RISE Credit payday loans review September 2019 | finder.com

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RISE Credit payday loans review

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Get cash quickly with bad credit, but watch out for high fees.

$500

Min. Amount

$5,000

Max. Amount

Same business day to 1 business days

Turnaround time

Details

Product NameRISE Credit Payday Loans
Min. Amount$500
Max. Amount$5,000
Loan TermVaries
Loan SecurityUnsecured
Turnaround TimeSame business day to 1 business days
CostsVaries depending on the amount and your state of residency.
RequirementsYou must be 18 years old (19 in AL) or older, live in a state they service and have the following: a regular source of income, a checking account and an email address.
Payday loans are short-term loans that provide you money until your next payday. They can be a convenient form of credit when you need it, but they also tend to be much more expensive than other loans.

RISE Credit will tell you exactly how much you’ll pay for the loan before you sign a contract. Pay attention to high APRs and fees that vary from state to state.

How do RISE Credit payday loans work?

RISE Credit offers payday loans in Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Missisippi, Missouri, New Mexico, North Dakota, Ohio, South Carolina, Texas, Utah and Wisconsin.

Fees and interest rates vary by state, with some states charging an origination fee. You can learn more about your state’s specific rates on RISE Credit’s website.

What are the benefits of RISE Credit payday loans?

  • Quick approval. See the funds in your bank account in as little as one business day.
  • High maximums. Loans can be for as much as $5,000 in some states.
  • Build credit. You could be offered better APRs as a returning customer with good payment history. After making 24 months of scheduled payments, you could see a 50% drop in your rate of future loans or advances (excludes those who had starting rates of less than 75%).
  • No prepayment fees. RISE Credit allows you to pay off your loan or advance early with no extra fees.

What to watch out for

  • Fees. Some states charge higher late fees and origination costs.
  • High APR. You may pay more in interest if you have poor credit.

Compare more short-term loan providers

Updated September 19th, 2019
Name Product Filter Values Max. Loan Amount Loan Term Turnaround time
$5,000
9 to 36 months
1 business day
Comes with the option to change your due date so you won’t fall behind on repayments.
$35,000
6 months to 6 years
As soon as the next business day
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$2,600
Varies
1 to 2 business days
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
Varies by state
Varies by state
1 business day
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
$15,000
Varies
Same business day to 1 business days
Get offers from potential lenders in minutes by filling out just one online form.
$50,000
Varies
Same business day to 1 business days
Fill out a simple online form to compare offers from several lenders that may be able to help.
$1,000
Varies by state
1 to 2 business days
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
$10,000
90 days to 72 months
As early as 1 business day
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
$250
7-30 days
As soon as the next business day
Get rewarded for making on-time repayments with better rates and terms on future loans.

Compare up to 4 providers

Updated September 19th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$50,000
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
$10,000
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
$1,000
Same business day to 1 business days
Valid bank account, proof of employment or steady income, US citizen, ages 18+
No credit? Past bankruptcy? One of the lenders in its network may still be able to help.

Compare up to 4 providers

Is it safe to apply?

Yes. RISE Credit uses 128-bit Transport Layer Security encryption and multilayer digital defenses that ensure your personal and financial information is safe from malware, phishing and other suspicious activity.

Am I eligible for a RISE Credit payday loan?

Getting an installment loan through RISE Credit is a quick and easy way to get the money you need. To be eligible, you must:

  • Be 18 or older and a US citizen or permanent resident.
  • Reside in one of the 15 states it services.
  • Have a bank account.
  • Have a phone number and valid email.
  • Be able to prove a source of income.

What information do I need to apply?

  • Government-issued ID. You’ll need a driver’s license and Social Security number.
  • Banking information. Including your bank name, account type, account number and routing number.
  • Employment information. Name of employer, monthly income, last day paid and next pay date.

I got a payday loan from RISE Credit. Now what?

  • Avoid late payments. Save money by paying the loan in full by the due date.
  • Contact customer support. Call a representative with questions or to discuss payment options.

What do other customers have to say about RISE Credit?

Mixed reviews. RISE Credit is not accredited by the Better Business Bureau, though it does have an A+ rating. It received 4.3 out of 5 stars based on over 50 customer reviews, which were split down the middle between favorable and negative. Of those that criticized RISE Credit, they cited high interest rates, extra payments that were not applied to the principle, and being pre-approved for a loan and then being told they didn’t qualify. On the flip side, those satisfied with the payday loan service praised their easy application and fast turnaround.

Bottom line

RISE Credit offers payday loans to get you money quickly without having to worry about a strict repayment plan. However, you may want to compare other short-term loan lenders in your area to make sure that you get the lowest APR and fees for your needs.

Frequently asked questions

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6 Comments

  1. Default Gravatar
    Jack
    May 3, 2019

    How do I sign in to my account

    • AvatarStaff
      nikkiangco
      May 4, 2019

      Hi Jack,

      Thanks for getting in touch with Finder! To sign in to your RISE Credit account, visit the RISE Credit website and you’ll see the SIGN IN option on their main page.

      Hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    Rocky
    November 27, 2018

    Looking for a payday loan

    • AvatarStaff
      nikkiangco
      November 29, 2018

      Hi Rocky,

      Thanks for getting in touch! To apply for a payday loan with Rise, review their eligibility criteria and documents required to apply for the loan. Before lodging your application, check the terms and conditions and the product disclosure statement of the loan before applying. Should you need to ask questions regarding the policy, feel free to reach out to them. You can get their contact details via their website on their contact page.They are available Monday through Friday, 8 a.m. to 11 p.m. EST, and Saturday and Sunday, 9 a.m. to 6 p.m. EST. Hope this helps!

      Best,
      Nikki

  3. Default Gravatar
    Mike
    October 23, 2017

    Do you still provide loans in the state of Illinois?

    • Default Gravatar
      Danielle
      October 23, 2017

      Hi Mike,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      Rise credit offers payday loans in Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, Ohio, South Carolina, South Dakota, Texas, Utah and Wisconsin.
      Fees and interest rates vary by state, with some states charging an origination fee. You can learn more about your state’s specific rates on Rise Credit’s website.

      I hope this helps.

      Cheers,
      Danielle

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