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Republic Finance, LLCThis business is NOT BBB Accredited.
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Reviews
This profile includes reviews for Republic Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1.25/5 stars
Average of 99 Customer Reviews
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Review fromJackie S
Date: 07/15/2024
1 starJackie S
Date: 07/15/2024
I told them I was filing bankruptcy and they filed a suit on me and had me served a summons to go to court. They knew I was filng bankruptcy and even after they had already the case number I was still served anyway. The police came to my door and wouldn't leave until I accepted the summons after I told them that my attorney told me not to accept it that it was supposed to be rescended. I do not get my discharge until next month I am still under the protection of bankruptcy law and they had me served anyway. Chapter 7 Western KY. Office in Bowling Green Ky... I did not want to leave any stars but it made me choose at least one.Republic Finance, LLC
Date: 07/18/2024
Hi ******, thank you for taking the time to tell us about your problem. We would like to speak with you so that we can figure out the best way to address any issues that affect our customer service. Please feel free to contact us at ************** or **********************************. Thanks!Review fromOfelia M
Date: 07/10/2024
1 starOfelia M
Date: 07/10/2024
I settled my account back in 2023, I still have the settlement letter and now Republic Finance is charging me the balance calling it a clerical error.Republic Finance, LLC
Date: 07/16/2024
“Hi ******, thank you for giving us a heads up! It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. In your review, you dispute the way certain information regarding your account is being reported to the credit reporting agencies. Republic Finance immediately investigated this matter. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to you regarding the resolution of this matter.Review fromBig D
Date: 07/04/2024
1 starBig D
Date: 07/04/2024
Please be aware that Republic Finance is an absolutely slimy company, and as such, they toe the absolute line between a legitimate financial institution, and predatory lenders such as title loan companies, and Indian reservation payday loan lenders. They more resemble the latter than the former.
Precisely because they are so slimy, you need to take the following into consideration BEFORE signing on the dotted line:
1) The main goal is to PAY OFF YOUR LOAN QUICKLY. They'll try to suck you in with misleading claims like "Only $100/mo Payments", and then obscure the actual terms of your loan in the fine print. For example: If you take out $2500 loan repayable over 2 years, you'll end up paying nearly double that in finance charges when all is said and done.
2) Pay down the balance AS EARLY IN THE LOAN AND OFTEN as your financial situation will allow. If you pay back $1250 of the above $2500 loan in the first month, you've effectively cut the potential profits of these loan sharks in half with a single payment. The scumbags are hoping, even depending, that you'll take the whole 24 month term to repay. That is their business model.
3) Call your local branch to get the payoff amount. Naturally, slimy companies like Republic only display the full term amount on their websites, and that number may feel insurmountable to you. You don't owe that full amount early in the loan. It would be ILLEGAL for them to charge you that full amount. Talk to the scumbag on the other side of the phone, and see how much you actually owe.
4) If you have no other options, and have to default, bad for your credit score... but even worse for them. This is the "Achilles heel" of these slimy operations. You'll take the hit on your credit, but they take the hit on their bottom line, which is a good thing.
It's tough out there, folks. These kinds of financial products are plausible for extremely short term lending (i.e., 3 or 4 months). Don't let them get you over the long term, though.Republic Finance, LLC
Date: 07/12/2024
Hi ***, Republic Finance is always grateful for your feedback. It sounds like you may have had a negative experience with us, and we would like the opportunity to speak with you to gather additional information. Please feel free to contact us at ************** or **********************************. Thanks!Review fromDiana J
Date: 06/24/2024
5 starsDiana J
Date: 06/24/2024
Republic finance is a great loan company. I've had 3 loans with them and it's easy ,staff is so nice,fast .they offer insurance policy free and it's paying my husband's loan while he recovers from an injury. They work with you if you have issues. I love Republic finance bossier city, laRepublic Finance, LLC
Date: 06/25/2024
Hi *****, at Republic Finance we try every day to deliver high quality loan products and excellent customer service. We want to say thank you for your kind words and your business.Review fromHolly F
Date: 06/14/2024
1 starHolly F
Date: 06/14/2024
I’m from Texas and I was served with paperwork close to 9 pm with this company. Also, I owe them 3,395 I was only late a three months since I’m dealing with hard times and I been having to have three surgeries since I opened up this account. I understand people have hard times I have even spoke with them several times that I’m having a financial bind and it was like they understood and they told me I can go up there to fill out paperwork and my payment lower a day before getting served I feel like this business isn’t very customer friendly because the person I talked to seemed like they were laughing at me before they picked up the phone.Republic Finance, LLC
