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Security Center

 

The Security of Your Information is our Priority

 

Here are just a few ways we go the extra mile to make sure you feel safe on RISE. 
 
  • We ensure your information remains confidential with secure data transmissions.
   
  • We use 128-bit Transport Layer Security (TLS) encryption to transmit all information.
  
  • We have virus protection to detect and prevent viruses from attacking our network.
  
  • Our firewalls help block unauthorized access by individuals or networks.

        

 

What You Can Do

 

Always remember to use caution when sending information online.
         
  
  • BEWARE OF PHISHING. Remember that RISE will never ask for personal information such as passwords and account numbers through email. Please Contact Us immediately if you notice anything suspicious.
 
  • USE A CURRENT VERSION OF MICROSOFT INTERNET EXPLORER, FIREFOX OR CHROME. These browsers support the latest encryption and will help ensure your connection is secure. Make sure you update your browser to the latest version regularly.
  
 
  • CHOOSE PASSWORDS THAT ARE DIFFICULT TO GUESS (not personal info like birthdates or pet names).  Don’t write them down in places where others can find them. It is strongly recommended that you use a unique password for all of your internet accounts.
  
  • SECURE YOUR COMPUTER BY USING ANTIVIRUS AND FIREWALL SOFTWARE. And keep your operating system current by installing the latest security patches. (See links below for more info on protecting your PC.)
 
 
  • REGULAR EMAIL IS NOT SECURE. Make sure to send confidential account information through the Contact Us form on our site.
 
  • CHECK YOUR CREDIT REPORT AT LEAST ONCE A YEAR to make sure there’s no unauthorized activity. Visit Financial Wellness for information on how to obtain a free credit report.
 

  

 

Want To Learn More?

 

Check out these links for even more great tips on how to protect your personal information and prevent identity theft:

FTC Tips on Computer Security

http://www.consumer.ftc.gov/topics/computer-security

FTC Identity Theft Information
http://www.consumer.ftc.gov/features/feature-0014-identity-theft/
Microsoft Security Home Page (for Windows users)

http://www.microsoft.com/security/

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4150 International Plaza, Suite 300 Fort Worth, TX 76109

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* Applications processed and approved before 6pm ET are typically funded the next business day. RISE is offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account and email address. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.

In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.

** Customers in good standing may qualify for a reduction in annual percentage rate ("APR"). Installment Loan Customers: In order to be eligible, you must continue to meet RISE's credit criteria, and we will evaluate the stability of your personal information and identity for each new loan.  If eligibility requirements are met and you make 24 successful, on-time monthly payments (48 bi-weekly payments), the APR for your next loan will be 50% off your original loan's APR (excluding customers with starting rates of less than 75%). Additionally, if you continue to meet eligibility requirements and you make 36 successful, on-time monthly payments (72 bi-weekly payments), you will qualify for a 36% APR for your next loan.  Note that it may take two or more loans to reach 36% APR.  (In Mississippi, if you make 24 monthly payments (48 bi-weekly payments), the monthly handling charge for your next loan will be 50% off (excluding customers with starting rates of less than 75%).  And, if you make 36 monthly payments (72 bi-weekly payments), you qualify for a monthly handling charge of 3% for your next loan with RISE.  Note that it may take two or more loans to reach a 3% monthly handling charge.) This does not apply to Line of Credit customers.

Important Disclosures:

Notice to Texas and Ohio Customers: In Texas and Ohio, RISE is a Credit Services Organization/Credit Access Business operating in accordance with each state’s applicable Credit Services Organization Act. In Ohio, RISE Credit Service of Ohio, LLC d/b/a RISE is licensed by the Department of Commerce, Division of Financial Institutions Certificate No. CS.900086.000. In Texas, RISE Credit Service of Texas, LLC d/b/a RISE is licensed by the Office of the Consumer Credit Commissioner, License No. 16507-62536. RISE is not the lender or a fiduciary of the lender.

Application approvals and the amount of any credit for which you may be approved are subject to minimum income requirements and vary by state.

This is an expensive form of credit. RISE is designed to help you meet your borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing will result in additional charges.  We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the Rates & Terms. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. Because we report your payment history to one or more credit bureaus, late or non-payment of your debt may negatively impact your credit rating. If you fail to repay in accordance with your terms, we may place or sell your debt with a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. Be sure you fully understand the terms and conditions of your credit before signing your agreement.

The most common RISE loan in the state of California is $2,600 with 32 bi-weekly payments of $241.44 (last payment may vary), and an APR of 224.35%.

The foregoing is an example only — credit amounts, repayment terms and applicable charges vary by state and are governed by the agreement you sign and relevant state law. Please see Rates & Terms for more details.