My AccountHave questions?
We have answers.
Below you will find some of the most frequently asked questions from our customers. If you cannot find the answer to your question, please feel free to email Customer Support at [email protected] or call us toll-free at 1-877-505-6780.
We can update your account, provide payoff information, payment history and due dates, as well as take payments by phone. Be sure to have your account number or Social Security number ready.
What is a personal loan?
A personal loan is money borrowed from a lender that is paid back in fixed monthly payments or installments with interest added.
What type of loans does Reprise Financial offer?
Reprise offers access to both secured and unsecured loans ranging from $2,500 to $25,000. Some personal loans are unsecured, meaning they’re not backed by any collateral; however, secured loans are backed by an asset like your car.
Do I have to have an invitation code to apply for a Reprise loan?
Historically, Reprise has only offered access to loans by invitation to prequalified, select consumers; however, we are excited to announce that we are expanding our application process to consumers in certain markets without an invitation code. Please check back often to see if we have expanded into your market.
How much can I borrow?
Loans through Reprise range from $2,500 to $25,000 (inclusive of fees). The exact amount you may qualify for depends on your application information. Please note, the minimum loan amount for residents of Georgia is $3,500.The minimum loan amount for residents of NM is $10,500.
How long will it take to get my money?
If you accept the terms of your loan before 3pm CST Monday-Friday, you will receive your funds as soon as the next business day. If the terms are accepted after 3pm CST Monday-Friday, you will receive the funds on the following business day.
What are interest rates?
Individual interest rates are the cost of borrowing the loan and are based on various factors including an applicant’s credit history. The total cost can be understood by looking at the annual percentage rate or APR which is the annual cost of a loan including both the interest rate and all other associated fees. All loans through Reprise offer a fixed interest rate and clear terms.
Will checking offers affect my credit score?
Checking your rate on RepriseFinancial.com will not affect your credit score. When you check your rate, we make a “soft credit inquiry.” Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made. However, if you proceed with the application, we will then make a “hard credit inquiry” to verify the accuracy of your application. This action will be recorded as an inquiry on your report and it may impact your credit score.
What do I need to provide with my loan application?
When you apply for a loan through Reprise, we will, at a minimum, request documentation to verify the following:
- Identity, including a copy of your driver’s license, state identification card, or passport. If the address on your identity document is outdated, we will also request copies of recent utility bills or bank statements for proof of residency.
- During income verification, all pages of your most recent bank statement dated within 30 days of your application are requested. Alternate income documents may be required.
- If you are eligible for a loan secured by the title of your vehicle, we require proof of insurance and photos of the front and back of the vehicle.
Reprise may also request additional documents to verify the information provided in your application.
Does Reprise have loan eligibility criteria?
In addition to meeting the underwriting guidelines, you must meet the following eligibility criteria:
- You are a United States citizen or resident with an address in the United States.
- You reside in an eligible state.
- You are at least the age of majority in your state.
- You have not obtained more than 2 loans through Reprise in the last 12 months.
- You are employed and/or have sufficient income from other sources. Note that Reprise does not currently accept self-employed income, including sole proprietorships, as a primary source of income. Reprise will accept self-employed income as a secondary source of income.
Do you accept self-employed income?
Reprise does not currently accept self-employed income, including sole proprietorships, as a primary source of income. Reprise will accept self-employed income as a secondary source of income.
Does Reprise allow the use of a Power of Attorney to complete a loan application?
Reprise will accept a Power of Attorney (POA) provided in person for validation. Please contact us at 877-505-6780 for additional information.
How do I login? Here are the steps
1. Confirm you’re on the www.RepriseFinancial.com website.
2. Click “Finish the application I started”.
3. If you know your login information, please enter it. However, if you have forgotten your password, please click “Forgot password”, or if this is the first time you are logging in, click on “First Time User”.
4. Still not working? Give us a call at 877-505-6780 and or schedule a call back.
Loan Management
What forms of payment does Reprise accept?
Reprise accepts the following payment methods:
- Online payments (one-time debit card and ACH payments only)
- Automatic electronic draft (also called Auto-Pay)
- Checks
- Pay by phone with checking account, savings account or debit card
- Cash through MoneyGram
Can I make my payment online?
You can make one-time payments by logging into our website on the MY ACCOUNT page. Please call us 1-877-505-6780 to sign up for Auto-Pay or to make changes to your existing Auto-Pay enrollment. Our Customer Support Team is available Monday through Friday from 8AM-7PM CST and on Saturdays for 9AM-1PM CST.
Does Reprise accept payments by phone?
We accept payments from personal checking accounts, savings accounts and debit cards via phone. We do not accept credit cards. Call us toll-free at 1-877-505-6780, and have your card information or bank account routing and check numbers available when you call. Please note that we will assess a processing fee of $5.50 per payment for this service. Payments made via phone generally post to your account within one day.
Can I make a partial prepayment on my loan?
Yes, there are no prepayment penalties for loans through Reprise. If you pay an amount that is more than the monthly amount due, this additional amount will be applied to your account to reduce the outstanding balance that you owe.
Can I manage my account online?
Yes, you can access your Reprise Financial account by registering and logging in to MY ACCOUNT.
Are there any limits on how much I can pay at one time?
Currently, Reprise accepts online one-time payments of $2,000 or less. Reprise will accept ACH one-time payments of up to $10,000 via phone. Please call us toll-free at 1-877-505-6780 to make a payment of up to $10,000.
Concerns
Is the Reprise Financial website secure?
Reprise takes your privacy and the security of your information seriously. We use industry-standard safeguards, including Transport Security Layer (TSL) 1.2 and 1.3, to encrypt and protect your personal information. Please see our Privacy Policy for additional details on how Reprise manages personal information.
Does Reprise report information to national credit reporting agencies?
Yes, Reprise Financial reports to all three national credit reporting agencies (Experian, Equifax, and TransUnion). This can help build your credit when you show responsible repayment on our loans.
What should I do if I think the information Reprise is reporting on my credit report isn’t accurate?
You can file a credit bureau dispute if you feel the information reported by Reprise on your credit report is incorrect. Credit bureau disputes can be submitted in writing to Reprise at the following address:
Reprise Financial
P.O. Box 143514
Irving, TX 75014
Your dispute must identify your account relationship with Reprise, the information Reprise is reporting to the national credit reporting agencies, and why you are disputing the information. Depending on the nature of your request, you may also wish to provide additional documentation to support your dispute (such as account statements, a copy of a police report, affidavit of ID theft, etc.).
