Review Time
Initially, it was an over the top hassle regarding all the documents that I had to submit. Although it tells you in advance, what items then there’s always more. However, once that was completed, things went smoothly. The company sends lots of emails and texts advising that I have an opportunity for more credit. However, they don’t clarify the honesty about the requirements. I’m satisfied with her prize Financial. They did help me and are helping me. 
Recently my identity was stolen and it messed up my credit and going back to work after caring for my mother whom passed. Got the loan yet it took a week and the reps were rude as hell. The last gentleman I spoke with was the best and that’s why I gave a 3 star instead of 2
Kim Deguzman was very friendly, efficient and totally helpful by answering my questions and giving me all the details I needed to make an informed decision to accept the loan offer. Thank you, Kim!
The representative answered my call and extended his time beyond his scheduled shift to ensure I received complete assistance. He kept me updated on everything he was doing during our conversation, displayed excellent phone etiquette, and was incredibly kind as well.
I strongly advise anyone thinking about working with this service to conduct thorough research beforehand. My experience has been quite troubling due to what I perceive as misleading and deceptive practices, especially in how they report loans to credit bureaus. I secured a personal loan, not an auto loan. I already owned my vehicle, and the loan funds were not utilized for purchasing a vehicle. Later, my vehicle was used solely as collateral to increase the loan amount. Yet, this service is inaccurately reporting the account on my credit report as a traditional auto loan. When I reached out for clarification, the representative explained that since a vehicle was used as collateral, they are permitted to classify it as an auto loan. This reasoning is flawed and overlooks the critical difference between a purchase-money auto loan and a secured personal installment loan. Using a vehicle as collateral does not automatically change a personal loan into an auto loan, yet they persist in reporting it that way. What I found most concerning was the dismissive and misleading nature of the phone conversation. Instead of providing a clear explanation or addressing the inconsistency, the representative relied on vague statements and avoided direct questions. I felt I wasn't receiving honest or transparent information. This misclassification can have serious repercussions. Accuracy in credit reporting is crucial, and wrongly labeling a personal loan as an auto loan can adversely affect underwriting, credit analysis, and future lending decisions. The service has been informed of this issue but has refused to rectify it. Given my experience, I would not trust this service to report loan information accurately or to engage transparently with consumers. If you value clear terms, honest communication, and accurate credit reporting, I highly recommend seeking alternatives.
The service seems to engage in misleading tactics. They claim you can use a vehicle as collateral, regardless of ongoing payments. However, after a hard credit inquiry, they inform you that car payments significantly affect the loan amount you can receive. This feels very dishonest, and now I have a hard credit inquiry for no reason. I do not recommend this service.
Instead of issuing a refund, I received a vague email and a letter. When I called the contact number, I was disconnected, and then informed that they couldn't access my account without a card number, which I do not possess. This feels manipulative. This situation involves a loan that was fully paid off, and a simple paper check refund should have been sent. Instead, this seems like a strategy to withhold the small refund I am due. Additionally, these loans have extremely high interest rates (up to 34%) with daily accruing interest, making it very challenging to pay off early.
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We were founded in 2012 with the belief that more people want a simple and reliable way to take back their finances or to get the funds they need for life’s unexpected events, emergencies, bill consolidation and much more. Reprise has funded over 2.7 billion dollars in loans to date which are served by our best-in-class customer service team members. In 2022, we rebranded as Reprise Financial as a symbol of this renewed commitment to our customers. In addition to being the best source for personal loans up to $25,000, we offer consumers financial tips and credit education so that they can take back control of their finances and gain not only the funding they deserve, but also financial knowledge and health along the way. Simple.Reliable.Reprise.See more
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