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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 fromAmanda M
Date: 11/10/2023
1 starAmanda M
Date: 11/10/2023
I have been dealing with my local Republic Financial office for the past few years. Always had great interactions, never missed a payment, workers were always welcoming. I'm only assuming things have changed in the Foley, AL office. Phones are not answered professionally, which was some what confusing and worrisome considering I'm about to give account information. With a call back, a man is very un welcoming, unprofessional, then hung up on me. I'm now scrabbling to find a way to get away from this company.Republic Finance, LLC
Date: 11/21/2023
“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 fromRudolph H
Date: 10/31/2023
1 starRudolph H
Date: 10/31/2023
This is by far the worst company to get a Loan from. I took out $4,000 loan with them to consolidate my debt. They were so friendly and considerate during the process. They force you to accept insurance on the loan as part of tge requirements, even if you don't want it. Which means you're paying both the loan & an insurance you have no use for back. After receiving my check, I decided (10 days later) I didn't want it, so I called to ask if I could return the the un-deposited check and was told I would have to pay a fee for the days I kept the check ($200+). So I decided to deposit the check. A week later, I made a large payment in the amount of $1000, even though their APP stated no payment was due for another three months. After making my payment, I expected the overall balance to decline, but to my surprise it didn't. When I called, I was told the balance didn't decline because most of the payment went to interest because I didn't make a payment for three months. Which I disputed with the gentleman on the phone to no avail. I started making payments consistently. Their states payment is due on the 1st of the month, yet when I pay on the 1st, a fee is already applied, so you have to pay prior to the 1st. This company is a big rip off. I've spoken to a legal aide who believes this is predatory lending. They target desperate people and apply unnecessary fees to line their own pockets, instead of being fair in lending practices. Don't use them. Then after all this, they had the audacity to call me to ask if I wanted to borrow an additional amount. I've currently paid over $2,000 on a $4,000 loan and their APP states the balance is at $3300+.Republic Finance, LLC
Date: 11/07/2023
“Hi *******, I am so sorry to hear about your negative experience. We at Republic Finance strive to provide the best customer service possible. We have instructed the Regional Vice President over your local branch to reach out to you as soon as possible to discuss your issues.”Review fromAngie B
Date: 10/21/2023
1 starAngie B
Date: 10/21/2023
My father was applying for
A loan on a house this employee ***** was a great person to work for I am my dad poa so I was helping out but they came all the way to my dad house and explained the paperwork and got my dad to sign them the women put her two weeks notice in she knew that was enough time for us to finish the loan everything was done it just had to go threw the underrider one more time then we signed the papers I was signing for my dad since who couldn't leave the house but since she put her two weeks notice in they told her to leave that day we got this Kelly woman didn't even reach out to us we had to her well in the mean time she saying my dad called the loan people and wanted to stop the loan so she called my father and got my father confused with who he was talking to so he thought that he was talking to the first loan people that we was gonna go threw now I wished we did so he told them to stop the loan thinkinf it was the first bank people instead of ***** calling me she closed are case and sent it to fraud I been calling and texting she wouldn't reach out to me now you got to remember she not getting the commission off of this loan i texted her and asked her how this was fraud and told her someone was lying on my father thar i guess since shevwas going to go threw the loan somebody is slandering my dad and telling lies. And tried to ruin him from not getting a house he really wanted all she could was respond with a crying face like I was a cry baby who does that if republican hires and keeps worker like her nobody does need to any business with them at all and unprofessional that show you right there they don't care about people at all she just there for a pay check and to try destroy peopleRepublic Finance, LLC
Date: 11/02/2023
“Hi *****, at Republic Finance we try every day to deliver high quality loan products and excellent customer service. We would love to speak with you to find out how to improve our processes. Please feel free to contact us at ************** or **********************************. Thanks!”Review fromJolea S
