Credit Card Refinancing

What would you do if you didn’t have credit card debt?

Personal loan for credit card debt

Life is full of surprises, from exciting travel plans and special celebrations to important purchases and occasional unexpected expenses, like medical bills or auto repairs. While credit cards may be convenient, they can quickly become overwhelming. At Reprise, we’re here to give you simple, useful tips—so you can take control of your financial future with confidence.

Tips for paying off credit card debt

Smallest to largest: Pay off the smallest bill first, then move to larger ones.
Highest interest first: Tackle the highest-interest loan first.
Stay above minimum payments: Pay more than the minimum whenever possible.
Debt consolidation: Consider consolidating your credit card debt with a personal loan. This is where a personal loan through Reprise can help!

Consolidating your credit card debt with a personal loan is one of the most effective ways to quickly reduce your outstanding balance, so let’s learn more about how this process works.

A personal loan can help streamline your monthly payments and provide a firm end date to your debt. It allows you to pay off your credit card debt with one easy monthly payment. Small steps is all it takes to avoid accumulating more credit card debt after paying off your balances. Check out our Rainy Day Fund blog to learn simple ways to save up your emergency funds.

Interest rates and qualifications for personal loans

Interest Rates: Rates depend on factors like credit history, loan type, and amount. Reprise Financial can offer rates as low as 9.99% APR.¹
Credit Score: There’s no single score needed to qualify. At Reprise, we look at your overall application to find the best product for you, because we know that you are more than just a credit score!
Application Process: With most lenders, you will likely need documents such as proof of income income, financial history, and bank statements.

What can I expect when applying for a personal loan through Reprise?

At Reprise Financial, our simple online application will walk you through each step of the process. The documents you may have to provide include verification of your income, identity, and personal information, such as your address and social security number. Apply today, and you could have the funds you need as soon as tomorrow to pay off your credit card debt with one monthly payment.¹

Five reasons to use a personal loan through Reprise

Single payment: Consolidate your debt into one easy monthly payment.
Fixed rates: Enjoy fixed rates with no-prepayment penalties.
End-date to your debt: Have a clear end-date to your debt.
Peace of mind: Quick and simple way to pay off your debt.
Improve your credit score: Paying off credit cards can improve your credit score by lowering credit utilization rate.

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.

- Larry S.

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Reprise Resources

Check out our Resources page for up-to-date financial tips and information.

Improving Your Credit Score

Five simple steps to improve your credit score no matter where it falls on the credit report.

Personal Loan vs. Credit Card

Learn the different benefits between credit cards versus installment/personal loans.

Retirement Savings

The answers to the most frequently asked retirement savings questions.

When you are ready to take control of your finances, there’s Reprise.

Through Reprise Financial, getting back your financial freedom is as easy as 1-2-3.

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Get your funds

as early as tomorrow¹

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Life happens. Reprise is here to help.

Whether you’re consolidating credit card debt, planning a big trip, facing unexpected medical expenses, financing a move, or preparing for a special occasion like a wedding or honeymoon, we’ve got you covered. Click below to start your application and take the first step towards financial peace of mind.

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