“Can a direct-to-consumer digital installment lender profitably serve non-prime borrowers at scale through bank partnership origination models?”
Rise Credit is a US-based consumer installment lender that originates personal loans primarily to underserved and non-prime borrowers. The company operates through a bank partnership model, leveraging Capital Community Bank and FinWise Bank as sponsor banks to originate loans on its behalf across multiple states. Rise Credit has focused on building a direct-to-consumer digital lending platform, handling underwriting and servicing while the partner banks provide the lending license infrastructure.
Rise Credit discloses Capital Community Bank and FinWise Bank as its sponsor banks, according to the Embedded Finance Index 2026.
Rise Credit does not disclose a bank charter of its own; its banking services are provided through Capital Community Bank and FinWise Bank.
The Embedded Finance Index 2026 maps 2 layers in Rise Credit's stack: Lending (Consumer installment loans); Sponsor bank (Capital Community Bank and FinWise Bank).
Rise Credit is headquartered in United States.
Get a read on where your own stack stands against Rise Credit and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.