Classic bait and switch. Submitted all docs for a 14% loan and only then got quoted 24.9% . Asked for a supervisor, of course, he lowered it to 21.9% which added about $2,000 in interest to the life of the loan. No thanks. I'm not hookable. Feel sorry for those who sign up at 32% interest, which is where the sales guy actually started. Buyer beware. read more

I was approved for an unsecured loan then it turned into a secured loan using my paid off vehicle. Sent them all the info they requested. Did a verification call on my home phone and both of my cell phones. They said everything looked good and that was all they needed. I received an email a few minutes later stating the loan was denied because they were unable to verify. I even sent in my DL and a video of myself. What more do they need to verify me. Total waste of my time. I would never recommend this company to anyone. Horrible experience! Larry M read more

Just another bait and switch Don't believe them when they say you are pre-approved. Don't believe them when they say no fees. Don't believe it when they say quick approval process. And I'm so tired of heavily accented customer service reps that you can't understand. Do yourself a favor and bypass their bullshit pitch. This company lies and has no qualms about deceiving you. They should be ashamed of themselves and their business model. read more

This place is an utter jokes. Having clowns run it would be an improvement. This is the classic bait and switch. Basic misleading advertisement and should be illegal. Told I was Preapproved for a loan @ 20% for11,500. Sent my initial paperwork and it was supposed to be unsecured. Get an email Asking for the following: * Social Security Card * Identity Document * Picture of Front of Vehicle * Picture of Odometer * Picture of Rear of Vehicle * Proof of Insurance * Vehicle Registration Thus I called an they said that I was preapparoved for the unsecured loan for 11,500 pending a hard credit pull. Being "preapproved" for a loan means a lender has given you a conditional commitment to lend you money for a specific amount, assuming your financial situation and the property (if applicable) remain consistent and you complete the loan application and final underwriting process. Well not to Reprise. It is their opportunity to lie and manipulate you into a higher interest loan and make it a secured loan. Don't walk, but run. Dont consider and skip this company. I have other options that I can exercise in 6 months. I am paying for a loan that equates to a monthly payment double what Reprise offered or wait didnt offer but lied about. If I have paid that loan for almost 3 years yet you think I cant pay yours without baiting me. As I said it is a circus. read more

Don't apply it they will make you fill up then "approved" you for 25k then make you give you your car information then said oh sorry we have to change down to 7000 , likeeee why did we agree first place ? They didn't keep their word. Be careful!!!!!!! read more

They texted emailed and called me stating I was approved they then switched loan details and did 2 hard pulls on my credit. I denied the offer they continue to contact me after repeated blocks of the number read more

Don't ever use this company. I asked for a little assistance. Needed short-term help with payments. They had nothing, nothing available. They refused to help. Did I say, never use this company? I would give them 0 stars if I could. read more

Terrible customer service. Reps rude and cannot speak English well. Will never use this service again.

These are the rudest people I have ever dealt with regarding a loan. I came into some hardship and tried to explain my situation to them, but they did not care at all. I tried to make a payment plan, and they refused to help me. Do not get a loan through these people; if something should happen and you are unable to make the full payment, they These are the rudest people that I have ever dealt with regarding a loan. I came into some Hardship and I tried to explain to them my situation and they did not care one bit. I try to make a payment plan and they refuse to help me do not get along through these people if something should happen that you are able to make the full payment they make it impossible After 180 days they send it to the correct collections as a write off and it affects your credit for the next seven years you won't be able to get a loan by a house Or buy a car Do not get along through them. it impossible. After 180 days, they send it to collections as a write-off, and it affects your credit for the next seven years. You won't be able to get a loan, buy a house, or purchase a car. Do not get a loan through them. read more

This company gives you an offer and then when you go to sign up, watch the contract, they change the payment amount and the interest rate to much higher. It's a bait and switch. I'm not sure why credit Karma is referring them to anybody.Scam! read more

