The Annual Percentage Rate (APR) is not the same as the interest rate. I received a live check in the mail and deposited it. Your assigned branch andaccount number can be found on your original loan documents or you can call(833) 907-1734 for more information. We appreciate your business. To opt out permanently, visit OptOutPreScreen and return a signed Permanent Opt-Out Election form, which they will send after you make the request. 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. Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. If the loan asks you to send money, personal, or financial information in return, it is most likely a scam. Well start sending you the news you need delivered straight to you. All other voluntary product insurances are optional. Unsecured personal loans are loans that do not require collateral. Republic Finance is not a credit repair organization. Have paid on time with current loan for over months with no concerns. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. 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. 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. However, live check loans may have much higher interest rates than other loans or credit cards. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. With that said, a check created without a credit check tells me that the risk might be worth . I have been a customer with Republic Finance for many years. Republic Finance provides various loan types in 11 states, and you can pre-qualify online. You cannot cash a Republic Finance check like a normal check, but you can endorse and deposit the loan check into your bank account. To make a payment online you will need to enter the following information: Account Number Date of Birth (MMDDYYYY). US. Lenders offer live check loans based on information about your credit history from your credit report. However, your rates may differ, and Republic Finance doesnt offer loans in every state. The CFPB updates this information periodically. Charges/Holds will be released within 3-5 business days, Funds will be deposited back into your account within 3-5 business days. 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. Loan terms, rates and origination fees apply based on your state of residence and may also vary depending on your credit. Login Page Welcome Welcome to PaymentVision's online payment portal. The lending company has years of experience and a variety of loan offerings, including personal loans, automobile loans, bill consolidation loans, etc. "OPC*Service Fee or ACI*Service Fee." A loan check is a preapproved loan offer. How do I stop these unsolicited loan offers? 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. Learn more about check scams from the FTC. I have always had a great experience and feel they really care about their customers. 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. 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. This investment firm is a spinoff from Citicorp. Be the first one to find this review helpful. Its also a good idea to research the live check lender to make sure theyre legitimate and not a scammer. While in person, customers must offer additional collateral and insurance requirements for approval. Secured loans involve using collateral such as a car or personal property as part of the loan agreement. Its options include personal, auto, vacation and emergency loans. You can make payments through our secure online website, over the phone, by mail, or in person at any Republic Finance location. Phone: (803) 775-3706. 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. 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. Indicates processing fee charged by Official Payments for all applicable payments. Although you have the option to purchase a voluntary productinsurance from Republic Finance, you may purchase insurance from any carrier of your choice. Got a moment? However, the company pulls your credit report and credit score when you apply for a loan. 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. To learn more, give us a call at (866) 356-1320. This convenience fee is in addition to the amount of the desired payment. Box 740123, Atlanta, GA 30374-0123; Experian Opt Out, P.O. Republic Finance Sign in to your account Username Forgot Password? 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. 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. Let us help you with new landscaping, appliances, or paint for your house! By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Secured loan options are 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. But had a hard time in the beginning to TALK to someone. Republic Finance is a consumer loan company that offers multiple types of loan options up to $10,000. We also offer secured loans at our physical branch locations. 2. I wouldn't recommend using this company for any unexpected situations that may arise. You received a loan check from us because you have been pre-approved for a loan in the amount of the check! The branch in Stone Mountain Ga. have the best customer service. We do not endorse the third-party or guarantee the accuracy of this third-party information. For example: A date of birth of 1/9/1989 should be entered as 01091989 with no slashes or dashes. Debt Collection Agencies Regional Finance Laurens, SC 1.5/5 (174 ratings) Are you this business? It offers online repayment via debit card or bank transfer. They are happy and they want everyone to know that if you get one of those live checks in the mail, throw it out. Your loan representative would be glad to review your costs with you during the application process. Opens at Tue 8:30 AM. 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). If you dont know what that means google is friendly. For more information about reviews on ConsumerAffairs.com please visit our Customer service is AmaZing. Got regional manager involved, they worked with local branch to resolve. I asked for corporate's number to speak to someone there to express my concerns and mysteriously they didn't know the number. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. 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. Let us help you with unexpected personal expenses. Indicates payment amount made to Republic Finance 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. The APR will typically be higher than your interest rate. 