Reprise Financial Reviews

Bait and switch, customer service reps RUDE. Charge ABSURD fees to account. Won't let you change payment date. interest rate is super high. 35%. So far the additional fees are 255! Car will be way less than loan. STAY FAR AWAY. And they LIE! Consumers GO SOMEWHERE else. Read the complaints. WE ARE NOT LYING. Worst loan I ever got. I feel like I owe the mafia. You have been warned.

Team reached out to resolve the issue.

This is the place to go if you want to pay double for your car. They will not work with you on your 33% interest rates no matter how many on time payments or if your credit score went up. I highly recommend nobody use this place. I will be paying 10k in interest on a 10k loan. When it is done I estimate my vehicle being worth nothing. Do not make the same mistake I made. This was my last resort and I thought I was doing the right thing. I was wrong.

I received a pre‑approved auto‑loan offer from Reprise Loans for a specific amount and APR (Insert here); after I submitted my application and requested documents, Reprise Loans reduced the loan amount, raised the APR, requested additional undisclosed documents, and refused to fund unless I paid off an existing vehicle lien — a payoff requirement never disclosed in the pre‑approval or application and communicated only after I applied, which materially reduced the net proceeds and constitutes a bait‑and‑switch. These facts suggest violations of California law (False Advertising Law, Bus. & Prof. Code § 17500; Unfair Competition Law, Bus. & Prof. Code § 17200; Consumer Legal Remedies Act, Civ. Code § 1750 et seq.) and may implicate federal Truth in Lending Act/Regulation Z disclosure requirements (15 U.S.C. § 1601 et seq.).

Online application is ridiculously cumbersome. They don't tell you in advance what you're going to need to have on hand. Every time you think you're about to finish, they want something else. You're going to need files of front and back of your driver's license, every page of your most current bank statement, take photo/videos of your face, front and both sides profile, plus turning your head left to right several times. All of that to find out that the fees and interest rates are SUBSTANTIALLY more than stated when you applied, higher than my worst credit card rate....And that was with a credit score of 760.