Rise Credit offers installment loans up to $5,000 with flexible repayment options ranging from 4 to 24 months. They cater to individuals with no minimum credit score required, making their loans accessible to those with poor or limited credit history. They provide a risk-free trial period and offer free access to credit scores, which can help borrowers monitor their credit health. Approval is quick, and funds can be available as soon as the next day. However, the APR can be high, which is common with subprime loans, making the cost of borrowing expensive. Availability is limited based on state regulations, and late payments can negatively affect your credit score as they report to credit bureaus. Borrowers should carefully consider the terms and ensure they can meet the repayment schedule before accepting a loan from Rise Credit to avoid potential financial strain.