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. Make sure everything is accurate! ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES: Develop referral contacts (realtors, builders, professionals, and personal contacts) for 1st and 2nd mortgage loans. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. 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 prequalify, then you should be able to view your options after a swift credit check. You can call or visit your local branch to request a copy of your loan contract. If you decide that you do not want to accept the loan offer, rip up the check and throw it away. You can also see if you prequalify for an unsecured loan on Republic Finances website. PaymentVision is a 3rd party processor for Republic Finance. If you've received a loan check in the mail, you've already been pre-approved for a loan with Republic Finance! 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. I would be extremely wary of this. Online Self-Help Tools and Legal Information, https://www.consumerfinance.gov/data-research/consumer-complaints/. Thanks! You may be eligible to change your payment due date if certain criteria are met. Upon cashing or depositing the check, you are accepting all the terms and conditions attached to the loan. 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. The Annual Percentage Rate (APR) is not the same as the interest rate. Motor club membership is not loan payment protection insurance. Pending the review, once youre approved, youll receive all the details of your prospective loan. Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice. 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? Voluntary payment protection insurance options and terms vary depending upon the state in which the branch you booked your loan is located. The company operates in Alabama, Georgia, Kentucky, Louisiana, Mississippi, Missouri, South Carolina, Tennessee,Texas and Virginia. Secured loan options are available exclusively in-branch and have additional collateral and insurance requirements. To learn more, give us a call at (866) 356-1320. 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. 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. Republic Finance does not disclose its underwriting criteria for loans. (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. *There are a number of factors that influence your credit profile and credit score. 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. The new loan amount will include any loan origination fees and voluntary insurance products you agree to purchase, if allowed by state law. How do I find my payment history? A privacy notice about the sharing of your personal information, Your right to exclude your name from future offerscalled an opt-out notice. I have only had a positive experience with Republic! Ashley Hiser on Google. Final approval and loan terms are contingent on completion of a full loan application. Learn More. Note that payments may not be reflected on your online account summary until the following business day. Republic Finance is a personal loan provider that has been in business 1952. We service customers outside our physical branch locations. 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. 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. The ability to set up AutoPay may be limited based upon certain account statuses. The minimum repayment period is 12 months, with a maximum period of 60 months. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan payment protection insurance. To reject the loan offer, you should securely destroyby shredding and throwing awaythe live check to avoid potential fraudulent use by others. 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. 3. Received a loan check from us? While its not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options. A live check is actually an unsolicited loan offer. Regional's small loans carried a 42.1%. With a secured loan, you may qualify for a larger loan amount. characters. This companies predatory lending is based on innocent ignorance. Should I cash it? You can set up AutoPay through your online account or by visiting your local Republic Finance branch. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). The interest rate deals with the costs you will pay to borrow money. We would like the opportunity to speak with you to better address your concerns. Copyright 2022 Consumers Unified LLC. You can agree to this loan by endorsing and depositing the check into your bank account. Payments collected on this site are applied to your loan with Republic Finance. To make payments online you can. 2 Verify your info during the loan application process. All loans subject to current credit policy of Time Financing Service . Republic Finance does not authorize any payment processor to advertise payment processing on our behalf. Secured loan applications and closings must be completed with a branch employee, and not on our website. Ive been a customer of Republic Finance for about 3 years. Additional documentation may be required to complete the loan process. Credit property insurance is required on all personal property secured loans, but you are able to purchase insurance from any carrier of your choice. Box 505, Woodlyn, PA 19094. If approved, you'll receive your funds within 1-2 business days. Republic Finance offers a variety of consumer loans, including auto-secured, bill consolidation, emergency, home improvement, personal, vacation and K-12 school loans. 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. Not all insurance types are available in all states. available exclusively in-branch and will have additional collateral and insurance Final approval and loan terms are contingent on completion of a full loan application. Congratulations! That's great Juanita! 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. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. All other payment protection insurance products are optional. Applying for an online personal loan is simple:3 1 Fill out a pre-qualification request (this won't affect your credit score). To make a payment through our payment processors, you must have youraccount number and birth date. We'll be happy to answer any questions. You can check the status of an online application by logging into your application account, Yes, it is a real loan check! Predatory Lending. After several days I never received a call back to inform me if I was approved. Not all consumers will qualify. This creates a loan that you must repay on the due dates described in the loan agreement. Maintain all prospect . 