• 147 Customer Reviews
  • 58% Recommend This Company
3.3 out of 5
5 star: 49% 4 star: 8% 3 star: 1% 2 star: 4% 1 star: 36%

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  • Please Don't Do This. HUGE MISTAKE. I give them -1/2 Star

    They put three charges on my debit card. The guy didn't know what he was doing. And after the supervisor confirmed that they made a mistake on their end, they still didn't reverse the charges right away. I called a 2nd time and when I was on hold for the supervisor, they picked up and hung up. Third time I called, I got someone who confirmed the three charges and had to submit a ticket for reversal. Over 700 dollars taken from me and it was all I had. I hope I never, ever need to do this again. It was a huge mistake to use this company. Try to borrow money from family or friends before doing this.

    Bottom Line: No, I would not recommend this to a friend


  • A total waste of time!

    At first it all seemed to be so promising! I applied and was approved and promised the funds the next day. Instead of the funds, I received an email from fraud department requesting proof documents. I happily sent the documents only to be informed that it would take three days to verify the information. Three business days that is. After 3 days, I checked the site and with customer service only to be informed that more information was needed. I resent the information by fax and by email.

    I was then told I would see a message online to re-sign the loan. 3 days later, I get the message and go online to update all information and sign the loan agreement only to have the process start all over again with a message from the fraud department requesting the SAME information I had already sent! Total waste of time, not to mention poor communication. I plan to report them for fraud.

    Bottom Line: No, I would not recommend this to a friend


  • False Advertising

    • By Kim,
    • Sacramento, CA,
    • Dec 17, 2015
    • Verified Reviewer

    I was told my loan was approved online after filling out an application. However, no funds have been sent within the next couple of days as they originally said they would. Then, I was sent an email the next day requesting for further information while letting me know that it was not approved. I sent all the information requested on the email. Then when I called to find out two days later about the funds, they wanted further personal information, that I did not receive a request for prior to calling.

    When I called Rise, I spoke with a Supervisor named Chad. He said they had sent out an email requesting this further personal information, that was not on the previous email. I looked through all the emails sent from Rise and that email that he was referring to was nowhere to found. This makes me a bit suspicious. He could not help me nor explain to me as to why my loan was not approved with all the information that was sent as requested.

    I feel this company is not legit. End result: I feel this company advertises it will approve you quickly and they give you that impression via their web site and mail advertising yet they don't provide that service. This I feel is false advertising. I would not recommend this company.

    Bottom Line: No, I would not recommend this to a friend


  • Ripped off

    • By Mayra,
    • Santa Paula, CA,
    • Feb 20, 2016
    • Verified Reviewer

    These people are not in the loan business, and they rip people off, with no shame. It's disgusting that they take advantage of people in need, and should be put out of business for stealing our hard earned money. I borrowed a loan of $3,000, and I have made 11 payments of $176.80 every two weeks, and ONLY $298.34 has gone down, and I still owe $2,700. Please don't use this company, it was the worse decision I have ever made.

    Bottom Line: No, I would not recommend this to a friend


  • My payoff isn't accepted!

    • By Sheila,
    • Alabama,
    • Mar 14, 2016
    • Verified Reviewer

    I opened this loan up in 2015 and have had it around 6 months. Now that I would like to pay this HIGH INTEREST RATE CARD OFF with my American Express Card, these people are saying they DO NOT ACCEPT American Express Card. I think this is very stupid and a way to continue to take people money and charge high interest rates! This needs to be re-evaluated because I'm tired of paying this loan. I appreciated the fact they were all there when I needed them, but if I can't pay this off how I see fit and legal, why would I recommend this company to someone else? Please I just want to pay this off, and maybe and just maybe I will use them again in the future!

    Bottom Line: No, I would not recommend this to a friend


  • Beware

    I am in a rather dire situation financially but this company is not the way out. Loan rates start at 100% and only go up. 100% means you would pay back double the loan if it took you a year and this is the best outcome you can expect because rates could go up to 500% I stopped the application mid way when they wanted my bank account numbers, before approving me for anything, and it felt untrustworthy to me.

    Since stopping the application, I have gotten 2 emails encouraging me to finish. I absolutely cannot trust this company at all to use any information I give them in any capacity.

    Bottom Line: No, I would not recommend this to a friend


  • False advertising

    Rise is advertising falsely. They are on Credit Karma and it clearly states that they don't base their decision off of you credit but your income. That's not true, it is all false.

    Bottom Line: No, I would not recommend this to a friend


  • Total Rip Off. Please Don't Do It.

