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Last Updated: 09/19/2025

risecredit.com

in Personal Loans from Elevate Credit

Last Updated: 09/19/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham

Verified by:

Elevate Credit
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Mostly recommended85 total votes
45 users recommend
11 users are unsure
29 users don't recommend
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Compare personal loan offers from risecredit.com and their competitors.

Compare personal loan offers from risecredit.com and their competitors.

Discover your lowest eligible rate in minutes.

Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

See how much you qualify for and what your monthly payment will be.

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Highlights

Community Rating

Mostly recommended

APR (Fixed APR)

59.9% - 299%(Verified 01/24/2025)
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Amount Range

$500 - $5,000
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Loan Term (Months)

4 - 36

Number of Reviews

85
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risecredit.com Review

risecredit.com is offered by Elevate Credit, a direct lender founded in 2014 and based in Ft. Worth, TX. risecredit.com are available in 27 states.

Key Takeaways

  • APRs starting at 59.9%. Personal loan interest rates typically range between 9% and 36%. The starting rates for risecredit.com are on the higher end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Prequalified rate. You can check your prequalified rate at Elevate Credit with a soft pull that will not affect your FICO or VantageScore.
  • Origination fees of 0% to 5%. This is average for lenders that charge origination fees. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
  • No late fees. risecredit.com will not charge additional fees if you miss the due date on a payment.
  • Short loan terms. risecredit.com have loan terms as short as 4 months.

risecredit.com Pros & Cons

risecredit.com FAQ

What interest rates and personal loan terms does risecredit.com offer?

risecredit.com has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does risecredit.com offer?

risecredit.com offers a fixed APR personal loan product that ranges from 59.9% APR up to 299% APR.

How much can you borrow via risecredit.com?

Personal loan amounts start at $500 and go up to $5,000

What is the maximum loan term you can get with risecredit.com?

risecredit.com offers loans with terms of up to 36 months.

What fees does risecredit.com charge?

Does risecredit.com charge an origination fee?

risecredit.com may charge a personal loan origination fee of 0% to 5% of the personal loan amount . risecredit.com deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.

Does risecredit.com charge a late fee?

No, risecredit.com will not charge you a late fee if you miss payments.

Does risecredit.com charge prepayment fees?

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

What do you need to qualify for risecredit.com?

Applicants with a credit score of at least 500 and up to 700 may be eligible for risecredit.com. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
risecredit.com does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by risecredit.com.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Proof of citizenship or residence permit

What is the estimated funding time for a personal loan via risecredit.com?

risecredit.com will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.

Does risecredit.com report your account activity to credit bureaus?

Yes, risecredit.com reports to the following credit bureaus:
  • Experian
  • TransUnion
  • Clarity Services
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Elevate Credit perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
risecredit.com allows you to check your rates with a soft credit pull.

Are risecredit.com legit?

Elevate Credit was founded in 2014, it is a well-established company that has been in business for 12 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

risecredit.com Disclosure: Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved for vary by state and are subject to minimum income requirements. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement. 1Applications processed and approved before 6pm ET are typically funded the next business day if you elect to receive your funds by direct deposit. If you elect to receive your funds by check in the mail, the check will typically be mailed within 2 business days. Consult with your bank on when funds will be available. 2In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. 3If approved and depending on the amount of the loan you are approved for, you may be able to customize your loan amount and payment options. May be subject to minimum loan amount and loan term restrictions. Loan terms (e.g., rates, origination fees, minimum and maximum loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. Refer to Rates & Terms and www.RISECredit.com for additional details. 4You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn’t right for you, simply call the toll-free customer service number at 866-580-1226, repay the principal within the 5-business day period and there will be no charges. In AL, DE, GA, ID, MS, MO, SC, UT, and WI, installment loans are underwritten, approved, and funded by RISE, an online lender that offers installment loans for borrowers. In AK, AZ, FL, HI, IN, KS, KY, LA, MI, MN, MT, NC, NE, NV, OH, OK, OR, TN, TX, VA and WY, installment loans are underwritten, approved, and funded by either Capital Community Bank (a Utah Chartered bank, located in Provo, UT, Member FDIC) or FinWise Bank (a Utah charted bank, located in Murray, UT, Member FDIC). The lending bank is disclosed during the application process and stated in the Loan Agreement.

SuperMoney Disclosure: SuperMoney.com 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...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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Message from risecredit.com

For the millions of Americans who have limited access to credit products, RISECredit.com is a smarter borrowing option. RISECredit.com lenders offer installment loans with flexible payment options3 and the ability to pay off early with no prepayment penalties. In addition, RISECredit.com provides a 5-day risk-free guarantee³ that allows customers to pay back only the principal with no interest if they timely decide the loan isn’t right for them. With features like fast approval, credit bureau reporting, free credit score monitoring, financial wellness tools, and flexible loan options³, RISECredit.com is more than just a loan – it’s a path toward a brighter financial future.
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Message from our editor

What We Love About RISE Loans

RISE is another company that is revolutionizing the personal loan industry. The company offers installment loans with an easy online application, instant or near-instant decisions, and funding as quickly as the next business day. This is what today’s consumers want-- quick, easy lending and solutions that fit those needs.
Of course, our favorite feature of RISE is that there’s a five-day guarantee on all loans. That’s right-- consumers have up to five business days from the financing of the loan to decide they don’t want the money after all. If they decide against the loan, they simply repay the principal, and there will be no fees assessed.

What Could RISE Do Better?

RISE currently has some shocking APRs, but that’s to be expected with installment loans. These types of “quick cash” loans are designed for emergencies, and because of their high-risk nature, they come with much higher interest rates. Thus, the loans are typically best used by those with only an urgent need and no other options. RISE could do well to be that lender for people, but if they expand their offerings and find a better interest rate bracket, they could also increase their consumer base and provide more solutions for all types of lenders.

RISE's Backstory

RISE was founded by people who wanted to help others with less-than-perfect credit who needed financial options. Personal loans are known for being difficult to obtain without perfect credit, so the RISE model allows more people to get the funding they require without the costs. The short-term installment loans are an alternative to traditional lending, and the company has a strong reputation in the industry for helping people with alternative financing.

The Verdict

RISE is a great choice for people who need large sums of cash fast. However, with the high interest rates and shorter repayment terms, it might not be the ideal solution for every lending need.
It’s best to apply to multiple lenders and see if you can get better rates elsewhere. At Supermoney, we have lender reviews to help you learn about the best providers and a loan engine that will help you compare your options in one place.

Contact

Headquarters

4150 International Plaza
Suite 300
Ft. Worth, TX 76109
(866) 580-1226
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed

Other Services by Elevate Credit