Borrow what you need when you need it with a RISEcredit.com installment loan. 

What is an installment loan? 

An installment loan is a cash loan that you pay back with a fixed number of regular, equal payments over a set period. Types of installment loans include mortgages, auto loans, student loans and personal loans. Many borrowers find it quicker and easier to get an installment loan online than in person at a traditional bank or credit union. 


What makes RISE installment loans different?

An online installment loan from RISE can get you the funds you need fast — without ever setting foot in a bank. Here’s what makes RISE different:


Borrow on-Your Own Terms

Borrow on Your Own Terms

Our flexible terms let you choose a payment schedule that works best for you.

 State restrictions apply to payment schedule options.

5-Day Risk-Free Guarantee

Change your mind? No problem! You have five days to return the principal without paying any additional fees.

Free Credit Score Plus

Instantly Check Your Credit Score for Free

Get free access to your credit score plus free credit monitoring alerts with Credit Score Plus!


The advantages of online installment loans.

For those without access to lower-cost credit products, RISE is a better way to borrow. We want to help our customers with the cash they need today, and work with them as they build a better financial future. That’s the RISE difference. 





RISE Installment LoanPayday Loan 

5-day risk-free guarantee.     


Flexible payment scheduling lets you choose your own terms.



Payments reported to a major credit bureau, enabling customers to demonstrate positive financial behavior.



 † State restrictions apply to payment schedule options 






What are some common ways people use a RISE loan?


Customer reviews

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See how easy it is to apply for an online installment loan from RISE 

Step #1: Start your installment loan application

Don’t worry, you have five business days from the time you take your loan. If you decide that the loan isn’t right for you, simply call us, repay the principal and there will be no fees.

Step #2: Get your approval decision in minutes*

Once approved, you choose how much you want to borrow (depending on your approval amount and state of residence). Our flexible payment options let you choose your own terms. You can even pay your loan off early with no extra fees — whatever works best for you. 

Step #3: Receive your money

Your funds will show up in your checking account shortly — often as soon as the next business day!*  Or, if you prefer, you can request a paper check. If you choose a paper check, please allow 7-10 days for delivery via the USPS.



FAQs about online installment loans

Many online lenders now offer installment loans to borrowers with less-than-ideal credit. In general, installment loans are a more flexible and affordable option than payday loans. However, lenders who offer loans to borrowers with imperfect credit may charge additional fees, penalties and/or higher interest rates, so make sure to read the fine print before you apply.

Installment loans typically have fixed interest rates and a set end date. Terms vary by lender. At RISEcredit.com, we offer loans from $500 to $5,000 for up to 36 months. Your interest rate is based on our assessment of what you can afford, your application information, your credit history and the amounts and terms offered in your state.

Applying for a loan means that lenders will be checking out your credit score and credit history. Checking your rate at RISEcredit.com will result in a soft inquiry on your credit report. Soft inquiries do not affect your credit score. Completing your loan application results in a hard inquiry on your credit report and may affect your overall credit score.**

In general, higher credit scores will yield offers with better rates, but there are still installment loans available for people with less than perfect credit. Before you apply for a new loan, make sure to consider your needs, compare your options and read the fine print of any loan offer before signing on the dotted line.

When you begin comparing installment loan options, also check your credit score. Once you know your score, research your options to determine what loans are available for borrowers in your credit range. Many online lenders now make it easy for you to get a quote without any impact to your credit score. It’s also a good idea to see if there are any loans within your desired range that you prequalify for. Though prequalification is not a guarantee that you’ll be approved for a loan, it does mean you have a good chance of approval. Finally, when comparing all your options, pay close attention to repayment terms, costs and any additional fees, such as prepayment penalties. The loan you choose should meet your immediate financial needs while still offering terms that are reasonable for your situation and budget.

Why RISEcredit.com online installment loans

Why choose an online installment loan from RISEcredit.com? Because when life throws you a curveball like an unplanned medical expense, urgent car repair or essential upgrade for your home, an online installment loan from RISE can help get you over the financial hump. RISE loans offer a risk-free guarantee, flexible loan terms, no prepayment penalty fees and the opportunity to improve your credit when you consistently make your payments on time. Apply online for a RISE loan today and get your approval decision ASAP.