Reprise

NMLS #1610752
NMLS #1717824
Reprise Financial offers personal installment loans, aiming to provide accessible credit solutions for various financial needs.
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Disclosure
Reprise Financial branded credit products are originated by WebBank in select states. To qualify for this offer you must apply and continue to meet the criteria used to select you for this offer. Your loan terms and loan approval depend on your credit history, proof of sufficient income to pay your bills (including this loan), banking history, and, for certain applicants, your ability to provide sufficient collateral. The loan offer amount is inclusive of the amount financed and any applicable fees. Loan fees (including origination fees) differ by state. Loans terms typically range from 36 to 60 months with Annual Percentage Rates (APRs) between 9.99% to 36.00%. The minimum loan amount in GA is $3,500. In all other states, the minimum loan amount is $2,500. Loan proceeds may not be used to finance gambling, illegal activity, commercial activity, or post-secondary educational expenses as defined by Regulation Z. If your loan is funded by 3pm CST (not including weekends or holidays) you will receive your funds the next business day. Interest on your loan will begin to accrue the first business day after your loan funds. Both unsecured and loans secured by your vehicle are provided. Not all applicants will qualify for unsecured loans. Loans secured by an automobile may not be available to borrowers covered by the Military Lending Act. If you apply for a loan, Reprise Financial will contact you on the phone number provided to discuss the application and your submission of an application affirms your consent to be contacted by Reprise Financial, including through an automated telephone dialing system.Example Loan: A $9,000 personal loan with a 25% APR that is repayable in 48 monthly installments would have monthly payments of $298.73.
Pros
Auto loan refinancing
Competitive rates
Streamlined process
Cons
Specific to auto loans
Eligibility requirements
Customer service can be slow

Snapshot

Year Founded
2021
Address
8333 Ridgepoint Drive, Suite 150, Irving, Tx 75063
Estimated # of Employees
50-100
Composite Score
9.36
Trustpilot Reviews
4.7
(
16,539
Reviews)
BBB Reviews
A-
(
663
Reviews)

Overview

Reprise Financial is a specialized online platform dedicated entirely to auto loan refinancing. Its core mission is to significantly help vehicle owners save money on their car payments by providing an exceptionally streamlined and highly efficient way to refinance their existing auto loans, connecting them with a network of competitive rates. Reprise aims to demystify and simplify the often-complex process of auto refinancing, striving to make it remarkably accessible and transparent for consumers. The platform's goal is to enable users to effectively reduce their monthly expenses or conveniently adjust their loan terms to better align with their current financial situation, offering a focused solution for improving vehicle finances.

Customer Views

What They Like

Customers generally praise Reprise for its sharp focus on auto loan refinancing, which allows it to offer specialized expertise and potentially more competitive rates within this specific niche. The online process is consistently highlighted as being remarkably streamlined and easy to navigate, significantly simplifying the application and approval stages. Reprise distinguishes itself by providing a dedicated service for a common financial need, with the explicit aim of delivering tangible savings to its customers, which is a direct and impactful benefit for vehicle owners.

What They Dislike

However, a primary limitation noted by some customers is that Reprise's services are exclusively tailored to auto loans, meaning it does not offer other types of personal or business financing, which might necessitate seeking other providers for diversified financial needs. Eligibility requirements, including specific credit score thresholds and restrictions on vehicle age or mileage, can be stringent, potentially excluding a segment of the market. Furthermore, some online feedback indicates that customer service responsiveness can occasionally be slow or inconsistent, which can be a point of frustration for users seeking timely assistance during the refinancing process.

FAQs

Are loan offers ranked or biased in any way?

Score Credit is a free service for consumers. We partner with a network of vetted lenders and may receive compensation when a user checks their rate or takes out a loan through one of our partners. This helps us keep the platform free to use and maintain a high-quality experience. Our compensation has no impact on how your loan options are presented — you’ll always see real, personalized offers based on your credit profile and financial needs.

Does Score Credit receive compensation from lenders?

Score Credit is a free service for consumers. We partner with a network of vetted lenders and may receive compensation when a user checks their rate or takes out a loan through one of our partners. This helps us keep the platform free to use and maintain a high-quality experience. Our compensation has no impact on how your loan options are presented — you’ll always see real, personalized offers based on your credit profile and financial needs.

Reprise

's customers are saying...

Point was great!!!! They gave me money from my home equity when no one else would. I did not qualify for refi or reverse mortgage. They were fast and the customer service was great. I recommend them, highly.
Terri C.
I think is a better alternative to refinance similar in my opinion to a reverse mortgage. your immediate cash flow is not impacted if what you are trying to do is control your cashflow by eliminating smaller loans that do impact your current cashflow.
Jose Castillo
This HEI was a perfect fit for me. Retired and on a fixed income, I found I was paying interest on home equity loans each month. I never seemed to be able to reduce those loans, which meant I was cash-poor each and every month. I was able to pay off all those loans, leaving me with some cash each month. The payoff will happen when I sell my home in the future.
Bruce M.
The Point process was a lifesaver for me. It allowed me to get completely out of a lot of debt and to make the changes I wanted to make in my house to enjoy my old age. The application process was very easy - just get in what they ask you for as timely as possible. Crystal and John were two of the nicest people you could ever hope to meet. They both got things done as fast as possible - we closed in a month. I see this, especially for elderly people who don't have a lot of equity in their home and can't do a reverse mortgage, as another good option.
Bonnie C.