Your Questions, Answered.

Rise Up Lending accepts scores from 520 (emergency loans) and 560+ for personal and consolidation loans. Business loans require 580+, home equity 620+. We evaluate income, employment stability, and debt-to-income ratio alongside your score — not just a number.

Yes. Self-employed borrowers qualify using 3–6 months of bank statements in lieu of pay stubs. We require a minimum of $2,000/month in verifiable income.

Yes, in many cases. Recent collections (within 12 months) may affect your rate. Older negative history is evaluated in context of your overall profile. Our advisors work with complex credit situations daily.

Minimum verifiable monthly income of $2,000 required. No maximum. DTI must generally be under 45% after the proposed loan payment.

APRs range from 6.5% (home equity) to 35.99% (emergency, lower credit). Personal loans start at 8.9% APR. Your exact rate depends on credit, loan amount, term, and income — disclosed before you commit.

Zero prepayment penalties on all loans — ever. Origination fees are $0 for most qualified borrowers. All fees disclosed in full before signing.

APR is based on credit score, loan amount, loan term, and debt-to-income ratio. Pre-qualifying gives you your actual rate with zero score impact.

Pre-qualification: under 5 minutes. Full application with documents: 15–20 minutes. Approval decisions: 60 seconds to 2 hours depending on loan type.

No. Pre-qualifying uses a soft inquiry — zero score impact. A hard inquiry only occurs with your explicit consent when you formally accept a loan offer.

Government-issued ID, SSN, and income verification (2 pay stubs or 3 months bank statements for self-employed). Home equity requires property documentation. We tell you exactly what's needed after initial application.

Personal loans: 1 business day. Emergency loans: same day for qualifying applicants. Business loans: 1–3 days. Home equity: 3–7 days.

Yes — with zero prepayment penalties on all Rise Up Lending products. Paying early saves you interest at no cost.

Contact us before missing a payment — our hardship team can discuss deferment or restructuring options. Standard late fees apply after a 15-day grace period. We report to all three credit bureaus monthly.