in Personal Loans

SuperMoney Net Recommendation Score -17% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly not recommended

18 users recommend
7 users are unsure
27 users don't recommend
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Where does RISE do business?

RISE is a direct lender based in Fort Worth, TX. Founded in 2013, RISE offers access to personal loans in 16 states across the USA.

What are the APRs offered via RISE?

RISE has a variable APR that ranges from 36% up to 299%.

Does RISE charge an origination fee?

No, RISE does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees. 

Does RISE charge a late fee?

Yes, RISE may charge borrowers a late payment fee, which is triggered if you're 7 days late.

Does RISE charge prepayment fees?

No, RISE does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow via RISE?

Loan amounts start at $300 and go up to $5,000.

What is the maximum loan term you can get with RISE?

RISE offers personal loans with terms ranging from 4 to 26 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with RISE?

Applicants with a credit score of at least 300 can apply for a loan via RISE . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

RISE will also consider borrowers who are unemployed as long as they meet the minimumum annual income requirements.

Active duty servicemembers and their covered dependents cannot apply for a loan via RISE. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • What is the estimated funding time for a personal loan via RISE?

    RISE will typically approve (or deny) a loan application within 24 hours and fund personal loans within 3 business days of approval.

    Does RISE report loan payments to credit bureaus?

    RISE may report credit data to the following credit reporting agencies:

    • Transunion

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    Available in 16 states
    • Alabama
    • California
    • Delaware
    • Idaho
    • Illinois
    • Kansas
    • Mississippi
    • Missouri
    • New Mexico
    • North Dakota
    • Ohio
    • South Carolina
    • Tennessee
    • Texas
    • Utah
    • Wisconsin

    Feature Breakdown

    No Origination Fee
    No Prepayment Fee
    Late Fee After (number of days)
    Minimum Age
    Credit Score Range
    300 - 650
    850 300 650
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Bank Account Required?
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Joint Loan Applications Accepted
    • Only Individual Applications
    Verification Documents Required
    • Proof of citizenship/residence (Green Card)
    Loan Amount
    $300 - $5K
    $100 $100K+
    Loan Term (Months)
    4 - 26
    1 180
    36% - 299%
    4% 100%+


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