What does RISE offer in Georgia?
RISE offers personal installment loans in Georgia and focuses on helping applicants who don’t have perfect credit get access to the money they need for emergency expenses.
- Borrow from $3,100 to $5,000
- The loan will have a 59.8% interest rate
- Five-day risk-free guarantee means If you decide you don't need the money, you can repay the principal within five business days and you won’t pay any fees.
You can apply for a RISE installment loan in Georgia online. Once your application is approved, you could have the money in your account within one business day.*
What about payday loans in Georgia?
Outside of Georgia, when you’re in a pinch and need money quickly, you may turn to an online or storefront payday lender.
Payday loans are generally illegal in Georgia and there are no payday lenders in the state. This could be a good thing for residents, as borrowers sometimes get stuck in payday loan debt cycles for months.
However, Georgians who have a poor credit score or no credit may have trouble qualifying for a loan.
RISE goes beyond lending and could help your long-term finances
An installment loan from RISE could be a good option if you need to borrow money quickly to pay for an emergency expense. We also want to improve borrowers’ understanding and practices around money.
We’ve created a financial wellness program with videos and guides to credit and budgeting, and answers to frequently asked money-related questions.
Additionally, RISE will report your monthly payments to Experian and TransUnion. Your on-time payments can then help you build a good credit history and may improve your credit scores over time.
RISE also gives you free access to Credit Score Plus, which you can use to check a TransUnion credit score, monitor your score over time, and get alerts if you there are changes to your TransUnion credit report.
Frequently Asked Questions
What are the requirements for a Georgia installment loan?
To qualify for a RISE online loan in Georgia, you must be at least 18 years old, have a valid Social Security number, an active checking account, a consistent source of income, and be a Georgia resident. Our installment loans are structured to meet state guidelines, ensuring clear and fair terms. This helps determine your eligible loan amount and ensures a smooth loan approval process.
Are RISE loans the same as payday loans?
No, RISE loans are not payday loans. A RISE personal loan in Georgia offers fixed repayment schedules with manageable monthly payments, unlike payday loans, which require full repayment by your next paycheck. Our unsecured loans provide a more flexible, long-term solution, offering a structured loan offer that lets you plan your cash flow effectively.
Can I apply for a RISE loan anywhere in Georgia?
Absolutely! Whether you live in Atlanta, Savannah, Augusta, or any other part of the state, every Georgia resident can apply for our emergency loan. Our online application process is designed to accommodate all loan options available for Georgia residents, ensuring you receive the appropriate loan amount based on your financial profile regardless of your location.
How quickly can I receive funds with a RISE loan in Georgia?
Most approved applications submitted before our daily cutoff are funded as early as the next business day. This means you can receive the cash you need quickly—ideal for emergency situations. The speed of loan decision ensures that the loan amount you request is processed rapidly, giving you access to cash without delay.
Can I repay my RISE loan early?
Yes, RISE supports early repayment. Paying off your Georgia personal loan ahead of schedule can reduce the total interest you owe and lower your scheduled payment obligations. There are no prepayment penalties, so you can adjust your loan amount over time and save money by shortening your loan term.
Are RISE loans available outside of Georgia?
RISE loans are available in several states; however, the terms and conditions, including the loan amount and payment structures, may vary by region. If you’re a Georgia resident, you benefit from loan options specifically tailored to state regulations. For details on availability in other states, please check our State Licenses and Disclosures page.
Is it possible to apply for a RISE loan in Georgia at any time?
Yes! RISE loans are accessible online 24/7. As a Georgia resident, you can submit your application whenever it suits you—whether early in the morning or late at night. Our secure online platform ensures that your emergency loan application is quick and convenient, helping you get the cash you need with prompt loan approval.
How does an installment loan differ from a short-term loan or a line of credit in Georgia?
RISE installment loans provide you with a lump sum that is repaid in fixed monthly or bi-weekly installments over a predetermined term. This contrasts with short-term loans, which often require repayment within a few weeks, or lines of credit that allow you to borrow up to a limit as needed. Many Georgia residents choose installment loans because they offer predictable monthly payments and a clear loan offer, making it easier to manage the loan amount for one-time expenses.
Will a RISE installment loan impact my credit score?
Yes, RISE reports your payment activity to major credit bureaus. Consistently making on-time payments on your Georgia personal loan can help build a positive credit history. However, missing or late payments may negatively affect your credit score, which could impact future loan offers and the available loan amount.
What should I do if I miss a payment on my Georgia RISE loan?
If you anticipate missing a payment, contact RISE immediately. We understand that circumstances can change unexpectedly and may work with you to adjust your loan options. However, missing payments could result in additional fees, negatively impact your credit score, and affect your overall loan approval process and loan offer.
