It may be from a lender you have borrowed from in the past or from a new lender. 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. How do I determine if I should accept this loan offer? If you dont know what that means google is friendly. 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.. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Not all consumers will qualify. FAQ. We are conveniently located at Company nameAddressZip codePhone numberCalifornia Budget Finance3004 W Lincoln Ave92801 8282033ALL Cash Express1001 N State College Blvd92806 6879133ALL Cash Express1204 S Euclid St92802 I Received An Unexpected Pre A live check is actually an unsolicited loan offer. Congratulations! It only takes a few minutes and wont affect your credit score. 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? Secured loan options are available exclusively in-branch and have additional collateral and insurance requirements. A live check is a preapproved or prescreened loan offer that you did not apply for. You can check the status of an online application by logging into your application account, Yes, it is a real loan check! Be the first one to find this review helpful. 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. Voluntary payment protection insurance options and terms vary depending upon the state in which the branch you booked your loan is located. Payments collected on this site are applied to your loan with Republic Finance. If you pre-qualify and apply online, well review and verify your information. Payments using your debit card will post the same day. 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. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. 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. 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. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit OptOutPrescreen . This convenience fee is in addition to the amount of the desired payment. We value your privacy. I have been a customer with Republic Finance for many years. Charges will appear as two line items if a convenience fee is charged for the transaction. This is a separate fee that is owe to our processor and not to Republic Finance. We are excited to announce the opening of our new branch in Salisbury, NC. What information is required to make an online payment? Simply come by the closest Time Financing Service office today, and see how we can help you get the cash you need. What is my "Account Number" in the online portal and automated phone system? 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. 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. Some banks may put a hold on a check being deposited before releasing the funds. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). Ive been a customer of Republic Finance for about 3 years. The ability to set up AutoPay may be limited based upon certain account statuses. Secured loans involve using collateral such as a car or personal property as part of the loan agreement. Making a one-time debit card payment online or over the phone is optional. Let us help you take that family trip or have some fun with friends! Otherwise, your payment confirmation will be sent to you via regular mail. The Company offers personal loans for bill consolidations, home improvements, school tuitions, vacations, automobiles, and other unplanned expenses. How can I protect myself and others I care about from fraud and scams? 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. With a secured loan, you may qualify for a larger loan amount. Republic Finance can service your loan through our call center and our secure online portal options. 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. * 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. 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. Note that payments may not be reflected on your online account summary until the following business day. As a present customer, I received a flyer for July Customer Appreciation Month to refinance my loan to skip two payments. Lending you money that isn't really there is the key to predatory lending. After signing, you could either receive your loan proceeds directly into your bank account through an ACH transfer (within 1-2 business days), or you could receive your funds in the form of a paper check as soon as the same day if you go to one of Republic Finances 250+ branch locations. 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. VA: Republic Finance, LLC is licensed by the Virginia State Corporation Commission (License No. Be sure to read all the fine print to determine whether the check is a refund from a reliable agency such as the Internal Revenue Service or it is a common Live Check Loan.. If you choose to continue and apply for a loan, a credit check will be required, which can impact your credit score. Current customers . To make a payment online you will need to enter the following information: Date of Birth (MMDDYYYY). If you provide an email address, your payment confirmation will be sent via email. Save yourself time and make your payments online from anywhere with your debit card or checking account! Trusted Lender since 1952 350 K+ Active Customers 4.9 /5 Average Customer Rating ^ $4B + Unsubscribe easily. By endorsing and depositing the loan check, you agree to the terms and repayment schedule of the loan as described in the attached agreement. For pre-qualification, no. available exclusively in-branch and will have additional collateral and insurance A link has directed you to this review. You can access your payment history by logging in to your account online, contacting your local branch, or calling 1-833-907-1734. The Annual Percentage Rate (APR) is not the same as the interest rate. I fell behind and they were able to work with my schedule. 4 Apply Now 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. 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. Current customers: some current customers may not be eligible for a loan refinance. 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. To make payments online you can. Thanks for the review! The process is super easy and quick. 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%. Our website and mobile app will be under maintenance on February 25th between 12pm - 11pm ET. 