Rise Credit Available States (2026)

What to Do If Rise Credit Isn't in Your State

Why Rise Credit Availability Varies So Much by State

Personal lending in the United States is regulated primarily at the state level — not federally. Each state writes its own rules about maximum allowable APR, licensing requirements, loan disclosure standards, and even the size of loans a non-bank lender can originate. That patchwork is the reason Rise Credit can offer a $2,500 loan at 175% APR in Mississippi but cannot lend at all in nearby Arkansas.

Three structural factors determine whether Rise lends in a given state:

• State APR caps — Several states (including New York at 25%, Pennsylvania at 24%, Connecticut at 36%, and Massachusetts at 23%) impose hard ceilings on consumer loan interest rates that fall well below Rise's required spread to underwrite subprime borrowers profitably.
• Lender licensing rules — Some states require non-bank lenders to obtain a state-specific consumer lender license, which can take months to acquire and cost tens of thousands of dollars per state. Rise has prioritized licensing in higher-population states with permissive rate structures.
• Bank partnership eligibility — In states like Texas and Ohio, Rise lends through partnership with FinWise Bank or Capital Community Bank. The bank-partnership model is legal but actively challenged in some states (notably Colorado and Maine), which has pushed Rise to exit those markets.

State-by-State APR Examples

Rise Credit's published APR ranges show wide variation by state. Below are representative examples we observed in publicly available state disclosures as of June 2026. Rise Credit may update its published rates at any time — these figures should be used for directional comparison only. Always verify your actual offered rate during pre-qualification before signing.

Rise Credit Texas Residency & Requirements

Texas is one of Rise Credit's largest origination states, and it has specific rules residents should know about. To qualify in Texas, you must satisfy these Rise Credit Texas residency requirements:

• Texas state residency — Verified via a current Texas driver's license, state-issued ID, or utility bill. PO boxes are not accepted as proof of residence.
• Texas-based bank account — Account must be in your name with a US-based financial institution. Rise typically requires at least 60 days of account history.
• Texas income source — Either W-2 employment or verifiable self-employment income deposited into your bank account. Minimum income varies but generally falls between $2,200 and $2,800 monthly.
• Texas Office of Consumer Credit Commissioner (OCCC) compliance — Loans originate through FinWise Bank (a federally chartered partner) and must follow OCCC disclosure rules.

Texas residents typically receive loan offers between $500 and $5,000 with APRs in the 118% to 249% range. Borrowers in major Texas metros (Houston, Dallas, San Antonio, Austin, Fort Worth) generally see the highest approval rates because Rise has more pricing data for those areas. The minimum loan term in Texas is 9 months — Rise will not offer Texas borrowers anything shorter, which is a state-specific consumer protection rule.

Why Rise Credit Cannot Lend in Major States

Several large states are conspicuously absent from Rise's lending footprint. Here's why:

• California — California's Fair Access to Credit Act of 2020 (see CA AB-539) capped APR on most consumer loans at 36%, making Rise's economics unworkable. Major competitors like OppLoans also withdrew from California for the same reason.
• New York — New York criminal usury statute (per NY Penal Law § 190.40) caps lending at 25% APR (or 16% for certain loans). Non-compliant loans are legally unenforceable, so Rise will not lend there.
• Illinois — The Illinois Predatory Loan Prevention Act of 2021 (the PLPA caps APR at 36%) imposes a 36% APR ceiling, joining California, New York, and several other states.
• Massachusetts — Massachusetts caps small loan APRs at 23%, well below Rise's required spread.
• Pennsylvania — Pennsylvania's small loan act caps consumer lending at roughly 24% APR for loans under $25,000.
• Colorado — Colorado passed legislation in 2023 explicitly targeting bank-partnership rent-a-charter lending; Rise withdrew shortly after.

If you live in any of these states and need a small-dollar emergency loan, you'll generally need to look at credit-union loans, cash-advance apps like Dave or EarnIn, or local nonprofit lenders. The high-APR installment loan market simply does not legally exist in these states.