Disclosures and Licensing

Reprise Financial branded credit products are originated by WebBank to applicants 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 Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin and Wyoming.

Reprise Financial provides access to unsecured and secured personal loans ranging from $2,500 to
$25,000. In some cases, the minimum loan amount may vary due to state requirements. Borrowers in
Georgia are subject to a minimum loan amount of $3,500.

Loan approval and final loan terms, including loan amounts, interest rates and annual percentage
rates (“APRs”), depend on the applicant’s ability to meet credit standards, including but not limited to,
credit history, income, debt payment obligations, and other factors such as the availability of
collateral. Not all applicants will qualify for the largest loan amounts, lowest rates, or most favorable
loan terms, which may require a first lien on a motor vehicle with acceptable value, titled in the
applicant’s name with valid insurance. Please note: Motorcycles cannot be used to secure a loan.
APRs are generally higher on loans not secured by a vehicle. Our closing process requires a
compatible mobile or computer device on which an applicant can access email and electronic
documents.

Language Services

Please note applications, agreements, disclosures, and other servicing communications provided by
Reprise Financial will be provided in English. As a result, it will be necessary for customers to speak,
read and understand English or to have an appropriate translator assisting them. Reprise Financial offers the following resources for customers:

  • Employees available who are both fluent in English and Spanish
  • Phone assistance in Spanish at 877-505-6780, option 9

Availability of Loan Funds

If your loan is funded by 3pm CT (not including weekends or holidays), you will receive your loan funds as soon as the next business day. Interest on your loan will begin to accrue the day after your loan funds are disbursed (not including weekends or holidays).

Important information about procedures for opening a new account:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

State Information:

  • Alabama

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the State of Alabama, State Banking Department, Consumer Credit License, License Number MC 22934

    • Alabama Consumer Credit License
  • Arizona

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by Arizona Department of Insurance and Financial Institutions, Collection Agency License, License Number 1047952, Collection Agency License – Other Trade Name #1, License Number 1049766, Consumer Lender License, License Number 102980
  • Arkansas

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Arkansas State Board of Collection Agencies, Collection Agency License, License #AC-6492
  • California

    • Skopos Financial, LLC d/b/a Reprise Financial. Loans made by Reprise Financial were made or arranged pursuant to Department of Financial Protection and Innovation

    • Licensed by the California Department of Financial Protection & Innovation; Finance Lender License (60DBO-145331X), Other Business Authority

    • California DFPI Financing Law License

  • Colorado

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Colorado Uniform Consumer Credit Code, Supervised Lender License, License Number SUP-4000778

    • Supervised Lender License

  • Delaware

    • Skopos Financial, LLC d/b/a Reprise Financial. Loans made by Reprise Financial were made pursuant to the Delaware Licensed Lenders Act.

    • Licensed by the Delaware Department of Finance, Division of Revenue, Active Business License, Collections Agency, License #2023706603

    • Schedule of Charges
  • Idaho

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Idaho Department of Finance, Consumer Finance Bureau, Regulated Lender License, License #RRL-10667
  • Illinois
  • Kansas

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Kansas Office of the State Bank Commissioner, Supervised Loan License, License Number SL.0026962, UCC Notification, Notification #NOT.0026205
  • Louisiana

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Louisiana Office of Financial Institutions Non-depository Division, Licensed Lender Main Office (In-State and Out-of-State with Lending Activity), License # 1660115, Collection Agency – Debt Collector Registration

    • Louisiana Licensed Lender

  • Minnesota

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the State of Minnesota Department of Commerce, Collection Agency License, License Number 40893672

    • MN Collection Agency License

  • Missouri

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Missouri Division of Finance, Small Loan License, License Number 367-24-8943

    • Schedule of Fees
  • Nebraska

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Nebraska Department of Banking and Finance, Installment Loan Company License
  • New Mexico

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Small Loan Company Lender, License # 02430

    • TO REPORT A PROBLEM OR COMPLAINT WITH REPRISE FINANCIAL, YOU MAY WRITE OR CALL: Erin Russ, Manager of Customer Advocacy; 8333 Ridgepoint Dr., Suite 150, Irving, TX 75063; 1-877-756-7640; [email protected]

    • Reprise Financial is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, PO. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website: NM Regulation & Licensing Department

    • New Mexico Small Loan License

    • New Mexico Consumer Brochure

  • North Carolina

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Commissioner of Insurance of the State North Carolina, Collection Agency Permit, Permit Number 521631783

    • North Carolina Collection Agency License
  • North Dakota

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the North Dakota Department of Financial Institutions, Collection Agency License, License Number CA104497, Money Broker License, License Number MB104247
  • Oklahoma

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Oklahoma Department of Consumer Credit, Supervised Lender License, License #SL009003, Supervised Lender License Other Trade Name, License # SL009004
  • Oregon

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Oregon Division of Financial Regulation, Consumer Finance License Number 1660115

    • Licensing Notice
  • Pennsylvania
  • South Carolina
  • Texas

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Texas Office of Consumer Credit Commissioner, Regulated Lender License, License #17027-63665
  • Virginia

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Virginia State Corporation Commission; License Number CF1-217.
  • Wisconsin

    • Skopos Financial, LLC d/b/a Reprise Financial

    • Licensed by the Wisconsin Department of Financial Institutions, Division of Banking, Loan Company License, License #3277-LC, Consumer Act Registration, Index #53325
  • Wyoming