Personal Loans for Debt Consolidation

Save and simplify when you consolidate your debt.

Why debt consolidation makes sense

If you’re dealing with multiple debts, it may be time to consider consolidating your debt into one easy-to-manage monthly payment. Reprise Financial is here to help empower you with financial knowledge so that you can pay off your debt faster and save money along the way!

Before making the decision to consolidate, it’s important to understand what consolidating your debt means, what your options are and how you can qualify for them. When you’re ready to consolidate your debt, our team of experts have compiled this list to help you get started.

Why choose Reprise for your debt consolidation loan?

Reprise Financial can give you a fast and easy way to get the funds you
need to consolidate your debt.
Through Reprise, you can view your offers in seconds without affecting your
credit score.
Reprise has customized options to meet your needs and
payment preferences.
Funds are deposited into your checking or savings account as soon as the next business day after approval.¹
You can simplify your debt into one easy-to-manage monthly payment.

Get Started

Defining debt consolidation

Debt consolidation allows you to combine multiple debts into one payment by taking out a single loan to pay off several different loans.

Consolidating allows you to streamline your payment process while taking on better payment terms, such as a lower interest rate or lower monthly payment. You can use a debt consolidation loan to pay off auto loans, medical bills, and high-interest credit cards.

Now that you know more about what debt consolidation is, let’s dive into why choosing a debt consolidation loan through Reprise could be a great option for you!

Why choose Reprise for your debt consolidation loan?

Fast and Easy Funding: Reprise Financial can give you a fast and easy way to get the funds you need.
Check for Offers: View your offer in seconds without affecting your credit score.
Customized Options: Reprise has options to meet your needs and payment preferences.
Quick Fund Deposit: Funds are deposited into your account as soon as the next business day after approval.¹
Simplified Payments: You can simplify your debt into one easy-to-manage monthly payment.

Can you consolidate debt using a personal loan?

Yes, you can! Personal loans through Reprise are flexible and can be used to consolidate your debt into one simple monthly payment. With this financing option, you’ll receive the loan amount all at once, allowing you to quickly apply the funds to your existing debt.

Why are personal loans the best debt consolidation option?

Personal loans offer one of the quickest and most flexible ways to consolidate your debt. With online lenders such as Reprise Financial, you could have your funds as soon as the next business day after approval.¹ After your loan is funded, some lenders will pay off your existing creditors. This reduces the amount of work on your part to pay off outstanding account balances.

We are here to help you navigate this process with ease, offering customized options and simplified payments. By choosing Reprise, you can take control of your debt and move towards a more secure financial future. We are here to support you every step of the way!

Additional considerations

What credit score do I need?

Almost anyone can obtain a debt consolidation loan, but a higher credit score may help you secure lower rates and more flexible options. If you have a low credit score, make sure to check that the new loan option will help you save on your current debt.

Will debt consolidation loans impact my credit score?

Yes, the application process will often require a hard credit check, which will show up on your credit report. However, as you continue taking steps to pay off your debt, your credit score should improve over time.

What interest rate can you expect?

Interest rates can vary widely from different lenders. Reprise Financial rates range from 9.99% to 35.99% APR.¹

Why choose Reprise

When it comes to debt consolidation, there’s no one-size-fits-all loan and it’s easy to get overwhelmed by all the offers that are out there. With Reprise, you can expect a straightforward application process, quick access to funds, and exceptional customer service. Choose Reprise for a debt consolidation loan that fits your wallet and simplifies your financial journey.

Loan Offers in Seconds

View your offers in a few seconds without affecting your credit score.

Flexible Options

We have the customized options to meet your needs and your payment preferences.

Fast Access to Your Loan

Funds can be available in your checking or savings account the next business day after approval.¹

Have questions?

Get answers to your common questions

What credit score is needed for a debt consolidation loan?

Some lenders require a high credit score, but Reprise Financial looks at your credit history, ability to repay, and other factors. You are more than a number!

Can I get a debt consolidation loan with fair or bad credit?

Yes, you can get a debt consolidation loan with fair credit (580-670) or bad credit (300-579), though approval isn’t guaranteed. Reprise Financial considers more than just your credit score.

What is the difference between a personal loan and a debt consolidation loan?

A personal loan can be used for various purposes, including debt consolidation, while a debt consolidation loan is specifically designed to combine multiple debts into one payment.

What are the benefits of using a personal loan for debt consolidation?

Benefits of a personal loan through Reprise include reducing and simplifying your monthly payments, lowering interest rates, and paying off debt faster.

How do I choose the best debt consolidation loan?

To choose the best debt consolidation loan, compare interest rates, loan terms, fees, and customer reviews. Look for lenders offering competitive rates, such as Reprise Financial.

How long does it take to get approved for a debt consolidation loan?

Approval time can vary depending on the lender. At Reprise, we provide loan offers in seconds and funds as soon as tomorrow.¹

Apply today & have your money as soon as tomorrow.¹

Easy, online application
Fixed rates & clear terms
No pre-payment penalties
Fast & easy access to funds

Get Started

Real Reviews from Real Customers

I want to thank Carmen. She was very professional and demonstrated the highest traditions and standards of customer service. If you have all the documents needed for the loan it is quick and easy.

- Charley W.

Marialena is a superstar! Patient, courteous, thoughtful and understanding! She made my experience so much better! Thank you also to Fabian who treated me professionally in every way!

- Lawrence C.

Very smooth process! Was much easier than I ever expected. The representative that called was very professional, patient with my questions, and knowledgeable.

- Susan H.

Eyvette made the process seamless and easy. She went over the terms and allowed me to ask questions. I was happy that I was able to get the money I needed!

- Tina B.

Anthony was extremely helpful during the loan process. He went out his way several times to make sure things were okay. He explained everything so clearly and I greatly appreciate it.

- Latisha S.

The process was smooth and very easy to do. After seeing my approval odds, I applied, uploaded my documents and was approved for an unsecured loan. I can now consolidate all my loans and credit cards for one easy and affordable payment. The funds were deposited within 24 hours of getting approved.

- Vanessa B.

Experienced staff! Helpful, friendly, and knowledgeable! Fast process, definitely recommend!!!

- Kristie W.

From start to finish this was a great experience. The folks that helped me were Carlos, Mark, Sequoia and Robyn. Robyn brought everything together and got the loan processed. If I could give her 10 stars I would. Great experience from start to finish. Thanks everyone!

- Lamar B.

Sequoia demonstrated the utmost professionalism and courtesy. She was insightful and determined to get me the best rates she could. I would highly recommend her to anyone wanting to work with Reprise Financial.

- Andrew S.

I had the pleasure of working with team members Eric, Vianca, Marianela, & Stephanie. I was overwhelmed with how professional, helpful, patient, and just overall wonderful these team members were. They helped me get my correct information uploaded and worked with me on what was best for my unique situation.

- Jessica H.

I am impressed how everyone at Reprise handled my loan. They were very professional and knew every detail of my loan no matter who I spoke to, and they were very patient. Thank you guys for everything you have done.