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4 loans like RISE Credit

Avoid excessive fees with these personal loan and cash advance providers.

RISE Credit is an installment loan provider offering loans between $2,250 and $5,000, depending on your state. It offers free access to Credit Score Plus, which lets you check your TransUnion credit score and provides credit monitoring alerts. Depending on your state, you can choose from various repayment schedules to match your cash flow.

However, interest rates can be as high as 299%, depending on your state and credit history. Approval also hinges on minimum income requirements that vary by state.

But if you want to borrow varying amounts of cash without the excessively high fees, these loans, like RISE Credit, may come in handy.

Our 4 top picks for apps and loans like RISE Credit

Alternative for large loans: OneMain Financial

OneMain Financial personal loans

3.4 / 5 ★★★★★

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OneMain Financial generally offers access to loans ranging from $1,500 to $20,000 — much higher than RISE Credit's max of $5,000. And its interest rates are capped at 35.99%, lower than with RISE. If you have a bank-issued debit card in the SpeedFunds network, you can get your money within one hour after closing or up to two business days with a different bank account.

Applying online takes just a few minutes, or you can visit one of its approximately 1,400 branches if you'd rather speak with someone face to face. But unlike RISE Credit, OneMain Financial charges origination fees as either flat fees from $25 to $500 or percentage-based fees up to 10%, depending on your state.

  • Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont
* OneMain Disclosures:

Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.

Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
  • APR is capped at 35.99%
  • Easy application process
  • Physical branches
  • Loan minimums and maximums may vary by state
  • Late payment fees can be as high as $30 or a percentage of the monthly payment up to 15%
  • Origination fees can reach $500 or 10% of loan amount
Loan amount$1,500 to $20,000
APR18% to 35.99%
Interest Rate TypeFixed
Min. credit scoreNot specified
Turnaround TimeAs soon as one hour
Maximum Loan Term5 years
Minimum Loan Term2 years

Alternative for loan comparison network: Fiona personal loans

Fiona personal loans

4.2 / 5 ★★★★★

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If you seek installment loans like RISE Credit but want more options, you can try Fiona personal loans. You apply online and within minutes, and Fiona recommends loans from its network. Interest rates on these loans can be as low as 5.4%, depending on your credit, income and other factors. That's a steep dive from the RISE Credit minimum APRs, which can hover around 60%.

But keep in mind Fiona doesn't offer loans directly. It recommends loans from other companies based on your details, such as loan amount and credit score. Carefully examine the terms and conditions of the lenders it recommends and then apply through those companies. And despite a high general score on Trustpilot, some users complain about receiving several spam calls and emails after getting matched.

  • Available in all states
  • Multiple choices after completing one application
  • Easy application process
  • Interest rates can be as low as 5.4%
  • Mixed customer reviews
  • Interest rates and amounts vary depending on what Fiona recommends
Loan amount$1,000 to $100,000
APR5.40% to 35.99%
Interest Rate TypeFixed
Min. credit scorePoor
Turnaround TimeVaries by lender
Maximum Loan Term12 years
Minimum Loan Term0.33 years

Alternative for varying credit scoring methods: Upstart Personal Loans

Upstart personal loans

4.2 / 5 ★★★★★

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Upstart offers personal loans ranging from $1,000 to $50,000. It caps interest rates at 35.99% and can be as low as 7.8%, depending on factors like your credit history and income.

But unlike other lenders, including RISE Credit, Upstart's scoring model also factors in your education and employment. Upstart claims to offer rates 36% lower as opposed to a traditional rating model. If approved, you can expect your funds within one business day. Upstart also has a five-star rating on Trustpilot. But origination fees can peak at 12%.

  • Not available in: Iowa, West Virginia
  • Low starting interest rates
  • Education is a factor in Upstart's credit eligibility model
  • Significant amount of positive customer reviews
  • Origination fees can be high
Loan amount$1,000 to $50,000
APR7.80% to 35.99%
Interest Rate TypeFixed
Min. credit score300
Turnaround TimeAs soon as 24 hours
Maximum Loan Term5 years
Minimum Loan Term3 years

Alternative for zero interest: MoneyLion

MoneyLion Instacash advances

4.5 / 5 ★★★★★

MoneyLion Instacash advances offer up to $500, much lower than RISE Credit. But MoneyLion doesn't charge interest on cash advances. The amount you can borrow depends on factors like income, recurring deposits to your linked checking account and number of timely repayments. However, income doesn't need to come from an employer, meaning government benefits count. Instacash hits your account within five business days, so it may take a bit longer to get your cash than with RISE Credit. But you can pay a fee ranging from $1.99 to $8.99 to receive it instantly.

Instacash is one of various MoneyLion services. You can access up to $700 in Instacash advances with a Credit Builder Plus membership for Free (or $1 to $5 for RoarMoney account) a month. With a RoarMoney bank account and recurring direct deposits, you may access up to $1,000. But be aware that the Consumer Financial Protection Bureau (CFPB) has sued MoneyLion for overcharging service members, and MoneyLion is not accredited by the Better Business Bureau (BBB).

  • Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
  • No credit check required for Insta cash
  • Zero interest on instacash
  • Various sources of income can grant eligibility
  • Access to larger advances requires signing up for additional products with high fees
  • Sued by the CFPB
  • Not accredited by the BBB
Loan amountUp to $500 or $1,000 with RoarMoney account
Loan TermDue by your next pay date
Turnaround timeUp to 5 days or instant for a fee of $0.49 to $8.99

How does RISE Credit compare?

RISE Credit may suit you if you need large loan amounts and have bad credit, but you’d need to stomach high fees. Other providers that offer installment loans may offer varying cash amounts with lower fees.


  • Free access to credit score and credit monitoring services
  • Fast funding
  • No origination fees


  • Interest rates as high as 299%
  • Low maximum loan amount
  • Not available in all states

Compare quick options for larger loans

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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by


Javier Simon is a freelance finance writer at Finder and a certified educator in personal finance (CEPF). He’s featured on NerdWallet, Bankrate, Yahoo Finance and Fox Business, where he’s shared his expertise on personal finance topics, such as investing, retirement planning, taxes, budgeting and savings. He has also covered breaking news, such as student loan forgiveness initiatives, the housing market and inflation’s impact on consumers’ wallets. His passion is turning complex financial concepts into actionable content that can help people improve their financial lives. Javier holds a bachelor’s degree in multimedia journalism from SUNY Plattsburgh. See full bio

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