    • By Joy Owens,
    • Phenix City, AL,
    • Jun 18, 2016
    • Verified Reviewer

    I got a ticket in the mail advising I was eligible to received up the 3500 from Rise. Now I had no idea at all that I would end up paying 10,000 back just for borrowing 3500. I have paid off the 3500 going on twice now and it still is telling me that I won't be done paying for the loan until 2017. This should be illegal and not allowed to be done to people who are just trying to make it. I literally pay 279.09 every two weeks which is 558.18 a month. If I paid this for a year it would pay off 3500. And then another 3000.00. Please if you can help it, don't accept, sign up for or agree to this loan if they send you an offer. It just will make you more in debt and cost more money.

    Bottom Line: No, I would not recommend this to a friend


  • Jumped through hoops for NOTHING.

    • By Anonymous,
    • Texas,
    • Jul 27, 2016
    • Verified Reviewer

    I applied for a loan through Rise. They advised they needed further information, sent me a link to enter my username and password to verify. Once they received all this information they indeed sent me another email from the fraud department and wanted to do a conference call with my bank. So, I called into Rise and let them contact my bank with me on the phone. My bank verified my account and routing number. Then they advised it would take up to 48 hours to verify that. SERIOUSLY?

    I'm so over them. I went to Lend Up and got approved in 10 seconds after submitting my information and the money was in my account the next day. Rise is full of it.

    Bottom Line: No, I would not recommend this to a friend


  • Don't apply

    • By Jason,
    • Temecula, CA,
    • Aug 13, 2016
    • Verified Reviewer

    I always get an error when trying to login. They didn't cancel my loan until a week later but still charged me the interest. Don't apply, it is not worth your time.

    Bottom Line: No, I would not recommend this to a friend


  • Total Scam. False Promise.

    • By RDG,
    • Chicago, IL,
    • Nov 4, 2016
    • Verified Reviewer

    I applied for a loan on 17th of October. Website said it is approved, but need to submit proof of income.

    I do that the same day. Next day I get an email asking me to submit proof of secondary income. OK, done that right away. 2 days go by, no reply and the website still says pending for proof of income. I called in, they said it has been approved and I should be able to accept the loan online.

    I told them I don't see it. So they tell me they are having a tech issue, and that they have escalated the process and will reach back to me when it is resolved. 2 days go by, nothing. I called in again, they give me the same dialogue, and then say that they will mark my application so that it does not expire on 27th as it is their fault.

    27th morning, I email them asking about the status of the application, they reply back saying my application has expired and that I should re-apply! Really? I called in and asked about what is going on here.

    The representative put me on hold for 10 minutes and then says: "I ran up and down to ask what we could do. The department which was supposed to inform the audit to mark the application from expiring was running behind, so by the time, the audit department got your application, it had already expired. Sorry, I know that we said we will resolve this, but now we cannot do anything. Please re apply!"

    This is just preposterous. There should be a way to take them to court for making false promises. Wasted my 10 days.

    Oh! and the rep told me that I shouldn't worry to reapply as it is soft inquiry only, which is completely false. They hit you hard. Beware! If someone wants to take them to court for false promise and false advertising, I am with them.

    Bottom Line: No, I would not recommend this to a friend

    • Nov 10, 2016

      Company Response from Rise

      Hi RDG,

      We regret to hear of your recent experience with RISE.

      We would like the opportunity to review your concerns with you and do additional research on this matter. Please send us an email at rise_spokesperson@risecredit.com.

      Thank you,

      RISE Credit


  • Worst decision of my life

    This company is insane, with 198 percent interest. How the heck is anyone ever supposed to pay this off? I am literally having to borrow money from everyone just to pay it off. I have paid about $1,500 in interest since August. I make payments for $234.00, and only $7 goes towards my actual loan. This has ruined my life, but I will be paying it off next week finally.

    DO NOT get a loan. I would rather be a stripper or go to any low but this one. I would sell all my belongings before getting this loan. Rip off! Is 198 percent interest even legal? If so, how? This company how endless complaints on BBB. I hate them, those guys are the devil. I bet they will be shut down sooner or later.

    Bottom Line: No, I would not recommend this to a friend

    • Jan 25, 2017

      Company Response from Rise

      We are so sorry to hear about your recent experience with RISE.

      RISE is designed to provide you with funds at the best possible price and only if other forms of credit are not available or are more expensive. Prior to accepting funds, we present the terms and conditions with the entire cost if you were to carry the loan full term. We also offer a five full business day rescind guarantee in case you decide that a RISE loan is not right for you. If you pay off your loan early, you will only pay interest and/or fees for the amount of time that your loan has been active.

      We would like the opportunity to review your concerns with you and research your experience in detail. Please send us an email at rise_spokesperson@risecredit.com so that we may better assist you.

