To qualify for a personal loan throughreprise financial, you need to meet the following requirements and reprise financial reviews : Eligibility Based on Loan Type: Unsecured Loans (no collateral): Credit score: While Reprise accepts a wider range of credit scores compared to traditional banks, higher scores typically qualify for lower interest rates. Debt-to-income ratio (DTI): Ideally, your DTI (monthly debt payments vs. income) should be below 40%. Secured Loans (requires collateral, like your car): Vehicle requirements: Car must be under 20 years old, not leased, and have a clean title.