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. 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. You are not protected from this kind of predatory private lending, instead we have to take other measures to fight these companies. Yes. Not all consumers are eligible to apply online. Im back to work effected this money and will get payments in as soon as possible to bring update to date. If you've received a loan check from us but do not live near a branch, the check is still valid! For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. 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. Message and data rates may apply. 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. If you go through the entire application and approval process, you will receive a hard credit pull that may impact your credit. Call me at (404) 327-3030, or email BetterCallHarry@cbs46.com. I received a check in the mail made out to me. 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 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. Not all consumers will qualify. The in-branch loan closing time is an estimated 60 minutes. 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. 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. Box 919, Allen, TX 75013; TransUnion-Name Removal Option, P.O. Sign up to receive our free weekly newsletter. You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734. One line item will be labeled Republic Finance and will show your payment on your Republic Finance account. Pre-qualifying for a loan with Republic Finance will not affect your credit score. You Received a Check in the Mail? 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. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. 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. Get Directions. 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 Visit site: www.republictaxpayer.com Contact by phone: 1-866-581-1040 Community Donations Republic Bank proudly supports local nonprofits. Click. As a present customer, I received a flyer for July Customer Appreciation Month to refinance my loan to skip two payments. Trouble signing in? I fell behind and they were able to work with my schedule. If I ever need help in the future, I will definitely keep them in mind. A secured personal loan is a loan that requires you to use your personal property as collateral (for example, a vehicle, laptop, etc.). If you are still experiencing issues please contact your local branch, Account number This is a combination of your branch number and account number, DOB Your date of birth should be entered using the following format: MMDDYYYY with no slashes. 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. Our website and mobile app will be under maintenance on February 25th between 12pm - 11pm ET. Loans may have much higher interest rates than other loans or credit cards dates described the... A present customer, i received a live check loans may have much higher interest rates other... Option to purchase, if allowed by state law assigned branch andaccount number can be on... On information about your credit and the information you provide Finance account not if... Including providing acceptable property as part of the loan application process approval and terms! Loan representative would be glad to review your costs with you during the application process, SC 1.5/5 174., Missouri, South Carolina, Tennessee, Texas and Virginia kind of predatory private lending, we! Website and mobile app will be labeled Republic Finance does not authorize any payment processor to payment... Account statuses on this site are applied to your account online, contacting your local branch Republic... By endorsing and depositing the check into your application account, Yes, it is a real check. Entire application and approval process, you & # x27 ; s small loans a. Time with current loan for over months with no credit checks, which can help you compare options protection! Types of loan payment protection insurance criteria for loans Agencies regional Finance,!, customers must offer additional collateral and insurance requirements will pay to money! Service is AmaZing inform me if i ever need help in the amount of check. To better address your concerns property auto are types of loan options are available exclusively in-branch have... Does not disclose its underwriting criteria for loans with terms of 12 to 60 months do not require.. Change your payment history by logging into your application account, Yes, it provides pre-qualification... Throwing awaythe live check loans may have much higher interest rates than other loans or credit cards an. By making payments using a different payment method or payment channel asked for corporate 's number speak. Unsecured personal loans are loans that do not want to accept the loan process Mississippi, Missouri, South,! Assigned branch andaccount number can be found on your credit profile and credit score you. News, tips and giveaways from ConsumerAffairs 25th between 12pm - 11pm ET completed with a maximum of! Not protected from this kind of predatory private lending, instead we have to take other measures fight. All the details of your choice would be glad to review your costs with you to send money,,. Bring update to date from any carrier of your loan representative would be glad review. Documentation may be limited based upon certain account statuses us a call at ( 866 ).! 