Date: 06/17/2024
“Hi *****, thank you for making us aware of your experience. Republic Finance is committed to providing excellent customer service and we would like the opportunity to speak with you to better address your concerns. Please feel free to contact us at ************** or **********************************. Thanks!”Review fromTruthSeeker12
Date: 06/13/2024
1 starTruthSeeker12
Date: 06/13/2024
This company started calling me incessantly day and night starting one day after the agreed upon monthly payment date. I had always paid on time, but has run into a problem starting that month. My wife who worked for collections was shocked how aggressive they were indicating they usually wait to call you like that for a bit. Fast forward to recently and they started harassing my references, calling them incessantly too. One finally answered and to quote my reference about the call, "he said he was calling from a finance company in St.Peters, MO". That tells him it is just one of maybe a few companies and the nature of the issue--debt collection. Furthermore, "The guy said you used my name as a reference". I don't think they can identify the reference as a reference in an attempt to collect a debt. Needless to say, I am seeking legal advice. They humiliated me to a friend all but telling them what it was about rather than just confirming what my reference had as my contact information.Republic Finance, LLC
Date: 06/17/2024
“Hi *******, thank you for taking the time to tell us about your problem. We would like to speak with you so that we can figure out the best way to address any issues that affect our customer service. Please feel free to contact us at ************** or **********************************. Thanks!”Review fromClorissa E
Date: 05/27/2024
1 starClorissa E
Date: 05/27/2024
They was paid in full 2300$ chapter 13 but lawyer for Republic finance continue to say client owed more money $2800. That was a lie. Client, lawyer and Republic finance lawyers said client old $1000 in a second bankruptcy In the eastern District of Louisiana. complaint was filed against the attorney disciplinary counsel say they didn’t find any wrong doing.Republic Finance, LLC
Date: 06/03/2024
“Hi (********), thank you for taking the time to tell us about your problem. We would like to speak with you so that we can figure out the best way to address any issues that affect our customer service. Please feel free to contact us at ************** or **********************************. Thanks!”Review fromKevin t
Date: 05/21/2024
1 starKevin t
Date: 05/21/2024
Horrible. Interests rates are higher than a Indian fly night loan company. If you're late on a single payment you get letters in the mail from your local sheriff's office letting you know they're taking legal action. Will not work with you when you call them. And that's if you can even get them to answer the phone. Republic Finance is simply a company that found ways to use the legal system to their advantage to scam people out of money.Republic Finance, LLC
Date: 06/03/2024
“Hi *****, thank you for taking the time to tell us about your problem. We would like to speak with you so that we can figure out the best way to address any issues that affect our customer service. Please feel free to contact us at ************** or **********************************. Thanks!”Review fromJennifer B
Date: 05/06/2024
1 starJennifer B
Date: 05/06/2024
I was going through hard times and decided to work with debt settlement. At the end of last year a settlement was made after I was served papers for a court date. I quickly signed my paperwork and returned to republic as instructed. Last month I got paperwork for a court date. Imagine my confusion as I've been making my payments since January as per the settlement agreement. I called and had a terrible experience with the legal department who told me that the address I had didn't exist even though it's on the legal documents from the office. Since I've been trying to get someone to call me back and let me know what if anything I need to do as I was told they didn't have my agreement signed. This is not at all how a person should be treated. I fully understand and want to pay my debts and trust going the debt settlement route wasn't a easy decision for me. I don't know if I have legal action against republic at this point but trust I will now be seeking any avenue I have as apparently this company is attempting to take the money I'm paying and attempt other avenues for more which seems fraudulent to me.Republic Finance, LLC
Date: 05/09/2024
“Hi ********, thank you for taking the time to tell us about your problem. We would like to speak with you so that we can figure out the best way to address any issues that affect our customer service. Please feel free to contact us at ************** or **********************************. Thanks!”Review fromLinda B
Date: 05/03/2024
1 starLinda B
Date: 05/03/2024
Tired to renew a loan which I had paid over 3500.00 twice and was told both times to make a couple more payments because there wasn't nothing they could do for me. Been a loyal customer for over 5 years never missed a payment and never late. This is the worst company to do business with.Republic Finance, LLC
Date: 05/09/2024
“Hi *****, thank you for taking the time to tell us about your problem. We would like to speak with you so that we can figure out the best way to address any issues that affect our customer service. Please feel free to contact us at ************** or *********************************** Thanks!”
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