      Sincerely,

      RISE Credit


  • Do not believe this company!

    • By Kevin Torrey,
    • New Braunfels, TX,
    • Mar 8, 2017
    • Verified Reviewer

    I have had a few loans with Rise Credit and I have received emails that I am eligible to refinance my current loan, which I took advantage of. They say that it is a soft credit check when in reality, it is a hard hit to your credit report. They say that they don't base your loan off of your credit, when in fact, they do.

    I have had a consumer alert on my credit files for years to be safe. When I got my initial loan and the last refinance, this had never been an issue. Now all of a sudden they can't refinance my loan because of that consumer alert. I have never missed a payment, and they obviously know how to contact me, yet they now say that their hands are tied.

    I applied last month and called in, and the gentleman that I spoke with, as well as his supervisor, stated that I needed to wait for my application to expire and then reapply. I asked them both numerous times if this would not affect my credit. They both stated that it would not. I reapplied today, and I was immediately alerted that they pulled my credit again.

    I will be paying off this loan and never do business with them again. Their customer service agents are not educated enough about their company's products to give accurate information. I asked for a supervisor today and was told there wasn't one available.

    This is a ridiculous way to run a business.

    Bottom Line: No, I would not recommend this to a friend

    • Mar 9, 2017

      Company Response from Rise

      Hi Kevin,

      We are sorry to hear of your recent experience. Please check your personal email for more information.

      Thank you,

      RISE Credit


  • Wish I could give it less than one star

    • By Joan,
    • South Carolina,
    • Apr 12, 2017
    • Verified Reviewer

    This is one of the worst companies I have ever worked with. Even if you are desperate, do not resort to a loan from them. I have only two payments left (which are quite high at almost $500 a month) and they will not work with me and give me two additional months to pay these two payments even though I was asking because my husband has become disabled and income is reduced. Believe me, they do not care! Awful customer service on the phone.

    Bottom Line: No, I would not recommend this to a friend

    • Apr 14, 2017

      Company Response from Rise

      Hi Joan,

      We are so sorry to hear about your recent experience with Rise Credit. We would like the opportunity to review your concerns with you and research your experience in detail. Please send us an email at rise_spokesperson@risecredit.com so we may better assist you.

      Sincerely, Rise Credit.


  • Don't do business with them!

    • By Marisa Orozco,
    • San Antonio, TX,
    • May 3, 2017
    • Verified Reviewer

    All I can say is that I borrowed $500.00 after seeing the reviews. At first, I thought the reviews were probably exaggerated. I just fully paid my account today when they pulled $171.00 out of my checking yesterday.

    I just spoke with them to check my balance, and they tell me with an attitude that I still owe $469.10. You mean to tell me in less than three weeks I have given away $140.00 to these people? Upon my initial application, they presented the interest in a whole different way.

    Needless to say, I won't ever do business with Rise Credit. They should not be allowed to rip off people with their BS lies! The rating should be a 0 instead of 1.

    Bottom Line: No, I would not recommend this to a friend

    • May 4, 2017

      Company Response from Rise

      Hi Marisa,

      We are so sorry to hear about your customer service experience and regret any misunderstanding regarding interest and fees.

      Rise is designed to provide you with funds at the best possible price and only if other forms of credit are not available or are more expensive. Before accepting funds, we present the terms and conditions with the entire cost if you were to carry the full loan term. We also offer a full five-business day rescind guarantee in case you decide that a Rise loan is not right for you. If you pay off your loan early, you will only pay interest and/or fees for the amount of time that your loan has been active.

      We would like the opportunity to review your concerns with you and research your experience in detail. Please send us an email at rise_spokesperson@risecredit.com so that we may better assist you.

      Sincerely, Rise Credit


  • Applying for a loan is a nightmare

    I tried today to apply for a loan. The process was tedious and mind blowing.

    First of all, the people in customer service I found to be not caring and condescending. I was told to fax some documentation in. I went to KINKO'S and paid $14.00. When I called Rise to check on my application, I was told my social security card and drivers license were too dark. What the heck, they want me to pay again to send it to them. I ask why it couldn't have been on their end, and of course they said that no, it's not our fault but yours. I could go on and on, but with companies such as this, what's the point? I've never heard of paying money to maybe getting told no anyway.

    Shame, shame, shame on Rise.

    Bottom Line: No, I would not recommend this to a friend

    • Jun 3, 2017

      Company Response from Rise

      Hi Michael,

      We appreciate you reaching out to us. We're sorry to hear about any misunderstanding. Please check your personal email for an important update.

