do not pay without reaching an agreement with the lender, they may charge fees along with interest, report your debt to a credit reporting agency, or take action to garnish your wages or seize your property. Just endorse the 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. Credit life is insurance that pays the covered balance of the loan in the event of the insureds death during the term of coverage. Debt Collection Agencies Regional Finance Laurens, SC 1.5/5 (174 ratings) Are you this business? Got a moment? For more information about reviews on ConsumerAffairs.com please visit our Dec 19th, 2019. The loan amounts usually range from several hundred to several thousand dollars. 2 Verify your info during the loan application process. Current customers . Trusted Lender since 1952 350 K+ Active Customers 4.9 /5 Average Customer Rating ^ $4B + Regional's small loans carried a 42.1%. 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. You may also be able to pay your loans online via ACH or debit card. Payments using your debit card will post the same day. 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 privacy notice about the sharing of your personal information, Your right to exclude your name from future offerscalled an opt-out notice. US. Motor club membership is not loan payment protection insurance. For any questions, you can call (833) 907-1736. 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. Personal-property insurance is required on personal-property . Sumter, SC 29150. Customer service is AmaZing. Our content is intended to be used for general information purposes only. Click Here. FYI, the reason you are not receiving statements with a explanation of your balance and interest calculations, is because they are not required to follow ( Regulations Z). We service customers outside our physical branch locations. Scammers sometimes send fake loan offers via mail, email, or text. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. By endorsing and depositing the loan check, you agree to the terms and repayment schedule of the loan as described in the attached agreement. Payments collected on this site are applied to your loan with Republic Finance. When making my payment I called the Stone Mountain office and I would be charged fee. I have only had a positive experience with Republic! A representative example of the total cost of the loan, including all applicable fees is as follows (THE FOLLOWING IS AN EXAMPLE AND IS NOT AN OFFER OF CREDIT): $1,500 loan, $25 loan fee, and monthly payments of $97.82 for 20 months which results in an annual percentage rate of 32.1%. 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. I could not have asked for better than service. 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. "OPC*Republic Finance or ACI*Republic Finance." Pending the review, once youre approved, youll receive all the details of your prospective loan. If you choose to continue and apply for a loan, a credit check will be required, which can impact your credit score. Received a loan check from us? Yes; you will have until 4:00 p.m. EST on the day the payment is made to modify or cancel. No; however, Online Enrollment allows you to take advantage of additional features such as auto-draft debit card payments and the ability to save payment information for future use. Otherwise, your payment confirmation will be sent to you via regular mail. Is Online Enrollment required to make an online payment? Credit property insurance is insurance that protects the insured creditors interest in the borrowers collateral (personal property) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. If the loan asks you to send money, personal, or financial information in return, it is most likely a scam. Opt Out: If you do not want to receive pre-screened offers of credit from this and other companies you may opt out by calling toll-free 1-888-5OPTOUT: or write: Equifax Options, P.O. It is usually sent in the mail, and if you cash or deposit the check you are bound by its loan terms, which may include high interest rates for multiple years. Time Financing Service and the Hourglass Logo are federally registered trademarks of Time Investment Corporation. 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. Not all consumers will qualify. You can call or visit your local branch to request a copy of your loan contract. Click. However, live check loans may have much higher interest rates than other loans or credit cards. To learn more or talk to a Republic Finance team member, give us a call at (866) 356-1320. If you do not want to receive live checks or other unsolicited loan offers, you have the right under the Fair Credit Reporting Act to opt out of future offers for five years or permanently. Learn More About Loan Checks Sign up to receive email updates on our financial wellness blogs. You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734. I fell behind and they were able to work with my schedule. Login Page Welcome Welcome to PaymentVision's online payment portal. If any one has questions, please respond to this post. 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. 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. 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. Received my unsolicited 40% interest loan check in the mail. 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. To learn more or talk to a Republic Finance team member, give us a call at (866) 356-1320. You are not protected from this kind of predatory private lending, instead we have to take other measures to fight these companies. APRs will not exceed 35.99%. But had a hard time in the beginning to TALK to someone. Call me at (404) 327-3030, or email BetterCallHarry@cbs46.com. Secured loans will have collateral and insurance requirements. You can complete the pre-qualification process on the Republic Finance website. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. 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. This loan offer will include a check made out to you ready to cash. 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. I would be extremely wary of this. Applying for an online personal loan is simple:3 1 Fill out a pre-qualification request (this won't 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. Charges will appear as two line items if a convenience fee is charged for the transaction. Credit life is insurance that pays the covered balance of the loan in the event of the insureds death during the term of coverage. requirements. This example is based on an average customer with good credit. 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. We would like the opportunity to speak with you to better address your concerns. Its APRs can be high, however, and the company does not operate in every state. Loan Agency; Republic Finance; Republic Finance ( 11 Reviews ) 3501 Severn Ave, 14B Metairie, Louisiana 70002 (504) 889-7656; Website; We are consumer loans. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. We service customers outside our physical branch locations. It is usually sent in the mail, and if you cash or deposit the check you are bound by its loan terms, which may include high interest rates for multiple years. 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Loan contract republic finance loan check in mail the same day ) 907-1736 visit site: www.republictaxpayer.com contact by phone: Community. Www.Republictaxpayer.Com contact by phone: 1-866-581-1040 Community Donations Republic Bank proudly supports local nonprofits an! Costs is up to receive email updates on our behalf consumer news, tips giveaways... You pre-qualify and apply online, contacting your local branch for more information loan...