Personal Loans

Reprise Financial Personal Loan Review 2023

Reprise Financial offers personal loans for a variety of needs. Compare rates and loans amounts, and find the lowest fees.
Written by:
Rebecca Lake
Edited by:
Kristin Marino verified
Editor's Rating

Reprise Financial offers smaller personal loans ranging from $2,500 to $25,000. Reprise personal loans can be used to consolidate debt, pay medical bills or cover unexpected expenses.

Learn how personal loans from Reprise Financial work, including how to qualify and what you’ll need to apply.

Reprise Financial at a Glance

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The Bottom Line

Reprise Financial offers smaller personal loans for people who need funding quickly and conveniently.

You might consider getting a personal loan here if you have an emergency expense or a planned expense to cover and you want a fast and simple approval process.

Stop Juggling Credit Card Payments

Consolidating credit card debt with a personal loan could make it easier to pay your bills and stick to your budget.

Compare to Others

If you’re shopping around for the best personal loan options it’s possible that you may come across a lender that’s a better fit than Reprise Financial. To save you some time, we’ve compared three other personal loans for you.


Avant offers personal loans ranging from $2,000 to $35,000, which means you can borrow a little more than you might be able to with Reprise. Loan terms range from 24 to 60 months and you can set up automatic payments so you never miss a due date.

In terms of how you can use Avant loans, they’re similar to Reprise personal loans. You can borrow to consolidate debts, fund large expenses or cover emergencies. Both Avant and Reprise offer same-day approval with next-day funding for personal loans.


Achieve offers personal loans and home equity loans to eligible borrowers, with no prepayment penalties. There is, however, an origination fee which you may also pay with a Reprise personal loan.

One of the biggest differences between Achieve and Reprise is how much you can borrow. Achieve allows you to get a personal loan of up to $50,000, with loan repayment terms ranging from two to five years.


SoFi is a fintech company that offers personal loans as well as student loans, banking services and investment services. You can borrow up to $100,000 with a SoFi personal loan, with a minimum loan of $5,000.

You might consider SoFi if you’re looking to borrow a larger amount. However, you’ll need a good credit score to get approved and secure the lowest personal loan rates.

Find the Lender With the Best Rates and Terms for You

Finding the lender with the best personal loan or debt consolidation loan to meet your needs is as simple as using our search tool. Try it now and find your loan. Compare rates, terms, and fees.

Who Is a Reprise Financial Personal Loan For?

Reprise personal loans could be a good fit for people who need to borrow between $2,500 and $25,000 and are employed with sufficient income. Note that you can’t apply for a loan here if your only income comes from self-employment. Reprise offers both unsecured loans and a secured loan option if you own a vehicle that you’d like to use as collateral.

Top Features of Reprise Financial Personal Loans

Reviewing the features of a personal loan can help you decide if a particular lender is right for you. Here’s a closer look at some of the main advantages of borrowing with Reprise Financial.

Smaller Loans

Reprise offers loans ranging from $2,500 to $25,000. That might be ideal if you only need a smaller amount of money and you want to avoid taking on a significant amount of debt.

Secured and Unsecured Loans

Reprise loans can be secured or unsecured. An unsecured loan doesn’t require collateral, while a secured loan does. If you own a vehicle, you could use it to secure a loan with Reprise.


If you’re interested in getting a Reprise personal loan, you can get pre-approved online in minutes. Checking offers for loans with Reprise doesn’t hurt your credit score. That allows you to see what kind of rates and loan terms you might be eligible for without a hard credit check.

Flexible Uses

It’s possible to use a Reprise personal loan to meet a wide range of financial needs. For example, you might get a loan to make repairs if your car breaks down or cover an emergency vet bill when your dog gets sick. You can also use Reprise loans for planned expenses, like a vacation or wedding, or consolidate high-interest rate debts.

Quick Funding

Reprise aims to approve borrowers as quickly as possible and it’s possible to get a decision the same-day. Once approved, Reprise can deliver loan funds to you the same day or the next business day, which is a plus if you need cash quickly.

Personal Loans for Major Purchases

Use a personal loan to pay for major purchases and avoid maxing out your credit cards.

How to Get Started

If you’re interested in a personal loan from Reprise Financial, you can start by getting pre-approved and checking offers. Again, this won’t affect your credit score.

Should you decide to submit a full application for a personal loan, you can do that online as well. You’ll need to give Reprise a few key pieces of information, including:

  • Your name
  • Date of birth
  • Social Security number
  • Address and phone number
  • Email address

You’ll also need to tell Reprise how much you want to borrow and what you plan to use the loan for. Reprise doesn’t disclose minimum credit score or income requirements on its website. However, the company does specify that you must have proof of income to apply.

Reprise will not accept self-employment income by itself if you want to apply for a loan. You can, however, use self-employment income as a secondary income source if you can also show proof of income from a job.

Once you submit your application, Reprise Financial will review it and follow up if necessary to request additional information or documentation. If approved, you’ll need to give Reprise your bank account number and routing number so that funds can be deposited.

Rating the Features of Reprise Financial

Is Reprise Financial a good option for personal loans? Rating the features can help you to decide.

User Experience

Checking quotes and applying for a personal loan with Reprise Financial is relatively easy. You can complete the entire process online and it takes just a few minutes. If there is one potential snag to point out, it’s that rates and fees are not readily disclosed. So, you won’t know exactly what you’ll pay for a loan until you’re approved.


Reprise Financial does not list loan fees on its website. Again, you’ll need to submit an application to learn what fees you might pay, including origination fees and prepayment penalties.


Personal loans from Reprise have fixed rates, which allows for predictability when budgeting monthly payments. However, the company does not disclose or publish rates on its website. You’ll need to check offers first to get an idea of what type of rates you might qualify for and rates are only finalized once your loan is approved.


While some lenders offer multiple loan options or banking services in one place, Reprise Financial is more niched. You can choose from unsecured loans or personal loans secured by a vehicle, but those are your only options.

Customer Support

Customer service is available by phone or email. There is no live chat support at this time. If you’d like to call Reprise, you can do so at 877-505-6789 from 8 am to 7 pm CST Monday through Friday and 9 am to 1 pm CST on Saturdays.


Reprise Financial offers account access online. You can log in to your account to review your loan details or schedule payments. There is no mobile app access for these loans.

Pros and Cons of the Reprise Financial Personal Loan

Frequently Asked Questions

What’s the difference between a secured and unsecured loan?

Secured loans require collateral to borrow. For example, you might use your car to get a secured loan or offer the bank a CD account you own as collateral. Assuming you repay the loan in full, your collateral is returned to you. Unsecured loans don’t have this requirement.

What can you use a personal loan for?

Personal loans offer flexibility since you can use them for just about anything. Some of the most common uses for personal loans include credit card refinancing, debt consolidation, medical bills, wedding expenses and financial emergencies.

I wasn’t approved for a personal loan. Now what?

If you aren’t approved for the loan, the lender will send you a letter detailing why. You can use that information to reevaluate your options if you still need to borrow. For example, you might apply for a secured credit card instead. You can also take steps to improve your credit score to make it easier to qualify for loan, including paying bills on time and reducing credit card balances.