Rates, fees, representative examples, and important lending disclosures.
Last updated: June 2026
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Rise Credit offers installment loans from $200 to $5,000. Annual Percentage Rates (APR) range from approximately 60% to 299% and vary by state, loan amount, term, and your creditworthiness. Your exact APR and payment schedule are disclosed in your loan agreement before you accept.
The following is an illustrative example only and does not represent an offer of credit. Actual terms vary.
There is no application fee and no prepayment penalty. Other fees, such as late or returned-payment fees, may apply where permitted by law and will be disclosed in your loan agreement.
You can pay off your loan early at any time with no additional charge. Paying early reduces the total interest you pay over the life of the loan.
An installment loan is an expensive form of credit and is designed to meet short-term borrowing needs, not as a long-term financial solution. Before borrowing, consider alternatives such as savings, a loan from a bank or credit union, a payment plan, a credit card, or help from family or friends.
Products, rates, and terms are available only in states where permitted by law and may differ by state. The options shown to you depend on your state of residence.
Checking your rate uses a soft credit inquiry that does not affect your credit score. A hard inquiry, which may affect your score, occurs only if you accept a loan offer and proceed with a full application.
We may report your loan and payment activity to one or more major credit bureaus. On-time payments may help build your credit; missed or late payments may harm it.
This is an expensive form of credit. Rise Credit installment loans are designed to help meet short-term borrowing needs and are not intended to be a long-term financial solution. APR ranges from approximately 60% to 299% and varies by state and creditworthiness. Loan amounts range from $200 to $5,000; minimum and maximum amounts vary by state and are subject to minimum income requirements.
To obtain credit, you must apply online and have a valid checking account and email address. Approval and the amount for which you may be approved vary by state. Rates and terms are customized to each consumer based on credit, income, repayment history, and other factors. Complete disclosures of APR, fees, and payment terms are provided within your loan agreement.
Questions about our rates, fees, or disclosures can be directed to our support team at [email protected].
Have a question about these terms? The fastest way to see your options is to check your rate.
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