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RISE is an online lender that offers $2,600 to $5,000 installment loans to Californians. You don’t need a perfect credit score or high income to qualify. Apply and get approved in minutes, and you could receive cash in your account within one business day*.

Borrow $2,600 to $5,000 with California loans from RISE

In California, RISE offers installment loans with the following features:


  • You can borrow $2,600 to $5,000
  • Repay the loan over 11 to 26 months
  • Your annual percentage rate (APR) will range from 60% to 225%.
  • A five-day risk-free guarantee lets you return the principal balance within five business days from the date of origination without paying any interest or fees.
  • No application or pre-payment penalties

Your eligibility and loan offer will depend on several factors, including your credit, income, and history of repaying loans.


Different ways to get money when you’re in a pinch

While those who don’t have great credit or high incomes may have fewer options to choose from during an emergency, California cash loans can come from a variety of sources.


Here’s an overview of several financial products you could use, along with a few pros and cons to each:

  • Credit card. A credit card may be a good option at times, but you can’t always pay bills using your credit card. Also, your credit limit may not be high enough to meet your needs. Once you do have credit card debt, you may wind up revolving the debt for years unless you create a plan for paying off the balance.
  • Credit card cash advance. You can quickly take out cash with your credit card, but you may have to pay a cash advance fee and interest on the balance. You also may have a cash advance limit that’s equal to or lower than your card’s credit limit.
  • Title loan. It can be easy to get a title loan, and you may be able to quickly borrow a lot of money. But your vehicle’s value can determine how much you can borrow, and your vehicle will secure the loan. If you can’t afford your loan payments, the lender may be able to take your vehicle.
  • Payday loans. A payday loan can get you quick cash without a credit check, but the loans may have high interest rates and leave borrowers stuck in a debt cycle.
  • Installment loans. Installment loans let you borrow money with a predetermined periodic payment. You’ll know when you’ll pay off the debt, and how much you’ll pay overall. However, installment loans may not have a low interest rate, and some loans could have a prepayment penalty.


Credit cards and credit card cash advances may charge the lowest interest among the options for low-credit borrowers. However, you may not have a high enough credit limit to meet your needs, or you might not want to be stuck paying off a revolving credit line.


Other borrowing options include pawn shops, although pawn shop loans tend to be expensive and you risk losing your items. You also might be able to borrow money from friends or family, although that can strain relationships.


Why an installment loan?

Unsecured installment loans, also called personal loans, could be less expensive than other options. You also don’t have to put up collateral.


With a title loan, you risk losing your vehicle. Storefront and online payday loans in California may be an option, and the Department of Business Oversight does regulate their use, but they may be more expensive than a RISE California installment loan.


For example, payday loans in California can’t be for more than $300 and lenders can charge a 15-percent fee, which would be $45 on a $300 check. The fee is taken out of your loan, so you’d only receive $255. On a two-week loan, that’s the equivalent of paying 390% APR.


RISE California installment loans allow customers to borrow $2,600 to $5,000 and have an APR from 60% to 225%. There’s no fee to apply and see what rate you’ll receive, and  there’s no pre-payment penalty for paying the loan off ahead of schedule.


RISE also has helpful personal finance tools and resources

While lending is the core of our business at RISE, it’s not the only thing we offer.


We’ve also created and are consistently expanding a library of financial wellness resources and tools.


You can learn about credit scores and reporting, find tips for saving money, or check the personal finance glossary to look up a straightforward explanation of financial terms and acronyms.


We also report borrowers’ payments to TransUnion, which could help borrowers who make on-time payments build a good credit history and increase their credit scores.


As a RISE customer, you can watch your progress with Credit Score Plus, a free app that you can use to track one of your TransUnion credit scores. You’ll also receive alerts from TransUnion when new information gets added to your credit report.