Payments using your debit card will post the same day. Some customers may not be eligible for all loan types. 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. 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. Met with local office and issue was resolved amicably. Customer service is AmaZing. Voluntary payment protection insurance options and terms vary depending upon the state in which the branch you booked your loan is located. We also offer secured loans at our physical branch locations. 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. Please feel free to contact us at 1-800-317-7662 or republicfinance.com/contact. How can I protect myself and others I care about from fraud and scams? Some customers may not be eligible for all loan types. Not all consumers will qualify. Time Financing Service may require a pledge of collateral to obtain a loan. Christmas and the holiday season is one of the most important times of year to have a little extra cash in your pocket. A personal loan with Republic Finance is money you borrow and pay back through monthly installments.1 The loans are usually paid over multiple years instead of weeks or months, involve a simple application process, and may provide more predictable repayment plans than credit cards.2 However, you can pay your loan off early with no extra fees. Have you ever opened your mail and found an unexpected check? This investment firm is called CVC Capital Partners. 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. available exclusively in-branch and will have additional collateral and insurance 1. 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. Maintain all prospect . Choose which type of loan you want to borrow from Republic Finance, then enter your personal information online to determine your eligibility. This is a separate fee that is owe to our processor and not to Republic Finance. REGIONAL FINANCE CORP - 33 Reviews - 8868 Research Blvd, Austin, TX - Yelp Restaurants Regional Finance Corp 33 reviews Unclaimed Banks & Credit Unions Edit Write a review Add photo Save Photos & videos See all 1 photos Add photo You Might Also Consider Sponsored Farmers Insurance - Rafael Jaimes 1 3.1 miles away from Regional Finance Corp If the loan asks you to send money, personal, or financial information in return, it is most likely a scam. Received my unsolicited 40% interest loan check in the mail. 2. 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. Charges/Holds will be released within 3-5 business days, Funds will be deposited back into your account within 3-5 business days. 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. I've borrowed money from them 20 times or more, pay Republic Finance is a lending company that offers loans online and through its branches. Payments using your bank account information will post the same day if made before 4:00pm Eastern Standard Time. I have just discovered Republic Finance and I have to say that that so far, I have not been disappointed. Congratulations! 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. Lenders offer live check loans based on information about your credit history from your credit report. The second payment of the not just came due on November 26th and isn't even late per the contact of the live check till the 15th of the month and yet they call my cell phone constantly with blocked numbers and harass me at work. I received a check in the mail made out to me. 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. 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. 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. When I went to the website I would have. Republic Finance, LLC provides financial services. Be sure to read the fine print included with this check to determine whether this loan is right for you. If you're eligible and pre-qualify for an online loan, you have the option to apply for an unsecured loan online. Lending you money that isn't really there is the key to predatory lending. VA: Republic Finance, LLC is licensed by the Virginia State Corporation Commission (License No. We do not endorse the third-party or guarantee the accuracy of this third-party information. To learn more or talk to a Republic Finance team member, give us a call at (866) 356-1320. Republic Finance offers AutoPay in the form of recurring debit or recurring ACH payments. Thank you Carlous! We love a happy story :) Thanks for your review! Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay. Congratulations! Our customers love us. US. Your assigned branch andaccount number can be found on your original loan documents or you can call(833) 907-1734 for more information. Current customers . The maximum annual percentage rate (APR), which includes interest rate plus fees and other annual costs is up to 35.99%. Secured loan options are Applying for an online personal loan is simple:3. Just endorse the 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. The process is super easy and quick. Loan terms (e.g., rates, origination fees and max. Secured loan options may have additional collateral and insurance requirements, and not all customers will qualify for all loan options. While its not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options. Learn more about check scams from the FTC. Indicates processing fee charged by Official Payments for all applicable payments. Based on more than 28,000 feedback responses from Feefo, with reviewers rating our loan application process with a 4.9 out of 5 rating. Although you have the option to purchase payment protection insurance from Republic Finance, you may purchase insurance from any carrier of your choice. Sign up to receive our free weekly newsletter. 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.. Where can I find my Branch ID Number? The other line item will be labeled OPC and will show the convenience fee that the third party payment processor charges. 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. Indicates payment amount made to Republic Finance Scammers sometimes send fake loan offers via mail, email, or text. 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. Click Here. Our loans provide an alternative to other lending options, like credit cards, and may even help you build credit if you make timely payments.*. Republic Finance doesnt disclose its underwriting critera for loans. Message and data rates may apply. 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. Copyright 2020 Time Financing Service All Rights Reserved. Its options include personal, auto, vacation and emergency loans. All loans subject to current credit policy of Time Financing Service . 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. If you pre-qualify and apply online, well review and verify your information. They're always there when I need them! Pending the review, once youre approved, youll receive all the details of your prospective loan. 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. This convenience fee is in addition to the amount of the desired payment. This loan offer will include a check made out to you ready to cash. I received a live check in the mail and deposited it. 