"Outstanding odds"? Apparently not. But thanks for wasting my time.
Reprise had me go through the entire approval process and said they needed just one phone conversation to finalize my loan. I'd applied only because Credit Karma listed my chance of approval as "Outstanding" and I thought a small loan would enable me to eliminate some credit card balances. But on the phone, I was summarily dismissed as someone who couldn't be approved for an unsecured loan of ANY size because my income was insufficient and I have "too many bills". I'm a homeowner in a long-term marriage with two paid-for vehicles. My wife brings home $57K a year on top of my $24K, and we've never missed a payment of any kind. Apparently, because I opt to put the loan in my name only and don't wish to use a vehicle as collateral, Reprise sees me as a financial risk. So if I decide to try elsewhere, I'll use one of their competitors that has a local office and has worked with me in the past.