OppLoans vs Rise Credit: APR, Fees & Winner

Feature	OppLoans	Rise Credit	Winner
Loan Amount	$500–$5,000	$500–$5,000	Tie
APR Range	99%–195%	60%–299%	OppLoans (lower max APR)
Repayment Terms	9–18 months	4–26 months	Rise (more flexibility)
Minimum Credit Score	None	None	Tie
Same-Day Funding	Yes	Yes (ACH, next day typical)	Near tie
Origination Fee	$0	$0 (most states)	Tie
Late Fee	$0	$0 (most states)	Tie
Credit Bureau Reporting	All 3 bureaus	Experian & TransUnion only	OppLoans (reports to Equifax too)
Rate Reduction Over Time	No	Yes (Rate Rise program)	Rise (rewards loyalty)
TurnUp Program	Yes	No	OppLoans
States Available	38 states	25 states	OppLoans (broader reach)
BBB Rating	A+	A	OppLoans

Choose OppLoans if:

You live in one of the 13+ states Rise Credit doesn't serve
Credit-building is a priority — OppLoans reports to all 3 bureaus, Rise only reports to 2
You want the TurnUp Program to automatically check for cheaper options
You want the lender with the lower APR ceiling (195% vs Rise's 299%)
You prefer a shorter term (9 months vs Rise's 4-month minimum)

Choose Rise Credit if:

You plan to be a repeat borrower — Rise's Rate Rise program lowers your APR over time
You want more term flexibility (Rise goes up to 26 months)
You live in a state Rise serves but OppLoans doesn't
Rise offers you a lower APR than OppLoans in your state

Our Recommendation

For most borrowers comparing these two lenders directly, OppLoans is the better default choice: it serves more states, reports to more credit bureaus, has a lower APR ceiling, and includes the TurnUp Program. Rise Credit is worth considering for long-term repeat borrowers who will benefit from the Rate Rise APR reduction program.

OppLoans vs Rise Credit for Bad Credit Borrowers 2026: Head-to-Head Comparison

Choose OppLoans if:

Choose Rise Credit if:

Our Recommendation

Check Your OppLoans Rate Today