Is Reprise Financial Personal Loans the right fit for you?
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -60
Strongly not recommended5 total votes
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Highlights
Community Rating
Strongly not recommended
APR (Fixed APR)
9.99% - 36%(Verified 12/26/2024)
Amount Range
$2,500 - $25,000
Loan Term (Months)
36 - 60
Number of Reviews
Reprise Financial Personal Loans Review
Reprise Financial Personal Loans is offered by Reprise Financial, a nonbank financial services provider founded in 2012 and based in Irving, TX. Reprise Financial Personal Loans are available in 36 states.
Key Takeaways
- APRs starting at 9.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Reprise Financial Personal Loans are on the lower end of the spectrum.
- Prequalified rate. You can check your prequalified rate at Reprise Financial with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of up to 6%. This is on the high end for lenders on SuperMoney's database. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.
Reprise Financial Personal Loans Pros & Cons
| Pros | Cons |
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Reprise Financial Personal Loans FAQ
What interest rates and personal loan terms does Reprise Financial Personal Loans offer?
What interest rates does Reprise Financial Personal Loans offer?
Reprise Financial Personal Loans offers a fixed APR personal loan product that ranges from 9.99% APR up to 36% APR.
How much can you borrow via Reprise Financial Personal Loans?
Personal loan amounts start at $2,500 and go up to $25,000
What is the maximum loan term you can get with Reprise Financial Personal Loans?
Reprise Financial Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $2500 - $25000 |
| Loan Term | 36 - 60 months |
| APR | 9.99% - 36% |
What fees does Reprise Financial Personal Loans charge?
Does Reprise Financial Personal Loans charge an origination fee?
Reprise Financial Personal Loans may charge a personal loan origination fee of up to 6% of the personal loan amount .
Does Reprise Financial Personal Loans charge a late fee?
Reprise Financial Personal Loans does not disclose whether it charges late payment fees.
Does Reprise Financial Personal Loans charge prepayment fees?
No, Reprise Financial Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | up to 6% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Reprise Financial Personal Loans?
Applicants with a credit score that ranges above 600 VantageScore may be eligible for Reprise Financial Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Reprise Financial Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Reprise Financial Personal Loans. Not all companies will work with visa holders. Reprise Financial does offer its services to temporary resident visa holders such as F1 or H1B holders. An uncommon feature is for lenders to offer their services to non-residents. Reprise Financial is one of the few that does.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of insurance
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- U.S. tax identification number
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | Starting at 600 VantageScore |
Does Reprise Financial Personal Loans report your account activity to credit bureaus?
Yes, Reprise Financial Personal Loans reports to the following credit bureau:
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Reprise Financial perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Reprise Financial Personal Loans allows you to check your rates with a soft credit pull.
Are Reprise Financial Personal Loans legit?
reprise financial was founded in 2012, it is a well-established company that has been in business for 14 years. Reprise Financial Personal Loans is strongly not recommended by SuperMoney community users.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
Sunday9:00AM - 1:00PMMonday8:00AM - 10:00PMTuesday8:00AM - 10:00PMWednesday8:00AM - 10:00PMThursday8:00AM - 10:00PMFriday8:00AM - 10:00PMSaturday8:00AM - 6:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -60, or 1.8 on a 5-point rating scale.
-60
-1000+100
No one recommends
Everyone recommends
Reprise Financial Personal Loans Community Reviews
Would you recommend Reprise Financial Personal Loans to your friends?
AL
Angel l R.
Jan 22, 2025
May or may not recommend
Stacey Dorsey is the best. She has a 10 on our behalf. She was very empathetic with us. Took us by the hand thru the whole process. Angel L Rodriguez and Liz Capo
RB
Rozan B.
Nov 28, 2023
May or may not recommend
Seems unethical that a company would deny an account holder access to his/her account once the account is paid. It is very difficult to obtain information necessary to proceed with other obligations when the company refuses to grant access, and blatantly denies access one's pertinent information.
Reprise was chosen to handle my financial situation, and has since lost all trust and credibility since they refuse to allow me access ...Show More
BD
Benson D.
Nov 21, 2023
May or may not recommend
They sent me a letter offer with a preapproved amount. I filled out the application and get approved, then they backtracked on their words. They keep asking me for additional income; I only have one job. If they know they would need that, why did they approved before?From what I heard from some reviewers, they can sell my informations. I already sent my photo ID and tax documents. I'm very ...Show More
WR
William R.
Jun 20, 2023
May or may not recommend
This is the worst company I have ever dealt with in my 63 years of existence. They had me jump through a billion hoops, and after I did all of that, they had me fill out some paperwork and send my title to them. Title to My truck! Upon doing this, They'd given me the wrong address to send my title to and they lost my title. I ...Show More
JR
Jessica R.
Jun 1, 2023
May or may not recommend
I was recently approved for a loan. However, your employees told me that my military ID is not a valid ID and that they could not accept driver's license that had a military extension that is valid until Feb 2024. Can you please explain why military members are being treated this way? Also, I requested an unsecured loan so collateral wasn't needed. I would like Respise to explain this. ...Show More
Showing 5 of 5 reviews
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