Reprise Financial Reviews
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About Reprise Financial
Reprise Financial, based in Irving, Texas, is a personal loans company offering secured and unsecured loans to consumers in 38 states. It provides loans for unexpected or large expenses and offers fast online quotes, applications and approval. The company lends between $2,500 to $25,000 with terms of two to five years. All credit score ranges are eligible to apply. Funding is generally available the next business day after approval.
- Fast funding
- View loans without a hard credit pull
- Flexible terms and uses
- No self-employment as primary income
- APR can be high
What is Reprise Financial?
Reprise Financial offers personal loans originated by WebBank, a Federal Deposit Insurance Corporation bank based in Salt Lake City, Utah, to consumers in 38 states. Secured and unsecured loans from Reprise Financial range from $2,500 to $25,000, or a $3,500 minimum in Georgia. Repayment terms are typically two to five years, and loans can be used for various purposes.
The company accepts applications from people with poor to excellent credit history and does not charge a prepayment penalty for early payment.
Reprise Financial loans
Reprise Financial offers personal loans from $2,500 to $25,000 for a variety of different uses, such as:
- Debt consolidation
- Large purchases
- Credit card refinancing
- Moving expenses
- Medical expenses
- Dental expenses
- Unexpected expenses
- Vacation and travel expenses
- Special occasion and wedding expenses
- Engagement ring expenses
Reprise Financial terms
Reprise Financial offers personal loans ranging from $2,500 to $25,000, with amounts, interest rates and terms varying depending on factors such as your personal credit history, whether the loan is secured or unsecured and the state you live in.
It lends to consumers with bad, fair, good and excellent credit. Secured loans use a vehicle as collateral. There is no prepayment penalty for Reprise Financial loans.
You can request a rate estimate on the company’s website. Reprise Financial does a soft credit pull with personalized loan estimates.
| Loan amounts | $2,500 to $25,000 |
|---|---|
| Term lengths | 36 to 60 months |
| APR range | 9.99% to 35.99% |
| Origination fee | 6% |
| Prepayment fee | None |
| Minimum credit score | Not disclosed |
Reprise Financial rates
According to Reprise Financial, interest rates on personal loans may vary depending on a borrower’s credit score, credit history, loan amount and other factors. For example, Reprise Financial claims that $10,000 and $20,000 personal loan interest rates range from 9.99% to 35.99% APR.
Not all Reprise Financial origination fees are publicly available, but an example personal loan to a borrower in New Mexico securing their loan with a vehicle may include a 6% loan origination fee, a $25 document preparation fee and a possible additional lien recording fee from the New Mexico Motor Vehicle Division. For this particular loan, a 5% delinquency fee may apply to delinquent balances.
Your own loan terms and fees may vary.
Reprise Financial FAQ
How long does it take for Reprise Financial to approve a loan?
Reprise Financial can preapprove loans within minutes and provide funds as soon as the next business day after approval.
Does Reprise Financial do a hard credit pull?
Yes, applying for a loan with Reprise Financial requires a hard credit pull and will probably affect your credit score. However, when you initially check your rate with Reprise Financial, the company runs a “soft” credit pull.
Can you pay off a Reprise Financial loan early?
Yes, Reprise Financial loans can be paid off early and do not include a prepayment penalty. Paying off your loan early may save you money, so it’s worth considering if you have a personal loan.
Does Reprise Financial verify income?
Yes, Reprise Financial requests your most recent bank statement (dated within the past 30 days) so it can verify your income when you apply for a personal loan.
Is Reprise Financial legit?
Yes, Reprise Financial is legit. It has funded more than $2.2 billion in loans since 2012 and is licensed in the following states:
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Wisconsin
- Wyoming
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Popular Mentions
- 4,859,481 reviews on ConsumerAffairs are verified.
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- 4,859,481 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Updated review: March 26, 2026
Team reached out to resolve the issue.
Original Review: March 25, 2026
Avoid this company if at all possible. Very dishonest business practices. They will try to charge you additional fees without any legitimate explanation. And their customer service and communication is awful. There are much better lenders out there with better reputation and better rates. Do yourself a favor and avoid Reprise.
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Reviewed March 2, 2026
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.
Reviewed Dec. 14, 2025
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.).
Reviewed Dec. 10, 2025
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.
Reprise Financial Company Information
- Company Name:
- Reprise Financial
- Address:
- P.O. Box 9585
- City:
- Coppell
- State/Province:
- TX
- Postal Code:
- 75019
- Country:
- United States
- Website:
- www.reprisefinancial.com
