RISE Credit Installment Loans
RISE Credit offers installment loans from $500 to $5,000 for borrowers with bad credit, with approval in minutes and funds available the next business day.
Last checked on July 2, 2026. We may earn a commission when you click through.
RISE Credit provides a legitimate alternative to payday loans for borrowers with bad credit, but high APRs (60-199%+) make it expensive — use only for genuine emergencies.
RISE Credit Installment Loans
Updated 16 days agoAt a Glance
Representative APR
60.0–199.0%
Loan Amount
$500–$5,000
Term
4–26 mo
Decision
Next business day
About this loan
RISE Credit offers installment loans from $500 to $5,000 for borrowers with bad credit, with approval in minutes and funds available the next business day.
Our Verdict
RISE Credit provides a legitimate alternative to payday loans for borrowers with bad credit, but high APRs (60-199%+) make it expensive — use only for genuine emergencies.
Best For
Borrowers with bad credit who need emergency funds quickly and can't qualify for traditional personal loans.
Watch Out
APRs range from 60% to 199%+, which is extremely high. Only use this for true emergencies when no other option exists.
What Customers Say
Users appreciate fast funding and accessibility but frequently cite high interest rates as a major concern.
Expert Analysis
RISE Credit targets borrowers who can't access traditional personal loans due to poor credit. Loans range from $500 to $5,000 with repayment terms of 4 to 26 months, providing more breathing room than payday loans.
The application process is fast — approval can happen in minutes, and funds may be available the next business day. Requirements are straightforward: active bank account, regular income, valid ID, and age 18+.
However, the cost is the critical factor. APRs range from 60% to 199%+, dramatically higher than traditional personal loans (6-36% APR). This makes RISE appropriate only for genuine emergencies where the borrower has exhausted all other options.
RISE does report payments to credit bureaus, which can help rebuild credit over time. The company also offers an APR reduction program — rates decrease with each subsequent loan if previous ones were repaid on time.
Compared to OppLoans (59-199% APR) or NetCredit (34-155% APR), RISE's rates are similar. Availability varies by state, so RISE may be the only option in some markets.
You'll be redirected to risecredit.com
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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