RISE Credit offers online installment loans from $500 to $5,000. You receive a set payment schedule and an end date in your Loan Agreement, so you can review the commitment before accepting it. Check the cost, consider other options, and borrow only if the payments fit your budget.
This is an expensive form of credit. Other ways to borrow may cost less and suit your needs better.
Apply NowAn installment loan is repaid through scheduled payments over time. RISE loans are unsecured, so you do not put up collateral such as a car to apply. The payments are fixed, and the loan has a defined end date.
That structure can help you see when payments are due and when the loan is scheduled to end. It does not make borrowing free or right for every situation. Read the full Loan Agreement, including the cost of credit and payment dates, before you decide.
RISE loans are offered only to residents of states where permitted by law. Availability varies by state. Review RISE Credit rates and loan terms to learn what affects cost and what to check before you accept a loan.
You can start online. Checking eligibility or prequalifying uses a soft inquiry that does not affect your FICO score, subject to conditions. A hard inquiry is placed when you are approved and accept the loan, and some applicants may see a hard inquiry with Clarity when they apply.
If an offer is available, take time to read the Loan Agreement. It identifies the lender and sets out your payments and other terms. You can compare those terms with other choices before making a decision.
Applications processed and approved before 6 p.m. ET are typically funded the next business day. Timing is not a promise of when money will arrive. Learn about loan requirements and the application process before you begin.
An unexpected car repair, medical care, or travel needed for work can put pressure on a budget. An installment loan may be one way to cover a one-time emergency when you have considered the cost and your ability to make every payment.
Think about the whole repayment period, not just the immediate expense. Ask whether a lower-cost option is available and how this payment would fit beside rent, food, utilities, and other obligations. This product is designed for emergencies, not ongoing expenses or long-term borrowing.
A loan also creates an obligation even if the emergency passes quickly. Before accepting one, look at the total cost in your agreement and the dates when payments are due. If the schedule is difficult to manage, the loan may make a strained budget harder to handle.
RISE offers a 5-Day Guarantee that may let you rescind a loan under its stated conditions. Read how the 5-Day Guarantee works before relying on it.
Borrowers can choose their payment terms or schedule, subject to state restrictions. Check the dates shown in your agreement against your income and other bills. There is no prepayment penalty or extra fee for paying early, and paying early may save interest.
Payment history is reported to one or more credit bureaus. On-time payments may help build credit history; late or missed payments may hurt your credit rating. Customers can also access Credit Score Plus for a free credit score, monitoring, and alerts.
These tools do not change the cost of a loan or remove the need to make payments on time. They can give you information to review while you manage your account. RISE also offers budgeting tools and financial wellness resources.
Customer support is available seven days a week. You can use the RISE Credit customer service contact information to find the appropriate way to get in touch about an account or payment question.
| Item | Overview |
|---|---|
| Loan amount | $500 to $5,000 |
| APR | About 60% to 299%; varies by state |
| Payments | Fixed payments with a defined end date |
| Early payoff | No prepayment penalty; paying early may save interest |
The APR range describes possible costs, not the rate any one person will receive. Your specific terms appear in your Loan Agreement. Compare the amount you receive, the payment schedule, and the full cost before agreeing to borrow.
Loan calculator label: Estimate your loan payments.
Estimate only: A calculator result is an estimate, not an offer or your final loan terms. Your Loan Agreement provides the terms that apply to an approved loan.
The calculator control is separate from this written explanation. Use the full rates and terms guide for the verified cost information and details about early payoff.
These guides explain borrowing concepts in plain language. They can help you frame questions before reviewing any loan agreement.
Compare how these forms of borrowing work and which cost questions to ask. Read the loan comparison guide.
Learn why different types of inquiries may affect your credit record differently. Read about soft and hard credit inquiries.
See how repayment history can affect credit in either direction. Read about installment loans and credit history.
Find the key terms to review before accepting a borrowing obligation. Read the loan agreement guide.
RISE Credit is the brand for online installment loans described on this site. The loans have fixed payments and a defined end date, and you can review costs and terms before accepting an offer.
RISE offers online, unsecured installment loans with fixed payments and a defined end date. Unsecured means you do not have to provide collateral for the loan.
RISE loan amounts range from $500 to $5,000. The amount offered to you, if any, will be shown with the terms you can review before accepting.
Checking eligibility or prequalifying uses a soft inquiry that does not affect your FICO score, subject to conditions. A hard inquiry is placed when you are approved and accept the loan, and some applicants may see a hard inquiry with Clarity when they apply; review the credit inquiry details.
Less-than-perfect credit is considered, but that does not mean any application will be approved. Requirements and the available terms depend on your circumstances and where loans are offered.
You need a valid checking account, an email address, and minimum income that varies by state. Review the loan application requirements before starting.
Applications processed and approved before 6 p.m. ET are typically funded the next business day. Actual timing can vary, so do not plan on receiving funds at a guaranteed time.
It is an option to rescind your loan if you meet its conditions and contact support in time. Read the full 5-Day Guarantee terms before deciding whether to use it.
There is no prepayment penalty or extra fee for paying early. Paying ahead of schedule may also save interest.
Payment history is reported to one or more credit bureaus. On-time payments can help build credit history, while late or missed payments can hurt your credit rating.
Loans are offered only where permitted by law, and availability varies by state. Read about loan availability and costs; eligibility is checked during the application.
Review the RISE Credit privacy policy to understand how information is handled and what choices may be available. Take time to confirm that you are using the official risecredit.com site before sharing personal information.
RISE has phone, email, and mailing options for customer support. Find the current contact details and hours to choose the best way to reach the team.
Review the full cost and payment schedule, then compare this loan with other options that may suit your needs. Loans are available only where permitted by law.
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