RISE Personal Loans

in Personal Loans from Elevate Credit

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RISE Personal Loans


in Personal Loans from Elevate Credit

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Mostly recommended

33 users recommend
9 users are unsure
33 users don't recommend
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Community Rating Mostly recommended
Loan Amount $300 - $5,000
APR  (Fixed APR) 36% - 299%
Loan Term 4 - 26 months
Number of Reviews 75

RISE Personal Loans Review

RISE Personal Loans is a personal loan offering by Elevate Credit, a direct lender based in Ft. Worth, TX. Founded in 2014, Elevate Credit offers access to personal loans in 14 states across the USA.

What rates and terms does RISE Personal Loans offer?

RISE Personal Loans has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does RISE Personal Loans offer?

RISE Personal Loans offers a fixed APR personal loan product that ranges from 36% APR up to 299% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via RISE Personal Loans?

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

What can a personal loan from RISE Personal Loans be used for?

Personal loans from RISE Personal Loans are typically used for special purchases, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

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

RISE Personal Loans 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.

RISE Personal Loans Rates & Terms
Loan Amount $300 - $5000
Loan Term 4 - 26 months
APR 36% - 299%

What fees does RISE Personal Loans charge?

Does RISE Personal Loans charge an origination fee?

RISE Personal Loans 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 Personal Loans charge a late fee?

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

Does RISE Personal Loans charge prepayment fees?

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

RISE Personal Loans Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

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

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

RISE Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay the loan requested.

Active duty servicemembers and their covered dependents cannot apply for a loan via RISE Personal Loans. 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
RISE Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Joint Applications Accepted? Yes
Credit Score 300 - 650

What is the estimated funding time for a personal loan via RISE Personal Loans?

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

Does RISE Personal Loans report loan payments to credit bureaus?

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

  • Transunion
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  • Headquarters
  •   4150 International Plaza
    Suite 300
    Ft. Worth, TX 76109
  •   Visit Site

Other Services by Elevate Credit


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  Available in 14 states
  • Alabama
  • Delaware
  • Idaho
  • Illinois
  • Kansas
  • Mississippi
  • Missouri
  • New Mexico
  • North Dakota
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Wisconsin

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Late Fee After (number of days) 7
Minimum Age 18
Credit Score Range 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
  • Individual Applications
Verification Documents Required
  • Proof of citizenship/residence (Green Card)
Loan Amount $300 - $5K
Loan Term 4 - 26 months
APR (Fixed APR) 36% - 299%

RISE Personal Loans Community Reviews


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