in Personal Loans

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in Personal Loans

SuperMoney Net Recommendation Score -20% 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

16 users recommend
7 users are unsure
26 users don't recommend
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RISE is an online lender that provides fast cash to borrowers who don't qualify for lower cost loans. Rates are expensive, but there are no hidden costs or prepayment penalty fees. RISE's personal loans include free access to your credit score and your on-time payments will be reported to a major credit bureau, which could help you improve your credit score.

How Does RISE Work?

Apply online to see the rates and terms applicable to your state. To qualify, you must have a job or another proven source of income, an email, a phone, a checking account and be at least 18 years old. Please note that payments are bi-monthly or monthly and that the first payment date is on your next payday. RISE has fixed rates that depend on the loan amount and the state you live in.

What Are RISE's Rates and Fees?

The rates vary from 36% APR to 365% APR depending on the loan amount and the state you live in. The lowest rates are only available in certain states.

How Much Money Can I Borrow from RISE?

Loan amounts range from $500 to $5,000 and the maximum term is 26 months. To illustrate, a 25-month loan of $5,000 with a 125% APR will cost you $265 every two weeks or $530 a month, which represents a total cost of $13,250.

What Is RISE's Application Process Like?

The online application form only takes a few minutes to fill out, and in most cases, you will get a reply within seconds. If you're approved, you should get access to the cash within one business day. Rise offers a 5-day risk-free guarantee. So if you change your mind, you have five business days to repay the principal without having to pay interest or fees.

How Is RISE Better Than Other Lenders?

RISE has high rates but its socially responsible lending policy helps borrowers with poor credit rebuild their credit history.

This is what we like about RISE:

- RISE rewards borrowers who make on-time payments with lower rates on future loans. 

- In most states, borrowers can choose their own terms, such as loan amount, and the length of the loan term.

- There are no extra fees for repaying the loan early.

- Five-day risk-free guarantee. is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...



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
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
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Credit Score Range
300 - 650
850 300 650
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required?
Verification Documents Required?
  • Proof of citizenship/residence (Green Card)
Funding Time Range (in days)
1 - 3
0 14
Approval Speed (Hours)
Credit Bureau Reporting
  • TransUnion
Payment Options
  • Automatic Payments
Loan Term (Months)
4 - 26
1 180
Loan Amount
$300 - $5K
$100 $100K+
36% - 299%
4% 100%+


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