RISE Alternatives: Lenders Like RISE and What to Do If You Were Declined

If you are looking for alternatives to RISE, it helps to know where RISE sits first. RISE is an installment lender for $500 to $5,000 over 7 to 36 months, with APRs of about 60% to 299% as of October 2026, depending on your state. That is a wide, expensive range, and RISE is not the only lender serving borrowers in that bracket. Several other installment lenders compete for the same applicant, and if your credit or income can clear a higher bar, a handful of lenders cap their rate well below RISE’s ceiling. This guide walks through both groups and what to check if RISE turned you down.

What RISE offers, in one table

Amount	Term	APR range	Fees	States served	How it decides
$500–$5,000	7–36 months	About 60%–299%	No application fee, no origination fee, no prepayment penalty; late and returned-payment fees are disclosed only in the loan agreement	30 states	No published minimum credit score; RISE says it weighs what you can afford, your application, your credit history, and the amounts and terms offered in your state

Our full RISE review has the cost math and the rest of the details.

Lenders in the same bracket

These installment lenders target the same borrower RISE does — damaged or thin credit, triple-digit APRs — with their own mix of amounts, terms, and state coverage.

Lender	Amount	Term	APR range	States
CashNetUSA	$100–$3,000	2–12 months	About 199%–579%	13 states
Integra Credit	$500–$3,000	12–21 months	About 159%–249% (149%–399% in Utah)	24 states
NetCredit	$1,000–$10,000	12–60 months	About 34.99%–99.99%	Not available in 7 states and DC
OppLoans	$500–$5,000	9–18 months	About 129%–195%	Not available in 9 states
Personify Financial	$500–$15,000	12–48 months	About 36%–179.5%	27 states
Possible Finance	$50–$600	Fixed 2-month, four-payment schedule	About 136%–249%	34 states

CashNetUSA’s APR tops out well above RISE’s at 579% but its terms are shorter and its state footprint is the smallest of the group, 13 states. Integra Credit offers no prepayment penalty like RISE, but Utah borrowers see a separate, higher rate band. NetCredit is the one lender here with an APR ceiling under 100 percent, reports payment history to the credit bureaus, and charges no early-payoff penalty, though its line-of-credit product carries a separate 10% cash-advance fee per draw. OppLoans charges no origination fee or prepayment penalty and reports to the credit bureaus, but its loan amounts top out at $5,000 with shorter terms than RISE’s. Personify Financial goes up to $15,000 and offers monthly FICO Score access, but adds an origination fee of up to 5.99% to the balance and is only active in 27 states. Possible Finance caps loan size at a few hundred dollars with no late, penalty, rollover, or returned-payment fees, but its fixed 56-day schedule gives you less time to spread out repayment than RISE’s terms of up to 36 months. State availability is the first thing to check for any of them, since none of these lenders serves every state.

If you might qualify for less

Several personal-loan lenders in our catalog cap their APR at 35.99%, a fraction of RISE’s ceiling, if your income or credit history clears their bar. These lenders decline many of the people RISE and the lenders above accept, so a prequalification check (usually a soft inquiry) is worth doing before you count on one.

Lender	Published minimum credit score	APR range	Who it serves (per its own FAQ)
Avant	Around 580	9.95%–35.99%	Its typical approved borrower has a FICO score in the 600–700 range and income above $50,000
LendingPoint	No published hard minimum; third-party analyses put the practical minimum around 640	7.99%–35.99%	Weighs more than your FICO score alone; requires verifiable annual income of $35,000 or more
Mariner Finance	Not published	15.99%–35.99%	Reviews credit history, income, and existing debt payments; larger loans or lower rates may require a vehicle pledged as collateral
OneMain Financial	Not published	11.99%–35.99%	Approval depends on your overall credit history and income left after monthly expenses; approves some borrowers that score-driven lenders decline
Upstart	No fixed minimum; has approved applicants with scores as low as 300	6.3%–35.99%	Also weighs education, employment history, and income, not just credit score

If your credit or income might clear one of these bars, our Avant vs. RISE comparison lines up the numbers side by side.

If RISE declined you

Check the state first. RISE lends in only 30 states: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin, and Wyoming. A lender does not lend where it is not licensed, so residence outside that list is an automatic decline regardless of credit or income.

What RISE weighs. RISE’s own FAQ says it does not publish a minimum credit score and instead decides based on what it judges you can afford, your application, your credit history, and the amounts and terms offered in your state. It requires a valid checking account, a valid email address, and income above a minimum that varies by state and is not published. Submitting a complete application places a hard inquiry with Clarity Services, an alternative credit bureau, separate from a traditional FICO pull.

Lower-cost paths before you reapply elsewhere. A credit union’s Payday Alternative Loan (PAL) program, an employer pay advance, or local 211 emergency-assistance programs can cost far less than any lender in this bracket, including RISE. Our payday loan alternatives guide covers these options in more depth.

What the numbers actually mean. RISE’s own review example shows a $1,500 loan repaid monthly over 12 months: at 199% APR, the high end of its Texas and Florida rate pages, the monthly payment runs about $296, for a total repaid of about $3,548 — about $2,048 in interest on a $1,500 loan. At the lower end of RISE’s general range, 99%, the same loan totals about $2,420, or about $920 in interest. Either way, the interest can approach or exceed the amount borrowed within a year.

One request instead of seven applications

Comparing lenders one by one, as above, is the most direct way to see the numbers side by side. If you would rather start a loan request and see what the lending networks you consent to offer, that is a separate option, not a replacement for checking the alternatives above. A loan request is not an application with any lender, and submitting one does not promise an offer.

For more on the fees and patterns to check in this bracket generally, see our guide on bad-credit installment loans, and browse the full installment loans hub for more lender reviews and comparisons.

This is general information, not financial advice. Rates, amounts, and state availability change over time — confirm current figures with each lender before you apply.