From application to funding — a step-by-step guide to the Rise Credit loan process.
Rise's online application takes minutes. Most applicants receive a decision instantly and funds as soon as the next business day.
Visit risecredit.com and complete the secure application in about 5 minutes. You'll provide your name, address, income, and Social Security number. This step uses a soft credit pull that does not affect your score.
Rise's automated system reviews your application in minutes. You'll see any loan offers you qualify for, including the loan amount, APR, monthly payment, and total repayment amount.
Carefully review all terms before signing electronically. This triggers a hard credit pull. Remember: you have 5 business days to return the funds if you change your mind.
Applications approved before 6 PM ET on a business day are typically funded the next business day via ACH transfer to your checking account.
Rise operates in 30 states. You cannot apply if you live in AR, CA, CO, CT, IL, IA, ME, MD, MA, NH, NJ, NM, NY, ND, PA, RI, SD, VT, WA, or WV.
Check Your State →No stated minimum score. Most approved borrowers have scores in the 550–630 range. Rise also evaluates income, existing debt, and repayment history.
Bad Credit Guide →