A Few Simple Steps to the Funds you Want

Getting a personal loan should be simple

At Reprise, we’re here to make the application process quick, clear, and stress-free—whether you’re consolidating debt, covering an unexpected expense, or making a big purchase. This guide walks you through each step, so you know exactly what to expect.

1. Check your offers

This will not impact your credit score

We’ll show you a preview of your loan options based on the info you provide. These offers may adjust once we verify your income and other details.

2. Choose your loan

Pick the option that fits your needs. We offer:

Unsecured Loans – based on your income and credit history.

Secured Loans – also based on your income and credit history, as well as value of the collateral to secure the loan. This option uses either your vehicle or personal property in your home (such as cabinets, counters, light fixtures, water heaters and window coverings) as collateral, depending on the type of loan you select. Because it’s secured, it typically offers lower interest rates and higher loan amounts.

You may qualify for one or both. Not sure which is right for you? Just ask-we’re happy to help.

3. Gather and upload your documents

We want to make sure your identity is safe, and no one is using your information. To do this, we’ll ask for few documents:

Proof of Identity – like a driver’s license or passport

You’ll also take a selfie through our secure partner, Persona, to confirm it’s really you.

Proof of Address – (if your ID doesn’t match your application)

We may request a utility bill or bank statement.

In order to make sure your new loan is affordable and will help you build positive credit:

Proof of Income

We use this to ensure your loan is affordable. You can link your bank account securely through our trusted partner, Plaid, or manually upload a recent bank statement from the past 30 days. In some cases, we may ask you to provide additional bank statements.

For loans using a vehicle as collateral:

Vehicle Documents*

We’ll need current photos of your car (front and rear with license plate), odometer, registration, and proof of insurance. Your car must be under 20 years old and not used for commercial purposes. Motorcycles cannot be used as collateral.

*In some states , we may request your physical vehicle title and a signed Power of Attorney to finalize the loan.

4. Review and sign

Once we’ve verified everything, we’ll contact you to sign your loan agreement. You can sign electronically via email or on our website.

5. Get your cash

After signing, your money will be on its way!

Depending on your loan terms, the full amount may be sent directly to you, or a portion may go toward paying off a third party.

Direct to You: Funds are sent to your bank account via ACH, usually within 24–48 business hours. (excluding weekends and holidays).¹Timing may also vary based on your bank’s policies.

Third-Party Payments: If part of your loan is being used to pay off a third-party lienholder (such as for a vehicle), the payment will be sent via overnight mail. If the payoff is going to a third-party creditor who is not a lienholder (such as credit cards), it will be sent via regular mail, which may take up to 15 business days to arrive.

To avoid any late fees or disruptions, please continue making payments to your creditors until the payoff has been received and processed.

Need Help?

We’re here for you. Call us at 877-505-6780 if you have any questions along the way.