RISE

What RISE does

RISE, founded in 2012 and headquartered in Fort Worth, Texas, is an online lending platform that offers personal installment loans ranging from $500 to $5,000 to U.S. consumers with less-than-perfect credit. The company runs a direct-to-consumer, fully digital application process accessible through risecredit.com, with credit decisions returned within minutes and funds deposited to the borrower's checking account as soon as the next business day. RISE reports cumulative loan originations of more than $5.3 billion across more than twelve years of operation, and operates as a private company with 11–50 employees based on disclosed headcount ranges.

The platform is funded through chartered bank partners — Capital Community Bank and FinWise Bank — which hold the lending license, underwrite applications, approve and fund the loans, while RISE handles marketing, customer acquisition, and loan servicing. RISE's product surface comprises a core RISE Personal Loan product plus specialized verticals (Cash Loans, Medical Loans, Emergency Loans, Debt Consolidation, Auto Repair Financing, Renovation Loans, Bad Credit Loans, and Installment Loans), and a free add-on service called Credit Score Plus that delivers TransUnion VantageScore monitoring and alerts. Key product features include soft-credit eligibility checks that do not affect FICO, a 5-Day Risk-Free Guarantee allowing principal-only rescission, no prepayment penalties, flexible payment scheduling, and credit-bureau reporting of payment history.

Revenue is generated primarily through interest charges and fees on installment loans, with rates and terms customized to each borrower. The go-to-market is product-led: an educational blog, free credit-monitoring tooling, and SEO capture organic top-of-funnel demand; the soft-credit eligibility check is the conversion lever into the application flow. The company is available in most U.S. states (subject to state-by-state availability), and carries an estimated 4.4 out of 5 Trustpilot rating across roughly 3,700–5,500 reviews.

Name

RISE

Legal name

RISE

Website

https://risecredit.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

RISE is an online lending platform offering $500–$5,000 installment loans to U.S. consumers with less-than-perfect credit, underwritten and funded through bank partners Capital Community Bank and FinWise Bank.

Ownership category

akta.pro rank

Product category

Online Consumer Installment Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Online installment loans
• Consumer lending services
• Subprime credit financing
• Bad credit loans
• Personal loan platform

Headquarters

HQ city

Fort Worth

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Personnel, Operations, Technology or R&D, Others

Revenue model

1. Personal Installment Loans: RISE offers personal installment loans ranging from $500 to $5,000 with fixed repayment terms. Revenue is generated through interest charges and fees on these loans. Loans are structured with fixed monthly payments over a set period. The company partners with Capital Community Bank and FinWise Bank who underwrite, approve, and fund the loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

RISE provides online personal installment loans ranging from $500 to $5,000 to consumers with less-than-perfect credit, delivered through a fully digital application with rapid approval decisions and next-business-day funding. Loans are underwritten, approved, and funded by partner banks Capital Community Bank and FinWise Bank, while RISE manages the customer experience, marketing, and servicing, including a free Credit Score Plus monitoring service and on-time payment reporting to credit bureaus.

Product overview

RISE is an online lending platform offering personal installment loans ranging from $500 to $5,000 primarily serving borrowers with less-than-perfect credit. The core product is the RISE Personal Loan, supported by a suite of specialized loan products including Cash Loans, Medical Loans, Emergency Loans, Debt Consolidation Loans, Auto Repair Financing, and Renovation Loans. Additional offerings include the Credit Score Plus service for free credit monitoring. The company operates through bank partners (Capital Community Bank and FinWise Bank) and emphasizes fast online applications with next-day funding, flexible repayment terms, and a 5-day risk-free guarantee.

Differentiator

Problem solved

Functional benefit

Brands

• Credit Score Plus: Free credit score monitoring service offered to RISE customers, providing access to TransUnion VantageScore and credit monitoring alerts.

Products and services

• RISE Personal Installment Loans Online personal installment loans ranging from $500 to $5,000 with fixed monthly payments, for individual borrowers with less-than-perfect credit who have been declined by traditional banks. Repayment terms are flexible, decisions are typically provided within minutes, and funds can be deposited to a checking account as soon as the next business day when approved before 6 p.m. ET. Underwritten, approved, and funded by Capital Community Bank or FinWise Bank in states where RISE partners with banks.
• Credit Score Plus Free credit score monitoring and alerts service using TransUnion VantageScore, providing customers with free access to credit checks and credit monitoring alerts as part of the RISE platform.
• $500 to $1,000 Personal Loans (sub-prime tier) Small personal installment loans of $500 to $1,000 for borrowers with fair-to-poor credit scores in the 500–600 range who have been turned down by traditional lenders.
• $5,000 Personal Loans Larger $5,000 personal installment loans for significant unexpected expenses such as car repairs, home repairs, or medical bills.

Quantifiable outcome

• Over $5.3 billion in loans originated
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• OppFi: OppFi (operates OppLoans) provides direct-to-consumer installment loans to subprime borrowers online, mirroring RISE's core product, target customer, and bank-partner origination model. One of the closest direct competitors in the online subprime installment lending space.
• Possible Finance: Possible Finance offers small-dollar installment loans to subprime borrowers via a mobile app, with a similar focus on credit-building and transparent terms. Comparable in target market and loan size profile to RISE.
• LendUp: LendUp provides online installment loans and a credit-building ladder aimed at subprime consumers who are bankless or underbanked. Direct overlap with RISE on customer segment and digital delivery, though currently a smaller originator.
• CashNetUSA: CashNetUSA, owned by Enova International, offers online installment and payday loan products to subprime and credit-challenged consumers. Closely comparable on product set, customer profile, and online direct-to-consumer distribution.

Broad incumbents

• OneMain Financial: OneMain is a large, established personal installment lender serving near-prime and subprime borrowers across the U.S. with both online and branch channels. It addresses the same credit-challenged customer that RISE serves, but at materially larger scale and broader product set.
• LendingClub: LendingClub offers online personal installment loans through a bank-partner model to a broad consumer base. Overlaps RISE on digital origination, fixed-term installment structure, and reliance on partner bank balance sheet, though it targets a more prime customer.

Emerging players

• Upstart: Upstart is an AI-driven lending marketplace that originates personal loans including to borrowers with thin or non-prime credit. Comparable on the online, technology-led underwriting of personal installment loans, though its customer mix skews more prime than RISE's.
• Prosper Marketplace: Prosper operates an online personal loan marketplace with bank-partner origination, serving borrowers across the credit spectrum. Comparable business model and product (fixed-term personal installment loans), though its positioning is broader and less subprime-focused than RISE.

Regional players

• Mariner Finance: Mariner Finance is a large installment lender specializing in personal loans to near- and subprime borrowers, primarily through a branch network. Comparable on product and customer segment, but its distribution is branch-heavy and concentrated in specific U.S. regions rather than purely online.

Others

• Even Financial: Even Financial operates a lending marketplace that routes consumer loan applicants to lender partners, including subprime personal loan providers. Adjacent rather than direct: it is a distribution channel that competes for the same borrower traffic that RISE captures through organic search and direct site visits.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/risecreditus
• Facebookfacebook.com/risecredit
• LinkedInlinkedin.com/company/rise_4

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RISE