Truly horrible company and employees. Bait and switch with the interst rate, was supposed to be 9% they just increased it to 36%. They DO NOT want you to ever be able to pay off the loan. They are quick to sue you and take your vehicle, even if you have made payments. They need to be shut down by the government. They are a shell for Springlite. Do not do business with them, they will ruin your credit and finances, you will never be able to pay them off. They LOVE to tack on fees and claim the fees are legitimate. They only post fake "good" reviews on their website - check out all the horrible real reviews. Filing complaints with the states and BBB. read more

I'll just say this, yes it feels like a scam. The people there rush you, but if you have trash credit (raises hand) this is what you should expect. APR is going to be terrible, they bring you in with a low APR then when your credit gets pulled it goes way up. I was pre-approved for a 15.9% APR, then when I go to get the load 34.5%. We'll people we have to be better stewart's of our money. Im going to use the 23k I'm getting to save me over 1200 a month. Pay it back quickly to save on the payback. read more

Classic bait and switch! Offer 20% until the last minute then have you sign for 36%! Watch out! Hopefully an attorney will take this on!

This company offered a great interest rate during a preliminary and soft pull process provided all my documentation was accurate. After agreeing to the deal and allowing a hard pull they increased the rate by 10%. I provided proof of everything I said in the pre screen and was not offered the deal they agreed too. I hate companies that try to bait and switch. Complete waste of time and a hit on my report for no reason. beware! read more

A big waste of time never again smh sent all them documents to waste your time like I was so frustrated

Reprise is taking payments without authorization and from the wrong account. What are my legal actions?

I was a victim of the old bait and switch with Reprise Financial. They offered several loan options and I chose one that was at 12% APR. I wasted hours with them answering questions, uploading documents and getting them a payoff on my car only for them to switch the rate to 30% APR at the time of contract completion. Do not fall for this! They are not ethical! When I called them on their fraudulent business practices, they dropped the rate to 25%. They must be kidding! I have good credit and entered into the agreement for 12% as a debt consolidation loan. As a result I now have a hard credit pull on my credit report which lowers your credit. I would never have agreed to 25% let alone 30% and resent the hit my credit took for a scam offer! read more

They reach out offering an auto equity loan. I contacted them and they verified they loan money on vehicles you are still paying on. Gave them all the vehicle info, my info, everything. Was told everything was good to go. Take the hard credit hit, we got the info we need the decision is made. Then they call, ask what color the car is, and say they cant do the loan without paying the car off. CreditKarma as a the garbage company it is, should take a hit too. They pushed 6 different loan types to me from this company. All were bogus. read more

Do not ever use these people to try and get a loan. It is false advertising and they use it to try to lower you in with a low APR and then they turn around and crank it up by 12%. And then when you are almost done with the whole process And close to getting your loan they make you jump through obstacles after obstacles to get approved and they try to get all of this additional information that is not needed. This is a big scam and these people just try to take your identity. Avoid getting alone from these people at all cost. I never spent so much time on the phone I have this past week off for nothing because they keep saying I have "one more step" and they said that six times and they still were trying to get all this extra shit. Avoid this at all caused. It is nothing but a waste of time and honestly is the most disorganized company I have ever spoken with. If I could give negative stars, I would read more

Extremely frustrated with this company and loan process. I was pre-approved (through their website) for an unsecured $10,500 loan for debt consolidation at 20.1%. Completed the full application which put a hard pull on my credit and they came back with a $4,500 unsecured loan at 32.5% THIRTY TWO. I don't even have that bad of credit but, thanks to them, it's worse now. They need to be WAY more transparent when pre-approving before letting a loan application hard hit credit. I'm overly upset about this entire process. read more

Bait and switch scheme. I was offered a minimal personal loan of $4,000 at 23 % by mail. My reason to be interested in it was to pay some credit card balance that currently pays more interest on the debt. I never requested this offer, it was a pre approved offer based on credit information they got of me. I opened the letter, scanned a code and began filing the required information. It specified that unless I accepted an offer, a hard enquire in my credit wouldn't be pulled. My credit has not changed in the last 90 days or so. Well, they did an enquire to Experian and came back with an offer to make me an automobile collaterized loan. So I ended with a hard credit enquire to Experian and an offer I would have never enquire about due to lack of interest and an excuse by one of their employees named Sharika that explained to me the legal technicality justifying their act. BE AWARE OF THIS COMPANY MODUS OPERANDI TECHNIQUES. read more

