Rise Credit
“Can a direct-to-consumer digital installment lender profitably serve non-prime borrowers at scale through bank partnership origination models?”
HQUnited States
IndustryFintech / Lending
The story
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.
Last 12 months
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Product timeline
2024
Rise Credit updated its privacy notice (Rev. 02/2024), offering installment loans to consumers in multiple US states including Georgia.· lending
The stack
2 layers disclosed in Rise Credit’s embedded-finance stack
Lending
Consumer installment loans
Sponsor bank
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.