      Sincerely,

      Rise Credit


  • Horrible customer service and verification dept.

    • By Tracy e.,
    • California,
    • Jun 10, 2017
    • Verified Reviewer

    I applied for a loan there and was emailed several times asking for the same exact information I had already sent over. They requested I send over my sensitive information like my bank statements with my account number, pay statements showing my full social, drivers license, and SSI. I had to send over the information at least five times, and they are still sending me emails requesting the same information.

    This company is either a scam or they retaliate against their potential customers for calling to check the app status. I would NEVER recommend or use this company. They deserve zero stars.

    Bottom Line: No, I would not recommend this to a friend

    • Jun 10, 2017

      Company Response from Rise

      Dear Tracye,

      We regret to hear of the inconvenience that you have experienced. We would like the opportunity to review your account to better assist you. Please reach out to us with the email address and name on the account to rise_spokesperson@risecredit.com.

      Thank you,

      Rise Credit


  • APR

    • By Sylvia,
    • Coralville, IA,
    • Jun 15, 2017
    • Verified Reviewer

    It's been seven months since I have the loan, but it looks like I just started. I pay $352 a month. I do not recommend this to anyone unless you are desperate and can't get a loan from a bank, or if you know that you will repay the full amount in a month or so.

    Bottom Line: No, I would not recommend this to a friend

    • Jun 16, 2017

      Company Response from Rise

      Sylvia,

      We regret to hear of your dissatisfaction with your Rise Credit Loan. We would be happy to review your account with you and all repayment terms. You may reach us by phone at 866-580-1226 or via email at rise_spokesperson@risecredit.com.

      Thank you,

      Rise Credit


  • Borrowed $2600, agreement was unclear, repay is $7800

    • By Ismael Azua,
    • Sacramento, CA,
    • Jun 16, 2017
    • Verified Reviewer

    People, stay away from Rise Credit, who is presently being sued for their super-high APR of 349%, because the contract is not the same as when explained over the phone. I borrowed $2600, and the repay is $7800. The person from the collection agency is David Toro. I definitely think it's loan sharking and you are taken advantage of when you're most vulnerable.

    Bottom Line: No, I would not recommend this to a friend

    • Jun 17, 2017

      Company Response from Rise

      We regret to hear of your dissatisfaction with Rise. Please contact us so we can discuss the details about your loan with you. We would love the opportunity to assist you in any way we can. You may reach us by phone at 866-580-1226 or via email at risespokesperson@risecredit.com.

      Thank you,

      Rise Credit


  • Not returning my calls about refinancing

    Over the past six weeks, I have not been treated with dignity and respect from this company. They state someone will call and assist you in 24 hours and it never happens. This all has to do with refinancing my loan.

    Bottom Line: No, I would not recommend this to a friend

    • Jun 17, 2017

      Company Response from Rise

      We regret to hear of your dissatisfaction with Rise. It is our goal to provide exemplary service to our customers. We would love the opportunity to assist you. You may reach us by phone at 866-580-1226 or via email at risespokesperson@risecredit.com.

      Thank you,

      Rise Credit


  • Nearly impossible to get a new loan, even thought the loan was paid in full months ahead

    A ticket was opened by the Rise Credit customer service representative with a three-day service level agreement. It has been a week now, and no one from Rise Credit can provide a specific date as to when the IT issue/ticket will be corrected so a new loan can be processed. Clearly, not a reliable source for a loan.

    Bottom Line: No, I would not recommend this to a friend

    • Jun 19, 2017

      Company Response from Rise

      Hi Francisco,

      I am sorry for your dissatisfaction with your Rise loan. Please call us at 866-580-1226, or email us at rise_spokesperson@risecredit.com. We welcome the opportunity to assist you.

      Sincerely, Rise Credit


  • Not recommended

    • By Jim Dacpano,
    • California,
    • Jun 21, 2017
    • Verified Reviewer

    A rip off would not recommend these loans to anyone. Way too high-interest rates comparable to a loan shark company not willing to work with the company to lower the interest rate. Anyone interested in doing these type of loans should really consider. Even if you're in a bad financial situation, you will put yourself in even worse position with these type of loans. I regret every day for taking this loan. I've been making payments all on time, but they are not showing up on my credit report.

    Bottom Line: No, I would not recommend this to a friend

    • Jul 17, 2017

      Company Response from Rise

      Hi Jim,

      We regret to hear of your dissatisfaction with your Rise loan. We are the first to say, that we are an expensive choice for a loan and we do recommend using Rise in times of emergency. We also recommend paying your loan off as soon as possible to save you on interest. Rise does report your credit and if we have made an error please write to us at [email protected] or give us a call as 866-580-1226 so that we may correct our mistake.

