Reprise Financial Review

Reprise Financial Review: Legit or Scam? Know the Truth

Reprise Financial is a financial services company that operates as Skopos Financial, LLC, and provides customers with personal loans. These loans can be used for various purposes, including buying appliances, covering medical bills, funding auto repairs, etc.

The company strives to provide a simple and reliable way for customers to take control of their finances and get the funds they need. Their loan amounts range from 2,500 to 25,000, offering flexibility based on individual needs and repayment ability.

At Reprise Financial, they place a strong focus on customer service and personalization. Their loan offers are determined based on a customer’s credit, banking history, verified income, and other specific information provided during the application process. This ensures that each loan is custom-tailored to meet the customer’s needs and payment abilities.

However, the company has received mixed customer feedback, with some highly recommending their services and others expressing dissatisfaction. In this comprehensive review, we delve deeper into understanding the workings of Reprise Financial, its commitment to customer service, success rate, pros, cons, and alternatives.

Stay tuned for an in-depth breakdown of what you need about Reprise Financial.

Who are Reprise Financial?

Reprise Financial is an online consumer lending platform based in Coppell, Texas. The company (Skopos Financial LLC) was founded in 2012 and has since grown into a reliable source of personal loans. To date, they have funded over $1.4 billion in loans.

They are committed to providing a simple and reliable way for their customers to manage their finances. Their services cater to a variety of needs, including:

  • Debt Consolidation: Helping customers manage their debts more effectively.
  • Unexpected Expenses: Funds for unexpected situations like medical emergencies or car repairs.
  • Appliance Financing: Assisting customers in purchasing needed appliances.
  • Medical Bills: Offering financial solutions for health-related costs.

Reprise Financial is constantly striving to improve its services and meet the unique needs of its customers with customized loan options. They have also demonstrated a commitment to customer service, promptly responding to inquiries and resolving issues.

While they have significantly impacted the online lending industry, it’s important to carefully research and consider your options before choosing a personal loan solution. As with any financial decision, it’s critical to understand the terms and conditions of the loan, the interest rate, and the repayment terms.


Reprise Financial is headquartered in Coppell, Texas. Its operations and services are managed from this location. You may contact them through their official website for more detailed information about their location or to make an appointment.


Reprise Financial is a premier online consumer lending platform. They offer a variety of services to their customers. Here’s a summary of their main services:

  1. Personal Loans: Reprise Financial offers personal loans for diverse needs. Some of the common uses of their loans include:
    • Appliances
    • Medical bills
    • Auto repairs
  2. Fast and Easy Access to Funds: With Reprise Financial, you can get the funds you need swiftly and conveniently.
  3. No Impact on Credit Score: One of the distinguishing features of Reprise Financial is that you can view loan offers in seconds without impacting your credit score.
Boost Your Credit Score - Easy Steps to Follow for Financial Freedom

You can contact them via their contact information, available here for any inquiries or further information.

Secretary of State Information

According to the Texas Secretary of State’s websiteReprise Financial is registered under Skopos Financial LLC.

Reprise Financial - Secretary of State infromation

Their Disclosure and Licensing page states that Reprise Financial is licensed and operates in multiple states.

Licenses and Accreditations

Reprise Financial has been licensed and accredited by several authorities:

These licenses and accreditations assure the legitimacy and credibility of Reprise Financial.

Offer Mail Example

Unfortunately, a specific example of an offer mail from Reprise Financial is not publicly available. However, it should be noted that Reprise Financial sends their customers promotional and loan offers. This could include new loan opportunities, loan term details, interest rates, etc. It’s also reasonable to expect that they are sending emails regarding their products or services and possibly third-party promotions.

Remember, as a potential client or a current one, it’s essential to fully read and understand the terms mentioned in an offer mail before taking action. If you need any clarifications, contact their customer service for detailed explanations.

For more detailed information about their services, check their official website.

Official Website

The official website of Reprise Financial is The website provides comprehensive information about their financial products, specifically personal loans.

Reprise Financial - Official website

Features of the website:

  • User-Friendly Design: The website has a clean and straightforward design, making it easy for visitors to navigate and find the information they need.
  • Loan Application: The site provides an easy-to-use platform for personal loan applications.
  • Account Management: There’s an option for customers to log in, indicating features for account management.
  • Transparency: The company shows transparency by providing a section for disclosures and licensing.
  • Contact Information: Contact information for Reprise Financial is readily available, with their business hours listed for convenience.

Commitment to Customer Service and Success

Reprise Financial demonstrates a strong commitment to customer service and success. The company offers support to its customers mainly through phone and email, with no live chat support. Most customers have reported positive experiences with the company’s customer service, praising the ease of the process and the professional and courteous representatives.

Reprise Financial’s commitment to customer service is further evidenced by its 4.6-star rating on Trustpilot, based on thousands of customers’ reviews.

However, there are areas where the company could potentially improve. Some customers have complained about high-interest rates, and a few have given the company a low rating.

Reprise Financial is also BBB-accredited and has proactively addressed customer complaints and issues.

Despite the mixed reviews, many customers have found value in the services provided by Reprise Financial, appreciating the company’s simple and reliable approach to managing finances and providing personal loans.

Although there’s room for improvement, it seems that Reprise Financial is committed to providing quality customer service and helping its customers succeed financially.

Please note that information is subject to change, and it’s always a good idea to double-check and conduct further research when considering financial services.

LinkedIn Profile

Reprise Financial maintains an active presence on LinkedIn, where it communicates its mission of providing a simple, reliable way to manage finances and secure the funds customers need. Currently, the company has a following of over 815 professionals on this platform.

