Rise Credit Loans Review

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Rise Credit Loans can provide quick fund approvals when you need it most. Being able to get fast cash can help aid you in a time of need. Some emergencies are bills, rent, or making your mortgage payment. Other reasons you’d get funding are for small projects or an emergency like car repairs. Either way, this company is here to help you. They may have expensive interest rates, but that’s because they are quick and efficient. For people with bad credit or who may not qualify for general loans, these can be a good alternative.

We want to ensure that you’re getting the help you need. So, we’ve taken the time to research and review Rise Credit Loans as a whole. This is what we’ve found about the company;

Personal Loans

A personal loan is a type of advance where you can borrow a set amount of money and pay it back over time. These are generally small and don’t require good credit. You may qualify for a small or large loan, depending on your current verifiable income.

These loans should only be taken out when you need money. The APR rates are often high, which means you could end up paying back twice what you borrowed. Luckily, personal loans are flexible.

How to Borrow Funds From Rise Credit Loans

Borrowing from this company is similar to applying for any other type of loan. The only difference is that you won’t be subjected to credit checks. Instead, Rise Credit focuses on making sure that you have the verifiable income to pay them back.

As long as you can provide valid work, then they can approve you for your advance. The higher your income, the bigger loan you can be approved for. Once you get approved, you can expect the funds to be deposited into your bank account.

What Limits Are There to How Much You Can Borrow From Rise Credit?

Depending on your income, you can get a loan that totals $5,000. At a minimum, you can get approved for a loan of $500. The advances have a decently high-interest rate, which means you should carefully consider how much you borrow. The more you borrow, the more interest Rise Credit Loans will charge.

Are There Any Extra Fees or Interest with Rise Credit?

The company does its best to ensure that you won’t be charged any extra fees. Rise Credit doesn’t have any origination fees, prepayments, or even late fees. This makes them ideal for people who won’t have the extra cash to get approved throughout the loan process.

The interest rate, on the other hand, tends to start in a much higher range. The higher the amount borrowed, the higher the interest rate increases. For smaller advances, you can expect the APR rating to be around 60%. However, if you are borrowing closer to the maximum, APR rises to 299%.

What Happens If You Miss a Payment With Rise Credit Loans?

One benefit of using Rise Credit over other companies is that they don’t have any penalties for delinquent loans. That doesn’t mean you should skip a payment, though. They do their best to work with you so that you can keep up with your payments.

In the case of non-payment, you still will have your account sent to collections and be subjected to lower credit due to them reporting you. So, no late fees or extra increases on your account will be made.

How Do You Know That Rise Credit Loans Is Safe to Use?

Yes, Rise Credit is a legitimate company. They have been operating for years now and have plenty of positive reviews. The only issue we’ve found is that the interest rates are within medium range. You could still find a better company with better rates, but this is a good option if you don’t want to spend too much time.

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Application Process for Rise Credit Loans

There are three main steps when applying for a loan from Rise Credit. They will require you to fill out an online application to get approved. Alternatively, you can also send the paperwork into their company through fax or mail.

Here are the steps you need to take for applying to a loan;

  1. Personal Information – fill out their online application by inputting your information into the secured fields. Standard information asked to be provided are; first and last name, address, apartment, city, state, and zip code. After that, you may also be asked to input contact information and SSN.
  2. Your Income – to get a loan, you’ll need to provide information about your finances. First, put in your job details and provide the necessary documentation of your income. After that, you will need to give them your routing and account number so that they can deposit funds into your account.
  3. Disclosure Agreement – After you’re done filling out the other fields, you’ll need to read over their disclosure agreement. This goes over the terms and conditions of signing with their company. Once you do this, you can then submit your application for processing.
  4. After a day, you will get confirmation about your approval. If you are approved, you will be asked to sign over a contract that states the terms of the loan, interest, and repayment schedule. Read over it before signing, and then you can expect funds to be deposited in your bank account.

The Requirements to Be Eligible for Rise Credit Loans

To apply for a loan from Rise Credit, you will need to pass set criteria. This criterion is put in place to ensure you can 1) pay back the loan, and 2) are old enough to understand the agreement.

Here are the requirements to even apply for a loan from Rise Credit Loans;

  • Be over the age of 18
  • Live in an eligible state
  • Have a regular source of income
  • Active and valid checking account
  • Active email address
Advantages of Rise Credit Loans
  • Accepts Bad Credit ;
  • No Origination Fees;
  • No Prepayment Fees ;
  • No Late Penalties;
  • Quick Approval ;
Disadvantages of Rise Credit Loans
  • High APR ;
  • Only Small Loans ;
  • No Joint Applications ;
  • Available in 30 States ;

The eligible States for Rise Credit Loans

Rise Credit only provides loans in 30 states and the district of Columbia. If you don’t live in any of the eligible states, then you will have to find a different lender. Here are the current states that Rise Credit Loans offers loans in;

  • Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Mississippi, Missouri, New Mexico, North Dakota, Ohio, South Carolina, Tennessee, Texas, Utah, and Wisconsin.
  • Kansas & Tennessee (credit lines only)

The Online Process to Getting a Payday Loan With Rise Credit Loans

To get a payday loan online, you will need to fill out an online application. The application process takes less than 30-minute to complete and only requires some personal information. Besides meeting the Rise Credit requirements, you must also be able to provide the following information;

  • Personal Identification (name, SSN)
  • Proof of Residence/Contact Information (mailing address, phone, email)
  • Proof of Income (bank statements, pay stubs, or verifiable income documentation)
  • Checking Account (routing and accounting numbers)

The Walk-In Process to Getting a Payday Loan With Rise Credit Loans

Rise Credit Loans doesn’t have physical stores where you can walk in and provide an application. For the most part, you will need to apply using their online application. However, you can send checks or other forms of payment to their mailing address.

What’s Their Contact Information and When Are They Open?

All customer support lines for Rise Credit operate from Monday to Friday from 8 am until 11 pm (E.T.). If you need to get a hold of them on weekends, they are also open Saturday and Sunday from 9 am until 6 pm (E.T.) through the phone. Their phone number is;


If you don’t have any urgent concerns, you can alternatively submit an email through their “contact us” page. Response times vary from 24 to 48 hours. Although, you can always log in to your account online to check your balance and extend your payment at any time you wish.

For their mailing address for payments, here’s the following information;

Payments: RISE Credit

                     P.O. Box 679900

                      Dallas, TX 75267-9900

Overnight Payments: RISE Credit

                                    Lockbox Number 679900

                         1200 E. Campbell Rd., Suite 108

                                    Richardson, TX 75081

Correspondence: RISE

                                     Attn: Customer Support

                                     P.O. Box 101808 

                                         Fort Worth, TX 76185

Fax: (866) 580-1228


In conclusion, Rise Credit Loans can be a good choice for small or big projects. Just know, the interest rate is much higher than other companies. That being said, the company excels in being able to accept bad credit, avoid fees, and get the funds to you quickly.

The biggest issue we saw was that the loans only go up to $5,000. So, if you have a bigger project on the rise, consider skipping them. However, only borrow enough money to cover your expenses.

A reason many people don’t choose to use this company is because of the high interest. That being said, it’s not as high as other company’s credit rates. It’s much smaller but raises when you apply for more. Our bottom line is that you just need to understand the terms before signing.

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