No refund will be made if the unearned . I already cashed the check. Simply come by the closest Time Financing Service office today, and see how we can help you get the cash you need. A live check is actually an unsolicited loan offer. How do I determine if I should accept this loan offer? I have always had a great experience and feel they really care about their customers. Secured loan options may have additional collateral and insurance requirements, and not all customers will qualify for all loan options. Well be available to answer any questions! Republic Finance offers AutoPay in the form of recurring debit or recurring ACH payments. Final approval and loan terms are contingent on completion of a full loan application. GA & OH: Republic Finance, LLC (NMLS # 182116). * Not all consumers are eligible to apply online. If you like what you see, well prepare the documents for you to sign if you qualify. This example is based on an average customer with good credit. Republic Finance provides various loan types in 11 states, and you can pre-qualify online. Motor club membership is not loan payment protection insurance. Credit Life, Credit Disability, Involuntary Unemployment, Property, Property Auto are types of loan payment protection insurance. If you cannot afford the payments as described in the offer, contact the lender about possible options to repay your 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. Voluntary product insuranceoptions and terms vary depending upon the state in which the branch you booked your loan is located. Get Directions. 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. "OPC*Republic Finance or ACI*Republic Finance." All loans and renewals are subject to approval pursuant to standard underwriting criteria. Learn more about check scams from the FTC. Most customers can apply and get approved for a personal loan completely online. Loan Voluntary Product Insurance, 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. 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. 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. CONTENTS Overview Reviews Updated 02/25/2023 About Regional Finance This profile has not been. When I called back to inquire of the status of the loan, I was told they had not heard back from the underwriting team and will let me know as soon as they did. The ability to set up AutoPay may be limited based upon certain account statuses. Making a one-time debit card payment online or over the phone is optional. 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. 2 Verify your info during the loan application process. Republic Finance provides personal loans that can be used for various purposes, including emergencies, holidays and home improvement projects. Republic Finance is not a credit repair organization. Secured loans will have collateral and insurance requirements. Our content is intended to be used for general information purposes only. Republic Finance is an amazing company. Login Page Welcome Welcome to PaymentVision's online payment portal. Explore guides to help you plan for big financial goals. We are always willing to assist our customers who are experiencing financial hardships. Property auto insurance is insurance that protects the insured creditors interest in the borrowers collateral (vehicle) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. Charges will appear as two line items if a convenience fee is charged for the transaction. The Annual Percentage Rate (APR) is not the same as the interest rate. Scammers sometimes send fake loan offers via mail, email, or text. Time Financing Service may require a pledge of collateral to obtain a loan. Thanks Republic Finance, always looking out for me . Indicates payment amount made to Republic Finance Let us help youcombine your bills and possibly lower your monthly payments! Payments using your bank account information will post the same day if made before 4:00pm Eastern Standard Time. The interest rate deals with the costs you will pay to borrow money. Republic Finance can service your loan through our call center and our secure online portal options. Always check your current existing coverage and memberships to ensure you are not obtaining unnecessary coverage. Scammers sometimes send fake loan offers via mail, email, or text. Box 740123, Atlanta, GA 30374-0123; Experian Opt Out, P.O. Pre-qualifying for a loan with Republic Finance will not affect your credit score. You must borrow at least $1,000 to participate in this offer. 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. The personal loan process is straightforward and transparent. 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. Box 919, Allen, TX 75013; TransUnion-Name Removal Option, P.O. Oh no, sounds like there was a communications issue for sure! With that said, a check created without a credit check tells me that the risk might be worth . One line item will be labeled Republic Finance and will show your payment on your Republic Finance account. 4. Secured loan applications and closings must be completed with a branch employee, and not on our website. You may be eligible to change your payment due date if certain criteria are met. Be sure to read the fine print included with this check to determine whether this loan is right for you. PaymentVision is a 3rd party processor for Republic Finance. : CFI-196). 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. If you go through the entire application and approval process, you will receive a hard credit pull that may impact your credit. 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. Let us help you with unexpected personal expenses. You can avoid being charged this convenience fee by making payments using a different payment method or payment channel. Unsubscribe easily. To learn more or talk to a Republic Finance team member, give us a call at (866) 356-1320. 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. Woohoo! We'll be happy to answer any questions. Will I receive confirmations of my payments? I received a check in the mail made out to me. To learn more, give us a call at (866) 356-1320. Call me at (404) 327-3030, or email BetterCallHarry@cbs46.com. However, you can pay your loan off early with no extra fees. Secured loans involve using collateral such as a car or personal property as part of the loan agreement. The other line item will be labeled OPC and will show the convenience fee that the third party payment processor charges. How do I stop these unsolicited loan offers? Choose which type of loan you want to borrow. Note that payments may not be reflected on your online account summary until the following business day. To make a payment online you will need to enter the following information: Account Number Date of Birth (MMDDYYYY). Yes. Pre-qualification gives you an estimate of loan terms you may qualify for based on your credit and the information you provide. Let us help you with K-12 school year expenses such as new uniforms, books, or supplies. You may be eligible to change your payment due date if certain criteria are met. However, live check loans may have much higher interest rates than other loans or credit cards. Just endorse the This is a cashable check and youve have been preapproved for $1,500 dollars in cash, and you could qualify for up to $10,000! Towards the end of the loan no one knew number of payments remaining, balance was given different answers each month. The APR is the interest rate plus the fees you may be required to pay on the loan (i.e. 