Date: 10/04/2023
1 starJolea S
Date: 10/04/2023
In 2018 Republic Finance placed a wage garnishment on me. I filed for bankruptcy but unfortunately the attorney did not due their due diligence and finalize my bankruptcy (attorney was Hopson & Parris in Cadiz, KY). For 2018 my wages were garnished for $939.41 and the garnishment stopped when the bankruptcy was filed. In February 2019 I was advised that since my attorney did not pay the courts my initial payment for the Chapter 13, my case was dismissed. Republic Finance then put a 2nd garnishment on my paycheck. The 2nd garnishment was completed in 2019 after my payroll deductions totaled $1834.35. The bankruptcy was never completed and the garnishment was completed through my payroll. I have the check stubs to show these totals being garnished during 2018 and 2019. Yesterday I received notification that Republic Finance has now put another garnishment on my payroll for $1243.60 which claims a prior balance of $243.87 plus interest and court costs for a total of $1243.60. No one from Republic Finance has contacted me since 2018 and the garnishment was paid in 2019 so I am disputing this garnishment.Republic Finance, LLC
Date: 10/09/2023
“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 fromKathy M
Date: 10/02/2023
5 starsKathy M
Date: 10/02/2023
Cullman AL office- great customer service. Friendly and professional. Highly recommend.Republic Finance, LLC
Date: 10/03/2023
“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 fromYolanda M
Date: 09/29/2023
1 starYolanda M
Date: 09/29/2023
My wages have been garnished twice a month; I am paying nearly $1,000 monthly for approximately $6,000 that I owe. The rate is extremely high; I borrowed about $3,500.
I am having to move from my apartment, I can't afford to pay for necessities (medication, food, utilities). Due to my chronic illness I am required to take certain medication as well as monthly infusion. I contacted the main office for Republic Finance and I was told that I would have to
speak with their attorney. I didn't contact the attorney. I praying that I will be able to pay this company off.Republic Finance, LLC
Date: 10/03/2023
“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 fromBrandy C
Date: 09/29/2023
1 starBrandy C
Date: 09/29/2023
They will call our landline & will turn right around and call my husband's cell phone a minimum of 5 times a day every day on each phone line. That is a minimum of 60 phone calls a week.
This is harassment & violation of the debt collection law.
If we answer the landline, they NEVER say a word and will hang up then call my husband's cell phone and if he answers that phone again, they NEVER say a word. If we miss the call, they Never leave a voicemail on either phone line so why even call? Is this a way for them to say that they have "tried" to contact my husband in case they try to take him to court?
Well I got news for them, we have the phone records to prove all of the harassing phone calls to support the have violated the debt collection law.Republic Finance, LLC
Date: 10/03/2023
“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 fromSandra S
Date: 09/26/2023
1 starSandra S
Date: 09/26/2023
I think these people don't seem to know how to read a contract. Due dates are the 27th and they say it's the 5th. I am going by what my contract says. Spoke to someone at the branch in SA and explained to him about the due date and they send out a letter stating our payment was missed yeah right!!!Republic Finance, LLC
Date: 09/28/2023
“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 fromLandus H
Date: 08/24/2023
1 starLandus H
Date: 08/24/2023
Republic finance oxford Mississippi branch manager ****** ******* I don't appreciate they way he talks to my wife when she tries to communicate about our payment he is disrespectful and talks down to her with personal remarks on how we pay our bills and treating to try to make us post date a check. Even though we are only due for one paymentRepublic Finance, LLC
Date: 08/31/2023
“Hi ******, I am so sorry to hear about your negative experience. We at Republic Finance strive to provide the best customer service possible. We would like the chance to speak with you and try to make this right. Please feel free to contact us at ************** or **********************************. Thanks!”Review fromMandy W
Date: 07/21/2023
1 starMandy W
Date: 07/21/2023
The home office has attempted to call me 40 times in one day and 20 times the day before. That is harassment and a violation of the debt collection laws.Republic Finance, LLC
Date: 07/28/2023
“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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