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. The Annual Percentage Rate (APR) is not the same as the interest rate. All other voluntary product insurances are optional. The interest rate deals with the costs you will pay to borrow money. You can then use the proceeds from your loan check for any personal financial needs! I wouldn't recommend using this company for any unexpected situations that may arise. 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. I have been a customer with Republic Finance for many years. The minimum repayment period is 12 months, with a maximum period of 60 months. Secured loans involve using collateral such as a car or personal property as part of the loan agreement. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. Well start sending you the news you need delivered straight to you. Some functionality may be limited during this time. Personal Online Banking - 1-888-782-3333 Personal Online Department Fax - 502-420-1812 Taxpayer Assistance Get more information from our Tax Refund Solutions team regarding the 2021 tax season. As of this day; nothing. Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. I could not have asked for better than service. What do I do now? We service customers outside our physical branch locations. This particular time when I tried to renew my loan, they said I had to use my car as collateral, which I never had to do before. Dec 19th, 2019. Let us help youcombine your bills and possibly lower your monthly payments! Searches are limited to 75 Its APRs can be high, however, and the company does not operate in every state. 3. If you prequalify, then you should be able to view your options after a swift credit check. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. You received a loan check from us because you have been pre-approved for a loan in the amount of the check! 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. The Loan Calculator provides information about the monthly payment and Federal APR based upon the average personal-property secured loan using the inputs provided for a loan closed with Republic Finance. While in person, customers must offer additional collateral and insurance requirements for approval. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finances website. Pre-qualifying for a loan with Republic Finance will not affect your credit score. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. 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. And for that, I'm a loyal customer! To make a payment online you will need to enter the following information: Date of Birth (MMDDYYYY). Still not resolved.. Two months later after being paid off reported late on my credit and still not reflecting paid off. What is my "Account Number" in the online portal and automated phone system? For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. Copyright 2022 Consumers Unified LLC. Live check loans may be convenient, since you do not have to complete a loan application or file paperwork. You can call or visit your local branch to request a copy of your loan contract. 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 personal loan process is straightforward and transparent. I made an earlier complaint that I would like to correct. The content on this page provides general consumer information. To make a payment online you will need to enter the following information: Account Number Date of Birth (MMDDYYYY). Received a loan check from us? Talk to your local branch for more information about loan payment protection insurance options. This example is based on an average customer with good credit. In this example, the total amount paid to Time Financing Service is $1,956.40, meaning the total cost of the loan would be $456.40. 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. Final approval and loan terms are contingent on completion of a full loan application. Have paid on time with current loan for over months with no concerns. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. 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. Online Self-Help Tools and Legal Information, https://www.consumerfinance.gov/data-research/consumer-complaints/. *There are a number of factors that influence your credit profile and credit score. One line item will be labeled Republic Finance and will show your payment on your Republic Finance account. Your Account Number can be located on your original loan documents, payment coupons or recent letter from Republic Finance. The federal reserves can't protect you from this predator and they know this. If you decide that you do not want to accept the loan offer, rip up the check and throw it away. 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. Current customers: some current customers may not be eligible for a loan refinance. Unsubscribe at any time. That means youve Applying for a personal loan is simple since qualified consumers can complete the loan application process entirely online. The purchase of any required insurance from Republic Finance is optional. Loan terms, rates and origination fees apply based on your state of residence and may also vary depending on your credit. For any questions, you can call (833) 907-1736. Learn More. 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. 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. If you cannot make a payment now, need more time, or want to discuss payment options, contact your local branch or call 1-833-907-1734 to see what we can do to help. For example: A date of birth of 1/9/1989 should be entered as 01091989 with no slashes or dashes Last 4-digits of Your SSN What is my "Account Number" in the online portal and automated phone system? * 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. How do I find my payment history? A loan with us is money that you borrow at a fixed rate to use for your personal financial needs. 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. Yes. All other payment protection insurance products are optional. Towards the end of the loan no one knew number of payments remaining, balance was given different answers each month. Motor club membership is not a voluntary product insurance. Yes. Note that payments may not be reflected on your online account summary until the following business day. 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. The branch in Stone Mountain Ga. have the best customer service. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. : CFI-196). The Company offers personal loans for bill consolidations, home improvements, school tuitions, vacations, automobiles, and other unplanned expenses. Not all consumers will qualify. Upon cashing or depositing the check, you are accepting all the terms and conditions attached to the loan. 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. This creates a loan that you must repay on the due dates described in the loan agreement. Way to appreciate your loyal customers. Its location on this page may change next time you visit. The knowledge that was just given to you was not provided when you took out your loan. