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RISE is offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account and email address. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.


The qualification to use our service is very flexible. The only conditions you need to meet are that you must be over 24 and a resident of the United States with a permanent address, have a regular income and hold a checking account

Applying won’t Affect Your Credit Score!

As of this writing, Rise online loans were available to residents of the following states: AL, CA, DE, GA, ID, IL, KS, MS, MO, NM, ND, OH, SC, TX, UT, and WI.

In order to qualify for a Rise Credit loan, you must be at least 18 years of age with a job or other proven source of income. You’ll also need to have an active/valid checking account, a working phone number, and an email address.

According to the FAQ on their website, “RISE is not available to applicants listed as Covered Borrowers in the Military Lending Act database, including qualifying active duty service members and their dependents as defined in 32 C.F.R. § 232.”

Taken together, Rise’s eligibility guidelines—along with the rates you’ll pay—are based on an “assessment of what you can afford, your application information and credit history, and the loan amounts and terms offered in your state.” Let’s continue this discussion in the next section.