Installment Loans for Dallas Borrowers
From Uptown to Oak Cliff, Dallas residents can apply for a RISE loan without visiting a storefront. You’ll complete the process online and get a clear view of your loan terms, payments, and total cost before accepting.
Trusted Lending Partners
RISEcredit.com partners with Capital Community Bank, Inc., and FinWise Bank, Member FDIC, to provide online installment loans in Texas.
Dallas loan details include:
- Borrow $500 to $5,000
- Fixed APRs from 99% to 199%
- Loan options based on creditworthiness
- Option to accept less than your full approved amount
Tools to Support Your Financial Journey
- Credit Score Plus: check and monitor your TransUnion credit score
- Budget planning tools: Keep your finances organized
- Glossary of terms: Build confidence by learning the basics
How RISE Compares to Other Options in Dallas
Not all loan options are created equal. A RISE installment loan is a high-cost credit product, but it may offer greater predictability and transparency than payday loans or overdraft fees.
Benefits include:
- No application, origination, or prepayment fees
- Clear terms and repayment plan
- Online process with potential next-day funding*
What to Know Before You Borrow
Before choosing a loan in Dallas, keep these considerations in mind:
- Speed: RISE offers online applications with fast decisions
- Flexibility: Borrow between $500 and $5,000 based on your needs
- Transparency: View the full APR and total repayment before committing
- Support: RISE reports to TransUnion and Experian, helping you build credit
Financial Education for Dallas Residents
We’ve partnered with Capital Community Bank to offer Dallas residents access to free financial education tools through our Financial Education Center.
Frequently Asked Questions – Dallas, TX
What are the qualifications for a Dallas installment loan?
To apply for a RISE loan in Dallas, you must be at least 18 years old, live in Texas, have a steady income, a valid Social Security number, and an active checking account. RISE installment loans are designed to comply with Texas lending regulations.
Are RISE loans payday loans?
No. RISE installment loans are not the same as payday loans. Payday loans often require full repayment by your next paycheck, while RISE loans are repaid over time with fixed payments, making them a more manageable option for Dallas borrowers.
Can I apply for a RISE loan from anywhere in Dallas?
Yes. Whether you’re in Oak Lawn, Deep Ellum, South Dallas, or a nearby area like Garland or Irving, you can apply for a RISE loan online. All you need is internet access and a few minutes to complete the process.
How fast can I get funds with a RISE loan in Dallas?
Most approved applications submitted before 6 p.m. ET/5 p.m. CT are funded the next business day.* This means you can address urgent financial needs—like home repairs or medical bills—without delay.
Can I pay off my RISE loan early?
Yes. RISE supports early repayment with no prepayment fees. Paying off your loan ahead of schedule can help reduce the total interest you pay.
Are RISE loans available outside Dallas, Texas?
Yes. RISE installment loans are available in other states as well, with terms that vary by location. If you're in Texas, your loan will be structured in compliance with state guidelines. Visit our Loans by State page to explore other areas.
Can I apply for a RISE loan in Dallas at any time?
Yes. The application portal is available 24/7, so Dallas residents can apply at a time that works best for them—whether during the day or after hours.
How is an installment loan different from a short-term loan or line of credit in Dallas?
An installment loan provides a one-time lump sum with a fixed repayment schedule. Payday loans are due in full quickly, and credit lines allow revolving borrowing. Installment loans offer predictability and structure, which many Dallas borrowers prefer.
Will a RISE installment loan affect my credit score?
Yes. RISE reports payment history to TransUnion and Experian. On-time payments may help build or improve your credit score. However, late or missed payments could negatively impact your credit.
What happens if I miss a payment on my Dallas RISE loan?
If you think you may miss a payment, contact RISE as soon as possible. We understand that financial setbacks can happen and will work with you to explore options.