Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.6
(22 Ratings)

Apply For Rise Credit

Advertiser Disclosure

How to apply

Main Requirements

To be eligible for a Rise personal loan, the borrower should meet the following requirements:

Be at least 18 years old (for Alabama and Nebraska residents, the age is 19)

  • Live in the state where the Rise operates,

  • Have a regular source of income,

  • Have a valid checking account,

  • Provide an e-mail address.

In addition, when applying, you provide Rise access to your personal information for checking. Those are IDs, income documents, and credit reports. The company needs it to assess your ability to pay the loan back.

Rise personal loan cannot be approved if the borrower is a member of the military. This borrower category falls under the Military Lending Act. It was amended on October 3, 2016, and since that, Rise has become unavailable to applicants listed as Covered Borrowers in the Military Lending Act database. This includes qualifying active duty service members and their dependents.

Besides, Rise doesn't accept co-signers. You won't be able to provide a promise with a co-signer, so you only need to consider applying for Rise on your own. If you have low credit and poor history, you might face very high rates, or you need to look at the other lenders.

Application Detailes

Like other lenders operating online, Rise has 24/7 Support you can reach through the website if you have any questions. The application process is online too.

Rise conducts a soft inquiry to evaluate a borrower's credit history. It doesn't affect credit score. Based on the credit report, Rise will decide whether to offer you their personal loan or not. You provide your Social Security Number, W-2 form, and other information regarding your work and financial situation.

After you submit the application, Rise will show you the result almost immediately. They will state the interest rates. Once you receive approval, you can choose the loan amounts and loan terms.

Generally, you will receive the funds the next business day after you sign the loan agreement. The paper check takes seven to 10 days to transfer.

If you are not approved, Rise will reach you, stating the exact reason for rejection. The main reasons for rejection are low credit score, high debt-to-income ratio, insufficient income, and you didn't meet the requirements. Keep in mind that Rise only allows having one personal loan. You can apply for another once you have paid off the existing one.

FAQ

What is the Rise Credit APR?

Rise offers APRs ranging from 50% to 299%. They are high APRs and depend on your credit score, employment and credit history, and other factors.

What is the easiest loan to get approved by Rise Credit?

Rise offers personal loans based on fixed installments. There is no minimum credit score, and the loan amounts are up to $5,000.

How long does it take Rise Credit to approve a loan?

Rise processes applications for personal loans almost instantly. Once you get approved, the funds will be transferred to your bank account the next business day.

Financial products
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.6
(22 Ratings)
Recommended FinScore™
0
300
650
1000
500.00 – 5000.00 $
Rate
i

Effective interest rate on the product

60.00 – 299.00 %
Term
i

Loan term for the financial product

7 months – 36 months
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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2000.00 – 100000.00 $
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Loan term for the financial product

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Rating by Finanso®
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All Rise Credit’s reviews by may 2024
Leave feedback
2
Disadvantages
This company is terrible to deal with due to a loan issue that wasn't approved from the customer's end in the first place. I strongly advise against obtaining a loan from this company.
Complain
2
Disadvantages
During the loan application process, I didn't come across any documentation that indicated my payments would be automatically withdrawn from my account. Additionally, I wasn't aware that my monthly payments would occur every other week. This situation has put me in a more challenging financial position than before. I am unable to manage bi-weekly payments of $123, as I initially believed this was a monthly payment arrangement. This has left me in a difficult situation.
Complain
4.6
Advantages
I've been a customer of Rise for nearly two years now, and I've never encountered any problems when needing emergency funds. Just this month, after making my payment, I faced another emergency and was swiftly approved without any hassles. This has been a valuable way for me to work on rebuilding my credit.
Complain
4.4
Disadvantages
Rise consistently fails to provide accurate balance information, often being several months behind and displaying random amounts. Unfortunately, they have been unresponsive and unhelpful when I've brought this issue to their attention.
Complain
4.2
Advantages
The simplicity of the entire process made it a breeze. The funds appeared in my account the following business day, and this loan allowed me to consolidate my credit into a single payment, which I appreciated. I was also pleased that I wasn't inundated with phone calls. The overall experience has left me with a positive impression, and I would return if the need arises in the future.
Complain
4.6
Advantages
Obtaining a loan swiftly and effortlessly was quite beneficial. The company provides ample information to guide you through the process and understand what steps to take.
Complain
2
Disadvantages
I required additional funds urgently for an emergency situation. However, the interest rates offered by this company are incredibly high. I would not consider taking out another loan with them in the future.
Complain
4.6
Advantages
Rise came to my rescue in a pinch. The application process was refreshingly simple and straightforward, in contrast to the lengthy and intimidating applications of some other credit providers. Their decision came back exceptionally fast, and the deposit was in my account a day earlier than anticipated. What's great is that they offer an affordable payment plan, with the flexibility to pay off the loan sooner and save on interest.
Complain
4.6
Advantages
I had an excellent experience with Rise. I submitted my application, was swiftly approved for the loan, and had the funds deposited into my bank account just two days later. Despite my credit history, they provided me with a fantastic interest rate and a repayment schedule that suits my needs. I anticipate being able to fully repay the loan in just 7 months, which is a highly favorable arrangement for me.
Complain
4.8
Advantages
I'm a big fan of using Rise for my loan requirements. The payments are affordable, and they are quite flexible when assistance is required. If you consistently make your payments on time, you even have the option to renew your loan or request additional funds.
Complain
Overall company rating
3.6
/ 5
22 reviews
Execution of an application
3.9
Support service
3.6
Mobile app
3.5
Service quality
3.6
Your satisfaction level
3.5
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