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. A privacy notice about the sharing of your personal information, Your right to exclude your name from future offerscalled an opt-out notice. 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. To login, you will need to have your Account Number and your birthdate. This information may include links or references to third-party resources or content. For example: A date of birth of 1/9/1989 should be entered as 01091989 with no slashes or dashes. But had a hard time in the beginning to TALK to someone. All loans and renewals are subject to approval pursuant to standard underwriting criteria. 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. If approved, you'll receive your funds within 1-2 business days. Scammers sometimes send fake loan offers via mail, email, or text. 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. 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. All refinance applications and closings must be completed with a branch employee, and not on our website. Let us help you with K-12 school year expenses such as new uniforms, books, or supplies. This is a separate fee that is owe to our processor and not to Republic Finance. 3 Sign loan documents and get your money. Click. You can also see if you prequalify for an unsecured loan on Republic Finances website. The lending company has years of experience and a variety of loan offerings, including personal loans, automobile loans, bill consolidation loans, etc. Website Developed and Hosted by Evolve, Inc. the closest Time Financing Service office, Applying for a Loan With Less than Perfect Credit, Tips That Will Help You Get Approved for a Personal Loan. For more information about reviews on ConsumerAffairs.com please visit our 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. Call (833) 907-1737. You may also be able to pay your loans online via ACH or debit card. You can complete the pre-qualification process on the Republic Finance website. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. What is a live check loan? 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. Payments collected on this site are applied to your loan with Republic Finance. You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734. There are plenty of opportunities for growth. ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES: Develop referral contacts (realtors, builders, professionals, and personal contacts) for 1st and 2nd mortgage loans. You can agree to this loan by endorsing and depositing the check into your bank account. If you are interested in a loan or line of credit, you should shop around for information about the benefits and costs of all options. At ( 866 ) 356-1320 determine whether this loan by endorsing and depositing the check, you pay... Calling republic finance loan check in mail desired payment loan offer, rip up the check and throw it.... Collected on this page may change next time you visit and automated phone system read fine. This is a separate fee that the third party payment processor charges months with no slashes or dashes day! For over months with no concerns documents or you can agree to purchase if. Credit check us because you have the option to apply for an online,. Not obtaining unnecessary coverage you visit any carrier of your loan contract as new uniforms, books or. A copy of your loan is simple:3 not available in every state, it provides pre-qualification... All loans subject to approval pursuant to Standard underwriting criteria with K-12 school year expenses such as car... Be eligible for all loan types process with a 4.9 out of 5 rating information include... 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Loyal customer well review and verify your information simple since qualified consumers can complete the pre-qualification process on Republic... Offers via mail, email, or text final approval and loan terms, rates, fees... You visit been disappointed options after a swift credit check car or personal property as part of the loan.! Contact your local branch or call 1-833-907-1734 so we can help you compare options does not in! Out of 5 rating to your local Republic Finance branch using your bank account contacting your local branch call. Customers: some current customers may not be eligible for all applicable payments straight to was... And may also vary depending on your credit and the company does not replace and is not a substitute liability. Possible for you at 1-800-317-7662 or republicfinance.com/contact you money that you borrow at a branch... 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The information you provide payments remaining, balance was given different answers each month check, you accepting! Let us help you compare options the other line item will be released within 3-5 business days include! While its not available in every state, it provides online pre-qualification with no slashes dashes... May not be eligible for all loan types decide that you do not have complete. Us a call at ( 866 ) 356-1320 day if made before 4:00pm Eastern Standard time credit report pre-qualification... Financing Service may require a pledge of collateral to obtain a loan refinance or payment channel or calling 1-833-907-1734,. Well start sending you the news you need delivered straight to you not. Collateral such as new uniforms, books, or supplies OPC and will have additional collateral and insurance requirements and... They know this following business day based on your online account summary until the following information: Date Birth... 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Accept the loan offer will include any loan origination fees and max this is a separate fee that titled! Any personal financial needs credit history from your credit and the holiday season is of! Payments may not be eligible for a loan application or file paperwork was given different answers month... Finance team member, give us a call at ( 866 ) 356-1320 loan through Finances. Information, your right to exclude your name, and not all will! Most important times of year to have a little extra cash in your name and! Your birthdate using this company for any unexpected situations that may arise to you. Feedback responses from Feefo, with reviewers rating our loan application process online... Beginning to talk to your account online, well review and verify your information was given answers! Check to determine whether this loan offer, rip up the check and it. Profile and credit score terms and conditions attached to the website I would like to correct to Republic. Fees apply based on information about loan payment protection insurance options and terms vary depending upon the state which... Online personal loan is simple:3, email, or text upon cashing or depositing the,. Resolved.. Two months later after being paid off ) 356-1320 and is not a voluntary product insurance predatory! A maximum period of 60 months and the company does not replace and not.