Reprise Financial - LinkedIn profile

Reprise Financial uses its LinkedIn profile to network and connect with professionals and showcase its services, including providing personal loans for various purposes. The company’s LinkedIn profile is an excellent resource for anyone wishing to understand more about its operations and its commitment to its customers.

Better Business Bureau (BBB) Rating

Reprise Financial has been accredited by the Better Business Bureau since 7/25/2022 and holds an A rating and a 3.86 out of 5 customer review rating.

Reprise Financial - BBB rating

Regarding customer feedback, as of the time of writing, Reprise Financial has an average of 88 customer reviews and has received 27 complaints through the BBB.

The company seems responsive regarding customer service, responding to 97% of negative reviews.

However, it is worth noting that while some customers have had positive experiences with the company, there are several complaints, indicating that potential customers should carefully consider these reviews before making a decision.

For more detailed customer experiences and feedback, visiting the company’s BBB page is recommended.

Trustpilot Rating

Reprise Financial has an overall rating of 4.6 stars, based on the reviews from Trustpilot.

Reprise Financial - Trustpilot rating

This rating reflects the experiences of a broad spectrum of customers who dealt with Reprise Financial’s services.

Here are a few key points:

  • Reprise Financial is rated the 8th best company in the Car Finance and Loan Company category on Trustpilot.
  • Over 3400 customers have shared their experiences on Trustpilot so far.

It’s important to note that customer feedback can vary based on individual experiences. Therefore, we encourage you to read multiple reviews to get a comprehensive understanding of what to expect.

Please note that this information is up-to-date as of the time of writing.

Google Reviews Rating

At Google Reviews, Reprise Financial maintains a 4.4 out of 5 customer rating based on more than 1,000 reviews.

Reprise Financial - Google Reviews rating

Best Company Rating

Unfortunately, there isn’t any available information about Reprise Financial’s rating and customer feedback on Best Company. For a comprehensive understanding of their service, consider looking at other sections of this article or checking out other review platforms.

Success Rate

There is not enough public information available to accurately measure the success rate of Reprise Financial. As a potential customer, it’s always important to seek out this kind of information from the company directly.

Reprise Financial Pros and Cons

After extensive research, we have gathered some pros and cons about Reprise Financial. Here’s our breakdown:


  1. Quick Process: Customers have reported that the loan process from start to finish takes only three business days. It means they are efficient and value the client’s time.
  2. No Early Payoff Penalty: Another pro of Reprise Financial is that there is no penalty for paying off your loan early. This does provide some relief if you plan on paying the loan off before the end period.
  3. Personable and Professional Staff: Clients have reported their staff as personable and professional, making the overall process smoother.


  1. High-Interest Rates: Some customers report that interest rates are always too high. This could be a drawback if you are looking to save on interest.
  2. Origination Fee: Reprise Financial charges an origination fee for personal loans. This could increase the overall cost of borrowing.
  3. No Pre-Approval with Soft Credit Pull: Unlike some lenders, Reprise Financial does not offer a soft credit pull pre-approval, which could affect your credit score if you decide to apply.
  4. Numerous Complaints: Out of an average of 28 customer reviews at BBB, Reprise Financial has garnered 22 complaints. This shows that many customers were not satisfied with their services.

Please consider these pros and cons while choosing Reprise Financial as your loan provider.

Reprise Financial Alternatives

Based on my personal experience, the best alternative for any loan is a personal emergency fund. Here’s how you built it with no effort (check the autopilot section):

Emergency Fund - A Comprehensive Guide for Financial Planning

Several companies offer similar financial services to Reprise Financial. Here are a few alternatives:

  1. Investment Professionals: A company offering various financial services, including investment and retirement planning.
  2. Triumph Business Capital: This company provides invoice factoring services, helping businesses improve their cash flow.
  3. Level Four Advisory Services: Level Four provides comprehensive financial services, including wealth management and financial planning.
  4. Avant: Similar to Reprise personal loans, Avant offers loans for debt consolidation, funding large expenses, and other financial needs.

Additionally, I could recommend to check my list of personal debt consolidation loan companies (I used 2 of them):

The Ultimate Guide to Debt Consolidation Loans

Without detailed reviews or direct comparisons, it’s important to research each alternative to understand their offerings, terms, and conditions. Always choose a financial service that best suits your specific needs.


What credit score is needed for Reprise Financial?

Reprise Financial caters to a wide credit score range for their personal loans. Applicants with a credit score as low as 520 and up to 720 may potentially qualify for their financial services. However, checking with the institution for the most accurate information is always recommended.

How long does it take to get your money from Reprise Financial?

The time it takes to receive your money from Reprise Financial largely depends on the approval process. Once approved, the funds can be available in your checking or savings account before the next business day.

What is the interest rate at Reprise Financial?

At Reprise Financial, the interest rates for their loan products range between 9.99% and 36% APR. It’s important to note that these rates may vary as they are influenced by specific loan programs and the borrower’s credit profile.

Does Reprise Financial require collateral?

Reprise Financial provides both secured and unsecured loans. For secured loans, collateral such as a vehicle may be required. However, the requirement for collateral depends on the specific type of loan and the applicant’s credit score. It’s important to note that not all applicants will qualify for all loan types.


Reprise Financial (Skopos Financial LLC), founded in 2012, has grown into a premier online lending platform, providing personal loans for various purposes. They have shown a strong commitment to helping customers manage their finances and have recently funded over $1.4 billion in loans.

The company has a good presence on social media platforms like LinkedIn and has garnered positive customer feedback across various review platforms.

However, like any financial institution, it’s crucial for customers to thoroughly understand the terms and conditions of the loan products and assess their ability to repay the loan before making a decision.

Considering all factors, Reprise Financial appears to be a legitimate company with a solid track record. However, exploring other alternatives and choosing a financial product that best suits individual needs and circumstances is always recommended.

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