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. 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. 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 To login, you will need to have your Account Number and your birthdate. We are excited to announce the opening of our new branch in Salisbury, NC. FYI, the reason you are not receiving statements with a explanation of your balance and interest calculations, is because they are not required to follow ( Regulations Z). There may be other resources that also serve your needs. Credit life is insurance that pays the covered balance of the loan in the event of the insureds death during the term of coverage. We also offer secured loans at our physical branch locations. 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. 3 Sign loan documents and get your money. Answer was yes now see still not correct 2 months after paid off. Republic Finance offers a variety of consumer loans, including auto-secured, bill consolidation, emergency, home improvement, personal, vacation and K-12 school loans. Republic Finance, LLC provides financial services. Get buying tips about Payday and Title Loans delivered to your inbox. Visit site: www.republictaxpayer.com Contact by phone: 1-866-581-1040 Community Donations Republic Bank proudly supports local nonprofits. This example is based on an average customer with good credit. I wouldn't recommend using this company for any unexpected situations that may arise. Thank you, you have successfully subscribed to our newsletter! Maximum APR not to exceed 35.99%. Your assigned branch andaccount number can be found on your original loan documents or you can call(833) 907-1734 for more information. 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. 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. 3. Some customers may not be eligible for all loan types. If you have a live check and got stuck in a loan paying 30, 40 or 50 percent, we want to hear from you. * 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. Phone: (803) 775-3706. Click. The Annual Percentage Rate (APR) is not the same as the interest rate. Upon cashing the check, you became bound to the terms and conditions of the loan offer. 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. Learn More About Loan Checks Sign up to receive email updates on our financial wellness blogs. origination fees, closing fees, documentation fees, and other finance charges) and is expressed in terms of a percentage rate. Contact your local branch or call 1-833-907-1734 for more information if you are unable to set up Autopay. This companies predatory lending is based on innocent ignorance. Have you ever opened your mail and found an unexpected check? If you've received a loan check in the mail, you've already been pre-approved for a loan Republic Finance provides personal loans that can be used for various purposes, including emergencies, holidays and home improvement projects. 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. Then you can enroll and sign in to your account on our, Unfortunately, we are unable to send loan checks by request because these offers are based upon eligibility criteria confirmed by a Credit Reporting Agency. Ive been a customer of Republic Finance for about 3 years. 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. 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. 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. Lending you money that isn't really there is the key to predatory lending. Not all insurance types are available in all states. Republic Finance is not FDIC insured and is not regulated or backed by a bank instead they were bought out by one of the largest private investment firms. It may be from a lender you have borrowed from in the past or from a new lender. 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. Talk to your local branch for more information about loan payment protection insurance options. Property auto insurance is insurance that protects the insured creditors interest in the borrowers collateral (vehicle) against certain types of direct and accidental loss or damage to the collateral during the term of coverage. It operates in: Qualified customers may have the option to complete the entire loan process online. Secured loan options are available exclusively in-branch and have additional collateral and insurance requirements. However, live check loans may have much higher interest rates than other loans or credit cards. 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 approved, you'll receive your funds within 1-2 business days. ConsumerAffairs is not a government agency. Yes. You'll pay back your loan in monthly installment payments over a set period of time. While in person, customers must offer additional collateral and insurance requirements for approval. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). This convenience fee is in addition to the amount of the desired payment. Not all consumers will qualify. They are happy and they want everyone to know that if you get one of those live checks in the mail, throw it out. Learn more about opting out of unsolicited loan offers. Current customers . If you pre-qualify and apply online, well review and verify your information. Asked multiple times over last months if it was done correctly. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year. A loan check is a preapproved loan offer. We service customers outside our physical branch locations. A live check is a preapproved or prescreened loan offer that you did not apply for. My payday lender said my loan would cost 15 percent but my loan documents say the annual percentage rate (APR) is almost 400 percent. 4 Apply Now A privacy notice about the sharing of your personal information, Your right to exclude your name from future offerscalled an opt-out notice. While its not available in every state, it provides online pre-qualification with no credit checks, which can help you compare options. 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. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. 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? We would like the opportunity to speak with you to better address your concerns. Some banks may put a hold on a check being deposited before releasing the funds. I applied over the phone at a local branch as directed. And for that, I'm a loyal customer! 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