      Sincerely,

      Rise Credit


  • Terrible experience!

    • By Michael,
    • Houston, TX,
    • Aug 4, 2017
    • Verified Reviewer

    I had a terrible experience with Rise Credit! I recently switched jobs, and they refused to alter my pay schedule to assist with the change in my life. I received harassing phone calls several times a day. The money was easy to get, but the experience was horrible! Do yourself a favor and just avoid these people.

    Bottom Line: No, I would not recommend this to a friend

    • Aug 5, 2017

      Company Response from Rise

      Dear Michael,

      We sincerely regret to hear that you had a bad experience with us. We would like to rectify any bad experience you may have had. Rise recently released the ability to change your due dates. To see if you qualify please give us a call at 866-580-1226 or send us an email at rise_spokesperson@risecredit.com.

      Sincerely,

      Rise Credit


  • Make a good choice

    • By Mike Brown,
    • Los Angeles, CA,
    • Aug 21, 2017
    • Verified Reviewer

    For starters, Rise Credit will do exactly as said it will do. Give you money fairly quickly. The process of completing the application is a bit annoying, but no more so than many other lenders.

    The reason I rated it one star is the absurdly high interest rates. I borrowed $3,500 and was expected to repay $15,000. I repaid my loan earlier than full term but still paid around an $3,500 in interest before I was able to repay the loan.

    If you're in a pickle and need quick cash with the ability to repay quickly, then go for it. Any other circumstances this company should be avoided at all cost. This will damage your credit score greatly until it is paid and full. Additionally, the higher minimum payments will make it difficult to climb out of debt as you repay this loan.

    Bottom Line: No, I would not recommend this to a friend

    • Aug 21, 2017

      Company Response from Rise

      Dear Mike-

      Rise is designed to provide you with funds at the best possible price and only if other forms of credit are not available, or are more expensive. Prior to accepting funds, we present the terms and conditions with the entire cost if you were to carry the loan full term.

      We also offer a five full business day rescind guarantee in case you decide that a Rise loan is not right for you. If you pay off your loan early, you will only pay interest and/or fees for the amount of time that your loan has been active. If there are additional questions or concerns, please email us at rise_spokesperson@risecredit.com.

      Sincerely,

      Rise Credit


  • Mistake on interest rate

    • By Sherry Hoots,
    • Jacksonville, IL,
    • Aug 30, 2017
    • Verified Reviewer

    I applied for a third loan through Rise Credit. I paid off two loans, both early, and was promised to get a lower interest rate. So I reapplied and was approved, and the loan was funded, but the next day I received an email stating I was eligible for 50% off of my new loan and to call them. When I called I was told that it would be on my next loan, but when the representative looked into it, they saw that it should be on the current loan I have but they are not willing to fix the mistake.

    Bottom Line: No, I would not recommend this to a friend

    • Aug 30, 2017

      Company Response from Rise

      Hi Sherry,

      Thank you for reaching out to us. Please allow us some time to investigate the issue you are having. We will make further contact through your personal email.

      Thank you,

      Rise Credit


  • Loan

    I was approved for a loan through them. They got my account information, email "congratulations," email that the money is on the way, but I NEVER received the money. They got my account information and social security number. This is bad business. Now I have to go to the bank and close and reopen my account so I won't be in the negatives. They play games with people, and I should have read all the reviews before I did an application.

    Bottom Line: No, I would not recommend this to a friend

    • Sep 9, 2017

      Company Response from Rise

      We are so sorry to hear about the issue you are having with your account. Please allow some time for us to research, and we will get back with you when we have more information for you. You may reach out to us if you like at spokesperson@risecredit.com.

      Thank you,

      Rise Credit


  • Worst lending company ever!

    This company has the highest interest rate of any lending company I have ever dealt with. After I made my first payment, I borrowed the money to pay the loan off. When I went to pay it off, the payoff amount had increased by $38 just in 5 days. I would highly recommend you not do business with this company.

    Bottom Line: No, I would not recommend this to a friend

    • Nov 5, 2017

      Company Response from Rise

      We’re sorry to hear of your dissatisfaction with your Rise Credit loan. Rise is designed to provide you with funds at the best possible price if other forms of credit are not available or are more expensive. Rise fully discloses all interest and fees associated with your Rise Credit loan prior to signing the loan agreement. We provide a five-business-day rescission policy in the event that you decide Rise is not for you. We also advise you to pay your loan in full as quickly as possible to save on the interest. Please contact us at (866) 580-1226 or rise_spokesperson@risecredit.com if you have any further questions or if you need assistance.

      Thank you,

      Rise Credit


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