Is Rise Up Lending Legit? — Honest 2025 Review

The Short Answer: Yes, Rise Up Lending Is Legitimate

Rise Up Lending, LLC holds active NMLS licenses in 48 states (NMLS #XXXXXXX). The company has a BBB A+ rating, SOC 2 Type II security certification, and 4.8/5 stars across 12,483 verified customer reviews. Here's the evidence behind each claim.

NMLS Licensing

The National Mortgage Licensing System (NMLS) is the definitive source for verifying lender legitimacy. Rise Up Lending's NMLS #XXXXXXX is verifiable at nmlsconsumeraccess.org. Active licenses in 48 states. Unlicensed in Iowa and West Virginia.

Red flag check: A legitimate lender will always disclose their NMLS ID. If a lender asks you to wire money or refuses to provide their NMLS number, stop immediately.

BBB Accreditation

Rise Up Lending has held BBB A+ accreditation since 2016 with zero unresolved complaints. The BBB's scoring considers complaint history, transparency, and business practices.

Rate Transparency Test

We tested Rise Up Lending's pre-qualification flow. Key findings: (1) Soft inquiry used for rate check — no score impact. (2) Exact APR disclosed before formal application. (3) All fees listed in loan agreement. (4) No prepayment penalty on any product.

The Verdict

Rise Up Lending passes every legitimacy check: NMLS licensed, BBB A+ rated, transparent pricing, strong security, and thousands of verified reviews. This is a real, regulated lender — not a scam.

Elena Vasquez, CFP®

Chief Lending Officer · Rise Up Lending

15 years in consumer finance. Former VP at Wells Fargo.

How to Verify Any Lender — Including Us

The lending industry has a serious fraud problem — scam operations routinely impersonate legitimate lenders. Here is how to verify any lender before sharing personal information:

1. Check NMLS. Every legitimate consumer lender must hold an NMLS license. Search at nmlsconsumeraccess.org using the company name or NMLS ID. Rise Up Lending NMLS #XXXXXXX will show active licenses across 48 states.

2. Verify the BBB listing. Look for accreditation and a rating of A or higher. Check review dates — a sudden flood of recent 5-star reviews can signal manipulation. Rise Up Lending holds A+ BBB accreditation since 2016.

3. Never pay upfront fees. Legitimate lenders never require fees before funding. If anyone asks for a "processing fee," "insurance payment," or "security deposit" before releasing your loan, it is a scam.

4. Confirm contact details independently. Look up the lender's phone number directly from their website — do not use a number provided in an unsolicited email or text. Call it and confirm the company before sharing any financial information.

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Personal loans from $200 to $5,000. Soft credit check only — no impact on your score to check your rate.

✓ Decision in 60 seconds

✓ Funds as fast as same day

✓ Rates from 8.9% APR

✓ No prepayment penalties

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