Terms to Know

Terms to Know

1. Amount Financed: the total dollar amount of the credit that is provided to you.
2. Annual Percentage Rate or “APR”: a measure of the cost of credit expressed as a yearly rate.
3. Finance Charge: the dollar amount you pay to use credit.
4. Fixed Rate Financing: the interest rate and the payment remains the same over the life of the loan. Equal monthly payments of principal and interest are made until the debt is paid in full.
5. Late Payment Fee: a fee that is charged when payment is made after its due date.
6. Monthly Payment Amount: the amount due each month to repay the credit agreement.
7. Term of Loan: the total number of months you have to pay the credit obligation.
8. Total of Payments: the amount paid after all payments have been made as scheduled.

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Moving from an Assistant Manager position to my position in Home Office was definitely an eye-opener. I was essentially able to witness what goes on "behind the curtains." Every department in Home Office plays an integral role in the success of the company, and I enjoy having the opportunity to see every moving part operate behind the scenes in order to provide support to our teams in the field.
- Chase Griffin
I joined Republic Finance as a Customer Service Representative while still in college working toward an associate's degree in Business Management. Now working toward a bachelor's degree, my Branch Manager and Regional Vice President have been very supportive of my career goals to move up in the company. I am so abundantly blessed to have such a supportive supervisors. I have no doubt Republic Finance truly cares for its employees and wants to see...
- Emily Brumbelow
From day one, Republic Finance has been transparent with me in regards to its available career paths. Over the last 7 years, I have worked my way from Assistant Manager to Branch Manager to now Regional Vice President. The company’s established Rapid Advance Management Program has proven to be everything and more that my recruiter presented to me.
- James Spain
The Compliance department is responsible for facilitating the resolution of customer complaints. Oftentimes, customers contact us because they are experiencing temporary hardships and as a result are having difficulty fulfilling their loan obligations. Time and time again, I witness our Regional Vice Presidents working out mutually agreeable resolutions with our customers. It's great to know that Compliance helped facilitate an agreement between Republic Finance and a customer which helps the customer...
- Merri Hope Thompson
As a Regional Vice President, I've had the opportunity to use my training, knowledge, and lessons learned through my experiences to help mold successful career paths and have a positive impact on those under my supervision.
- Robert Holladay

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Loans available through Republic Finance are offered by Republic Finance, LLC or Column N.A. All loans will be serviced by Republic Finance, LLC unless otherwise notified. Personal loans in AL, AZ, FL, GA, IN, KY, LA, MS, MO, NC, OH, TN, TX, SC, VA, WI are originated by Republic Finance, LLC. In Utah, auto secured loans with a term of less than twelve months are originated by Republic Finance, LLC. In Utah, Column, N.A., offers installment loans by mail (loan checks). In states where loans are offered by Column N.A., new loans are underwritten, approved, and funded by Column N.A. Information received by Republic Finance in connection with your loan inquiry related to loans originated by Column N.A. will be shared with Column N.A. Minimum and maximum loan amounts and other loan terms depend on applicant’s state of residence and applicant’s satisfaction of eligibility requirements and approval by the applicable lender. Republic Finance, LLC is not a bank.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.