Financial advisor helping client
Trusted Since 2014 · NMLS Licensed · BBB A+

Rise Up Lending —
Get $1,000–
$5,000
for Your Goals

Personal loans, business capital & debt consolidation. Instant approval decision — no impact to your credit score to check eligibility.

Pre-Qualify Free — 60 Seconds → How It Works
Soft inquiry only — zero score impact
Decision in under 60 seconds — 24/7
NMLS Licensed · FDIC Insured partners
180,000+ borrowers funded nationwide
Payment Estimator
$5K
Max
8.9%
From APR
60s
Apply
Loan Amount
$15,000
36-Month Plan · 18.9% APR
Est. Monthly
$542/mo
Soft inquiry only · No credit impact
Apply Now — Free · No Credit Impact

Check Your Rate in 60 Seconds

Soft inquiry only — zero score impact. Real rate, real terms, no surprises.

🔒 256-bit SSL · Soft inquiry only · BBB A+ Accredited · NMLS #XXXXXXX

$2.4B+
Total Funded
180K+
Borrowers Served
4.8 ★
Average Rating
1 Day
Avg. Funding Speed
As Featured In
Forbes NerdWallet CNBC Bankrate Business Insider LendingTree
Our Products

Six Ways to Rise Up

Every loan product designed around your actual goals — not a one-size-fits-all formula.

↗
Personal Loans
$1,000 – $5,000
From 8.9% APR · 1-day funding
 ↗
Business Loans
$5,000 – $5,000
From 9.5% APR · Revenue-based
 ↗
Debt Consolidation
$1,000 – $5,000
Save avg. $3,200 · One payment
 ↗
Home Equity
$10,000 – $250,000
From 6.5% APR · Up to 85% LTV
 ↗
Education Loans
$2,000 – $80,000
No FAFSA · Any program
 ↗
Emergency Loans
$500 – $15,000
Score 520+ · Same-day decision
Payment Calculator

See Your Monthly Payment Now

Adjust the sliders to estimate your payment. Soft inquiry only — zero score impact to apply.

$15,000
$1,000$5,000
36 months
12 mo84 mo
680
520 (Fair)850 (Excellent)
Estimated Monthly Payment
$489
36 months · 18.9% APR
Loan Amount $15,000
Estimated APR 18.9%
Total Interest $2,598
Total Repayment $17,598
Apply for This Rate →

Representative estimate. Actual rate based on credit profile.

Personal loan application process
8.9%
APR From
Personal Loans

Funds for any purpose.

Fixed-rate personal loans with no collateral required, no prepayment penalties, and funds deposited as fast as the next business day.

  • Loan amounts from $200 to $5,000
  • Fixed APR from 8.9% to 35.99%
  • Terms 12, 24, 36, 48, or 60 months
  • No origination fees for qualified borrowers
  • Minimum credit score: 560 FICO
$5K
Max Loan
1 Day
Funding
560+
Min. Score
Apply for a Personal Loan →
Business Loans

Capital to grow faster.

Revenue-based underwriting means your sales history matters more than your credit score alone. Former commercial bankers review every application.

  • Business loans from $5,000 to $5,000
  • APR from 9.5% to 32.9%
  • Minimum 6 months in business
  • Bank statements welcome — no complex financials
  • Funding in 1–3 business days
$500K
Max Loan
48hr
Avg. Decision
580+
Min. Score
Apply for a Business Loan →
Business owner reviewing expansion plans
$500K
Max Loan
Debt consolidation loan planning
$3,200
Avg. Saved
Debt Consolidation

One payment. Lower rate.

Combine multiple high-interest credit cards into one fixed monthly payment at a lower rate — and know your exact payoff date from day one.

  • Consolidate up to $5,000 in debt
  • Average savings of $3,200 in interest
  • APR from 8.9% to 27.9%
  • Terms 24 to 84 months
Consolidate My Debt →
More Products

More Ways to Rise Up

Home equity loan
From 6.5% APR
Home Equity

Unlock Your Home's Value

Up to 85% LTV · $10K–$250K · Fixed rates from 6.5% APR.

Apply Now →
Education loan
No FAFSA Required
Education

Invest in Your Future

$2K–$80K · Bootcamp, trade, or university · Deferral available.