The application process didn't seem to onerous at first, but they use false advertising and they use it to try to sucker you in with a low APR and then they turn around and crank it up by 12%. They seem to have forgotten to tell me that interest was compounded daily so you may end up taking a very long time to pay it off. This is a big money hole and these people just try to take your money. The customer service is ok but not as effective as they should be, and they outsource the whole customer service to the Philippines. The company's business practices of this company are absolutely predatory and unethical. Unless as a last resort, stay away from this company. read more

DECEPTIVE LENDING PRACTICE! 1- They do a hard pull on your credit. Don't believe their pitch that the credit inquiry they run won't affect your credit score. It does!!; 2-I applied for a $ 5 K loan clean loan recently which they approved online, payable in 36 months at 27.5% p.a.. Thereafter I signed the PN online, indicating the monthly payment and scheduled date of payment. They said to just wait for the funds to be credited to my account; 3-Thereafter, they asked for bank statements which I submitted; 4-Two days after, they asked for bank statements again, and so I called their office; 5-This time the office representative asked for my current paystub. Then he said never mind because he realized that I already sent my bank statements; 6-THIS IS WHERE IT GETS INTERESTING! The representative asked me the year, make, and model of the vehicle which I am offering as collateral for the $ 5000 loan !!!!!! 6-Naturally, I said what the ######## was he talking about? He said that my $5000 loan was supposed to be secured! When I protested SAYING THAT i ALREADY SIGNED THE PRO NOTE ONLINE, he said however that INSTEAD, I could borrow up to $ 11,000 unsecured loan, payable in 48 months at 35% p.a.!!! 7-I told the representative that I don't need $ 11,000, and that I already signed the documents for a $5000 clean loan, payable in 36 month at a much lower rate! Why on earth was he offering me a higher amount, with a much higher interest rate and payable with a longer term!!! 8-He couldn't explain why. Obviously, he was untrained and didn't know what was going on with my application. Steer away from this company. Classic Bait and switch scammers!!! read more

I went through the whole process of filling out application forms and subm all documents and was told I'll be getting a call to confirm and sign the paperwork. Then I got a email saying they need pi of my car and title and I didn't want to use my car as collateral then they said I would need to show an additional $5,000 month in income. I already showed I made $3,000 month income. So to borrow $5,000 they required me to make $8,000 month income. Makes no sense it's cr if I made $8,000 month I wouldn't need to borrow $5,000 read more

I'll also dispute the credit pull due to fraudulent attemp to fraud the customer with misinformed and misleading information which is against the law! Yesterday on May 7, 2023 at 2:49 p.m. from phone number 217-275-0163 Reprise Financial, Mr. Ryan called me stating that I was approved for $4500.00 and had me to signed a contact for the funds to be deposit unto my account and I did, and today I get a call telling me that they can't use my income. These people are a fraud and a scammer just to get out personal information they need to be investigated and that misleading fraudulent credit pull deleted from my account! I have a recording where Mr. Ryan told me I was approved and I have a copy of the contract. These people needs a class action lawsuit against them! I'm changing my account and adding a fraud alert on my credit report. I also spoke with, Ms Yukon if I'm spelling her name correctly on May 8, 2023 who admitted that Ryan did tell me that I was approved. I also spoke with Ms. Linda on May 7, 2023 who informed me that I was able to use my mother Social Security as long as my name was on/ me being over her check which I am and provided them Social Security paperwork as proof and May 8. 2023 later that day around 2:49 p.m. Mr. Ryan told me that Reprise Finance didn't need anymore paperwork and what I had sent them was good and my mother's income made me approved for the $4500.00 and had me to sign a contact form for the money which I did while him and I was on the home which is legal and binding by law! I have a recording and the contract that Reprise Finance had me to sign.. My next step is an attorney.. read more

Horrible customer service and one hand has no idea what the other hand is doing. Make you jump through hoops for 2 hours, each department is under their own rules. Stay away from!!! read more