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. This investment firm is called CVC Capital Partners. Loan terms, rates, and origination fees apply based on your state of residence and may vary depending on your creditworthiness. A secured personal loan is a loan that requires you to use your personal property as collateral (for example, a vehicle, laptop, etc.). Its worth noting that this companys auto loans are vehicle title loans, not loans for purchasing cars. What is an APR on a payday loan and how should I use it? They're always there when I need them! Not all consumers are eligible to apply online. Republic Finance worked with me to get me a personal loan that fit into my budget on the pay schedule. Yes; you will have until 4:00 p.m. EST on the day the payment is made to modify or cancel. I could not have asked for better than service. You can set up AutoPay through your online account or by visiting your local Republic Finance branch. 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. 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. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year. 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. Call (833) 907-1737. The loan amounts usually range from several hundred to several thousand dollars. Although you have the option to purchase payment protection insurance from Republic Finance, you may purchase insurance from any carrier of your choice. This information may include links or references to third-party resources or content. Secured loan applications and closings must be completed with a branch employee, and not on our website. 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. Republic Finance does not provide loans in every state. 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. Republic Finance provides various loan types in 11 states, and you can pre-qualify online. When making my payment I called the Stone Mountain office and I would be charged fee. Scammers sometimes send fake loan offers via mail, email, or text. Some functionality may be limited during this time. You can also see if you prequalify for an unsecured loan on Republic Finances website. Live check loans may be convenient since you do not have to complete a loan application or file paperwork. 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. Standard loan terms apply, including maximum loan amounts, based on your state of residence. However, you can pay your loan off early with no extra fees. Got regional manager involved, they worked with local branch to resolve. Republic Finance is a consumer loan company that offers multiple types of loan options up to $10,000. ^ Independent service rating based on 10,000+ verified reviews through Feefo. 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. Message and data rates may apply. Let us help you celebrate the holidays with your family and friends! You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. If you've received a loan check in the mail, you've already been pre-approved for a loan Yes! It offers online pre-qualification and loan re payment via its online payments portal. This loan offer will include a check made out to you ready to cash. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. To learn more, give us a call at (866) 356-1320. You must borrow at least $1,000 to participate in this offer. To opt out permanently, visit OptOutPreScreen and return a signed Permanent Opt-Out Election form, which they will send after you make the request. The APR is the interest rate plus the fees you may be required to pay on the loan (i.e. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan payment protection insurance. I love Republic Finance. Not all insurance types are available in all states. All refinance applications and closings must be completed with a branch employee, and not on our website. Box 740123, Atlanta, GA 30374-0123; Experian Opt Out, P.O. Choose which type of loan you want to borrow. We love a happy story :) Thanks for your review! However, live check loans may have much higher interest rates than other loans or credit cards. Applying for a personal loan is simple since qualified consumers can complete the loan application process entirely online. 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. 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. Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. I would be extremely wary of this. I have always had a great experience and feel they really care about their customers. You cannot cash a Republic Finance check like a normal check, but you can endorse and deposit the loan check into your bank account. But had a hard time in the beginning to TALK to someone. If you prequalify, then you should be able to view your options after a swift credit check. We value your privacy. Generally, personal loans are secured by collateral, such as your automobile or other personal property, such as your laptop. * Not all consumers are eligible to apply online. Trouble signing in? 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. 2 Verify your info during the loan application process. 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. Republic Finance is not a credit repair organization. However, your rates may differ, and Republic Finance doesnt offer loans in every state. 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. 554 South Pike West Road. Live check loans may be convenient, since you do not have to complete a loan application or file paperwork. The content on this page provides general consumer information. 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. Republic Finance Loan Check In Mail, Republic Finance Loan Check in Mail: A Safe Way to Get a Loan If you are in need of a republic finance loan check, there are several methods available to get it. What is a live check loan? 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. 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. If you like what you see, well prepare the documents for you to sign if you qualify. Applying for an online personal loan is simple:3 1 Fill out a pre-qualification request (this won't affect your credit score). Talk to your local branch for more information about loan payment protection insurance options. Box 919, Allen, TX 75013; TransUnion-Name Removal Option, P.O. Copyright 2020 Time Financing Service All Rights Reserved. The purchase of any required insurance from Republic Finance is optional. 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. Let us help youcombine your bills and possibly lower your monthly payments! Where can I find my Branch ID Number? Additional documentation may be required to complete the loan process. While its not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options. 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