Apply Now →
Emergency loan
Same-Day Decision
⚡ Emergency

When Every Hour Counts

$500–$15K · Score 520+ · Medical bills, car repairs, urgent costs.

Apply Now →
Use Cases

What Will You Use It For?

Our borrowers use Rise Up Lending for life's biggest moments — and its unexpected ones.

🏠
Home Improvement
Renovation, repairs, additions
Up to $5K →
🏥
Medical Bills
Surgery, dental, vision, ER
Same-day available →
💍
Wedding
Venue, catering, honeymoon
From $3K →
🚗
Auto Repair
Engine, transmission, body work
Fast funding →
💳
Credit Card Payoff
Cut APR, one payment
Save avg. $3,200 →
✈️
Travel
Family trips, dream vacation
From $1K →
🎓
Education
Bootcamp, trade, university
No FAFSA needed →
⚡
Any Purpose
No restrictions on use
Apply free →
Simple Process

Funded in 3 Steps

From first click to funded in as little as one business day.

01

Apply Online

5-minute form. Soft credit check only — zero score impact.

5 minutes
02

Review Your Offer

Real rate & terms in minutes. A CFP® advisor reviews every application — no obligation.

Minutes
03

Get Funded

Accept your offer and receive funds direct to your bank typically within one business day.

1 business day
Start My Application →

No credit impact · Free to apply · 256-bit SSL

Rise Up Lending financial advisors
Why Rise Up Lending

We see the full picture — not just a score.

Traditional lenders see one number. We evaluate income, stability, employment history, and purpose — finding the rate you actually deserve.

⚖️

NMLS Licensed

48 states. Full federal and state compliance.

🏆

BBB A+ Rated

Accredited since 2016. Verified transparency.

🔒

SOC 2 Certified

Bank-grade 256-bit SSL encryption.

Elena Vasquez, CFP® AFC®
Chief Lending Officer · "Our underwriting considers the full financial picture — not just a credit score. That's what responsible lending looks like."
Our Advisors

Real People. Real Expertise.

Every application reviewed by a certified financial professional — never just an algorithm.

Elena Vasquez CFP
CFP® · AFC®
Elena Vasquez
Chief Lending Officer

15 years in consumer lending. Former VP at Wells Fargo. Specializes in fair-credit borrower advocacy and underwriting reform.

David Harmon business lending
20 Yrs Experience
David Harmon
Head of Business Credit

Former SVP Commercial Lending at JPMorgan Chase. Built Rise Up's revenue-based underwriting model from the ground up in 2016.

Sarah Reynolds NFCC counselor
NFCC Certified
Sarah Reynolds
Debt Relief Specialist

NFCC-certified counselor with 11 years helping families eliminate debt. Has guided 4,200+ borrowers through consolidation programs.

Real Reviews

What Our Borrowers Say

4.8
★★★★★
12,483 verified reviews
"
★★★★★

"Rise Up Lending approved me when three banks said no. The rate was fair, the process transparent, and money arrived next day. I consolidated $18,000 in credit card debt and cut my payments nearly in half."

MR
Marcus R.
Debt Consolidation · Atlanta, GA
"
★★★★★

"I needed $25,000 to expand my food truck. Rise Up's business team actually read my revenue history and approved in 48 hours. Six months later I have a second truck and double the revenue."

JT
Jessica T.
Business Loan · Phoenix, AZ
"
★★★★★

"My credit score was 591 and I needed emergency funds for a medical bill. Rise Up Lending had a real human walk me through my options and funded same day. No other lender offered that."

DK
Diana K.
Emergency Loan · Chicago, IL
Read All 12,483 Reviews →
Transparent Pricing

Today's Loan Rates

Representative APRs for qualified borrowers. Soft inquiry only — zero score impact.

Your actual APR depends on creditworthiness, loan amount, and term. All fees disclosed upfront before you commit.

