"I have taken out some short term loans in the past, and my experience with RISE Credit was absolutely fantastic. I was immediately able to submit everything needed online using their secure website, and I did not experience a single problem. Overall, my experience with RISE Credit has been exceptional."
"So easy, fast, and really helped out in a stressful time! I would recommend this to anyone who has felt betrayed by the financial system. We all work hard and deserve someone to be in our side!"
"My credit score is not what it should be but RISE gave me the opportunity to pay off some lingering debts and keep tabs on my credit score. RISE trusted me enough to grant me a larger loan than anyone else would and offered financial tips and tools. Thank you RISE!"
"RISE has given me a wonderful opportunity to start rebuilding my credit. The process has been incredibly easy and fast. I get reminders of when my payment will be taken from my account so I can always make sure I have the money in there and I couldn't say enough good things about it."
"This was, by far, the fastest and most hassle-free loan process I have ever experienced! From application to funding, I was amazed at the ease and speed with which my request was handled. I definitely would recommend RISE to anyone interested in getting help to consolidate debt and improve their credit score."
You’re not alone in this. Did you know 50% of Americans don’t have $2,000 saved for an emergency1? We’re here to help hard working people take the steps they need to get in control of their finances and keep making progress.
1 The National Bureau of Economic Research, “Financially Fragile Households: Evidence and Implications,” May 2011
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.
Nobody can dramatically change their financial situation overnight, but RISE can help Americans look forward to a stronger financial future.
Honesty and being upfront is what we’re all about. That’s why we want you to know RISE is not the cheapest form of credit. However, RISE is often a better, more responsible alternative to more expensive options like overdraft fees, payday loans, late fees and utility reconnection fees.
The APR of RISE loans ranges from 36% to 365% depending on the customer's state of residence and approval rate. We encourage all customers to pay back their loan as soon as possible to lower the overall cost with no fees or penalties for early repayment. We even give everyone five days to change their mind about their loan at no cost.
We want to help our customers with the cash they need today, and work with them as they build a better financial future. How? We offer Free Credit Score Plus so our customers can know where they stand and provide smart savings and spending tips and tools. All to get borrowers back on track to lower priced credit. That may sound like common sense, but most other loan products don't work like that. Which means RISE isn’t just a smarter way to borrow. RISE is changing the way people can borrow money and get back on track.
2 Bankrate.com, "National credit card rates", http://www.bankrate.com/finance/credit-cards/rate-roundup.aspx. Fixed-rate credit card average APR is 13.02% as of April 23, 2015.
3 Discover.com, "How to Avoid Common Credit Card Fees," https://www.discover.com/credit-cards/resources/interest-and-aprs/credit-card-fees. Cash advance fees range from 21.99% to 24.99% or higher.
4 Typical Payday loan APR is 663.43%. This is based on Texas-originated loans with 14-day terms facilitated by Credit Service Organizations/Credit Access Businesses such as CashNet USA® ($550 is 664.30%), ChecknGo® ($500 is 661.75%) and Check Into Cash® ($500 is 664.25%) as of April 23, 2015.
5 The majority of debit card overdraft fees are incurred on transactions of $24 or less and are repaid within three days. Put in lending terms, if a consumer borrowed $24 for three days and paid the median overdraft fee of $34, such a loan would carry a 17,000 percent annual percentage rate (APR). “CFPB Finds Small Debt Purchases Lead to Expensive Overdraft Charges”, http://www.consumerfinance.gov/newsroom/cfpb-finds-small-debit-purchases-lead-to-expensive-overdraft-charges.