RISE Reviews

RISE Reviews
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About RISE

RISE Credit is licensed in 29 states across the U.S. For nearly a decade, this lender has been providing personal online installment loans to connect clients with the money they need. Its quick application process can get consumers access to cash in as little as one business day. The company provides a five-day risk-free guarantee and a flexible payment schedule. Unlike some competitors, RISE reports payments to a major credit bureau, which may help improve credit scores.

Pros & Cons

  • No prepayment penalty
  • Loans from $500 to $5,000
  • Quick application process
  • Not available in all states
  • High APRs

What is RISE?

RISE is an online lender that helps consumers improve their financial situations through short-term installment loans. It reports payments to a major credit bureau, which can demonstrate responsible financial behavior if your payments are made on time.

The company offers tools to help customers learn more about their credit and take steps to build better financial habits. Its free Credit Score Plus program allows you to check your credit score and receive free credit alerts to monitor your progress.

How does RISE work?

To apply for a loan with RISE, you need to follow three simple steps:

  1. Submit an application: The company has a quick application process that should only take a few minutes.
  2. Choose your terms: You’ll be able to choose between flexible payment options that comply with the laws in your state.
  3. Receive your funds: Once you review the documents and sign your loan agreement, the money is deposited into your account as soon as the next business day.

RISE rates

RISE rates vary based on your financial history, the amount of money you’re requesting and your location. Some states have more restrictions on rates than others. You can see an exact range of interest rates for your state on the RISE website. Rates start at 59.8% and go up to 299% at the time of publishing.

You’ll want to read the loan terms carefully to understand your interest rate and how much you’ll have to pay back in total. RISE recommends paying off your loan early if possible to save money on your loan. There aren’t any prepayment fees, so you won’t be penalized for doing so.


What are the RISE application requirements?

In order to apply, you must meet the following application requirements:

  • Have a working email address to receive loan information
  • Be at least 18 years old
  • Reside in a state where RISE operates
  • Have a regular source of income, such as a job
  • Have an active checking account
  • Have an email address where you can receive account information
Where is RISE available?

RISE is available in the following 29 states:

  • Alabama
  • Alaska
  • Arizona
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • Ohio
  • Oklahoma
  • Oregon
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming
Does RISE do a hard credit pull?

When you’re applying for a RISE loan, the company initially does a soft inquiry. However, if you proceed with the offer and accept a loan, there’s a hard credit pull.

How long does it take to get a loan from RISE?

Once you complete the paperwork, you can expect to see funds deposited as early as the next business day.

Is RISE legit?

RISE is a legitimate company offering short-term installment loans to consumers in 29 states. If you need funds and a less expensive option isn’t available, RISE might be a good choice. The company has been around for over eight years and has provided over $3.7 billion in loans since its opening. In addition, the company’s application process is simple, and you can get the money quickly. Rates vary, however, based on your credit history and location. It’s important to read all loan documents carefully before signing.

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