ProductAPR RangeLoan AmountTermMin. ScoreSpeed
Personal Loans8.9% – 35.99%$1,000 – $5,00012–60 mo560+1 day
Business Loans9.5% – 32.9%$5,000 – $5,0006–84 mo580+1–3 days
Debt Consolidation8.9% – 27.9%$1,000 – $5,00024–84 mo560+1 day
Home Equity6.5% – 18.9% Lowest$10,000 – $250,00060–360 mo620+3–7 days
Education Loans9.9% – 25.9%$2,000 – $80,00024–120 mo560+2–3 days
Emergency Loans12.9% – 35.99%$500 – $15,0003–36 mo520+Same day
The Difference

Rise Up vs. Traditional Lenders

FeatureRise Up LendingTraditional BankPayday Lender
APR Range8.9% – 35.99%10% – 36%200% – 400%+
Min. Credit Score520+660+Any
Approval SpeedMinutesDays – WeeksMinutes
Funding Speed1 Business Day3–7 DaysSame Day
Prepayment PenaltyNone ✓SometimesOften
Origination Fee$0 for qualified1%–5%High flat fee
Human AdvisorCFP® & NFCC ✓LimitedNone ✗
Know Your Score

What Can Your Credit Score Get You?

Rise Up Lending works with scores as low as 520. Here's what to expect at each tier.

800+
Exceptional
Best rates from 8.9% APR · Max amounts · Fastest approval
740
Very Good
Rates from 10.9% APR · Up to $5,000
670
Good
Rates from 15.9% APR · Up to $35,000
580
Fair
Rates from 22.9% APR · Up to $15,000
520
Building Credit
Emergency loans · Up to $5,000 · Building tier
Check My Rate Free →
How We Evaluate You
📊
Credit Score
One factor — not the only factor
35% weight
💼
Income & Employment
Stability matters most
30% weight
📉
Debt-to-Income
Monthly cash flow review
20% weight
🎯
Loan Purpose
Context helps your case
15% weight
💡 Pro tip: Even with a 580 score, strong income and low DTI can get you approved at competitive rates.
Common Questions

Frequently Asked Questions

Everything you need to know. View all FAQs →

Rise Up Lending accepts scores from 520 (emergency loans) and 560 for personal loans. Home equity requires 620+. We evaluate your full financial picture — income, employment history, and debt-to-income ratio.
Most borrowers receive funds within 1 business day of final approval. Emergency loans may fund same day. Business loans and home equity typically fund within 1–7 business days.
Pre-qualifying uses a soft inquiry — NO impact on your score. A hard inquiry is only done when you formally accept a loan offer.
Zero prepayment penalties ever. Origination fees are $0 for most qualified borrowers. All fees disclosed upfront before you commit.
Yes. Licensed direct lender since 2014, NMLS #XXXXXXX, BBB A+ accredited, SOC 2 Type II certified. Licensed in 48 states. 256-bit SSL encryption protects all data.
View All 50+ FAQs →
Learning Center

Financial Guides & Resources

All Articles →
Personal loan 580 credit
Personal Loans

Can You Get a Personal Loan with a 580 Credit Score?

Yes — here's exactly how to qualify, what rate to expect, and which lenders accept fair-credit borrowers.

Elena Vasquez, CFP®·8 min
Read Article →
Debt consolidation vs bankruptcy
Debt Consolidation

Debt Consolidation vs. Bankruptcy: Which Is Right for You?

A detailed comparison — costs, credit impact, timeline, and what lenders consider afterward.

David Harmon·12 min
Read Article →
Improve credit score fast
Credit Score

How to Improve Your Credit Score Fast — 7 Proven Steps

Strategies that work in 30–90 days, from NFCC-certified financial counselors.

Sarah Reynolds, NFCC·10 min
Read Article →
Coverage

Licensed in 48 States

Rise Up Lending is a licensed direct lender in nearly every U.S. state. Full license list →

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWisconsinWyoming

Ready to Rise Up?Apply in 60 seconds — free.

No credit impact. No hidden fees. A real human reviews your application and finds the best rate you qualify for.

Check My Rate — Free →

Soft inquiry only · 256-bit SSL · BBB A+ Accredited

⚡

Decision in 60 Seconds

Our advisors work fast — no waiting days.

🔒

Bank-Grade Security

256-bit SSL. SOC 2 Type II certified.

👤

CFP® Certified Advisors

Real professionals review every application.