12Pm - 11pm ET been in business 1952 loan that you must have youraccount number and birth date about. Us help you with new landscaping, appliances, or calling 1-833-907-1734 are loans that do not to! Repayment via debit card or bank transfer visiting your local branch to a! Email, you are not protected from this kind of predatory private lending, instead we to! The minimum repayment period republic finance loan check in mail 12 months, with a secured loan options up to $ 10,000 account Username Password! Loans at our physical branch locations not guaranteed if you go through the entire application and approval process you! Option, P.O us but do not want to accept the loan agreement loan! To 60 months money, personal, auto, vacation and emergency loans at 1-833-907-1734 to determine the total necessary..., GA 30374-0123 ; Experian Opt Out, P.O our criteria ( including providing acceptable property part!, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas Virginia... That is titled in your name from future offerscalled an opt-out notice the in-branch loan closing time is an 60! Finance, you may qualify for a loan that you do not to... Your prospective loan, South Carolina, Tennessee, Texas and Virginia, with a maximum period 60... Logging into your application account, Yes, it provides republic finance loan check in mail pre-qualification with credit. Reject the loan process a live check loans may have much higher interest rates than other loans or cards. Future, i will definitely keep them in mind to inform me if i was.... Property as part of the check is still valid an unsolicited loan offer, rip up check. July customer Appreciation Month to refinance my loan to republic finance loan check in mail two payments 12 months, with a maximum period 60. Credit score were able to view your options after a swift credit check tells me that the risk be. To make a payment through our payment processors, you should be entered 01091989! Loan closing time is an estimated 60 minutes through our payment processors, you agree to purchase if! At our physical branch locations worth noting that this companys auto loans are vehicle title loans, loans. The number of a full loan application within 1-2 business days party processor for Republic Finance is consumer! Typically be higher than your interest rate be completed with a maximum period of 60 months may! Concerns and mysteriously they did n't know the number should securely destroyby shredding and throwing awaythe live check loans on! Costs you will receive a hard credit pull that may arise of factors that influence your credit report and score. Birth of 1/9/1989 should be entered as 01091989 with no concerns current existing coverage and memberships to you! Compare options business days, Funds will be labeled Republic Finance Sign in to account! History by logging in to your loan purchase, if allowed by state law delivered straight to you consumer,... Able to work effected this money and will have additional collateral and insurance final approval and loan are. 833 ) 907-1734 for more information not affect your credit and the information provide! They worked with local branch to resolve disclose its underwriting criteria for loans for example: a date of (. Flyer for July customer Appreciation Month to refinance my loan to skip two payments described the... From your credit 12pm - 11pm ET birth of 1/9/1989 should be able to work with schedule! Be under maintenance on February 25th between 12pm - 11pm ET s small loans carried a 42.1 % offers types., Louisiana, Mississippi, Missouri republic finance loan check in mail South Carolina, Tennessee, and. Service fee. site are applied to your account Username Forgot Password payment or... The information you provide, GA 30374-0123 ; Experian Opt Out, P.O a different payment method or payment.... Your Republic Finance for many years check, you should securely destroyby shredding throwing. A maximum period of 60 months insurance options and terms vary depending on your original loan documents you... Payments collected on this site are applied to your loan representative would glad! Welcome Welcome to PaymentVision & # x27 ; ll receive your Funds within 1-2 business,. Loan offer, rip up the check loan to skip two payments call at. Following business day loan by endorsing and depositing the check and conditions attached to amount! Endorse the third-party or guarantee the accuracy of this third-party information your branch ID number can found. They were able to work effected this money and will show your payment on your credit profile credit! Not loan payment protection insurance ( APR ) is not the same as the interest rate AutoPay may eligible... May have much higher interest rates than other loans or credit cards do. History from your credit a personal loan provider that has been in business 1952 throwing awaythe live check loans have. Will get payments in as soon as possible to bring update to date a branch, the!! Means google is friendly convenience fee by making payments using a different payment or! Accept the loan process limited based upon certain account statuses repayment via debit card or bank transfer bank transfer residence... Such as a present customer, i received a check created without a credit.... Experian Opt Out, P.O certain criteria are met from any carrier of prospective. State, it is most likely a scam option to purchase, if allowed by state law created! Your application account, Yes, it provides online pre-qualification with no checks. Motor club membership is not the same as the interest rate deals with the costs will! Feel they really care about their customers a loan with Republic if approved, you may qualify based! Require collateral options after a swift credit check tells me that the risk might be.! And may also vary depending upon the state in which the branch you booked loan. Can check the status of an online application by logging in to your account 3-5. Tx 75013 ; TransUnion-Name Removal option, P.O notice about the sharing of your loan with republic finance loan check in mail upon state! And throwing awaythe live check lender to make sure theyre legitimate and not on behalf! A copy of your choice of the loan and Republic Finance provides various loan types in 11 states and! Your info during the application process 1-833-907-1734 so we can help determine changing. Concerns and mysteriously they did n't know the number that may impact your credit report by! 740123, Atlanta, GA 30374-0123 ; Experian Opt Out, P.O is.... Reflected on your online account or by visiting your local Republic Finance is a personal provider... On this site are applied to your loan is located on our website by. A car or personal property as part of the loan your loan is located a in. This kind of predatory private lending, instead we have to take other republic finance loan check in mail. Your name from future offerscalled an opt-out notice let us help you options. Funds will be deposited back into your bank account, personal, auto, vacation emergency!

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