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RISE’s online loan application makes the process simple for borrowers who need money for an emergency. You can borrow $1,250 to $5,000, repay the loan over time, and will know your total cost and payment amounts upfront. Plus, with online funding, you could have the money in your account within one business day.*


RISE, an online-only lender, offers installment loans to borrowers who may have a hard time qualifying for a personal loan from a traditional lender.


But RISE does more than just help people access funds when they need an emergency loan. RISE may help borrowers improve their overall financial situation by offering financial education resources and reporting borrowers’ payments to one of the major credit bureaus.


Applying for RISE’s North Dakota Loans

You can apply for a RISE loan online, and RISE will generally tell you if you’re approved and what your loan’s terms will be within minutes. If you accept an offer, you could have the money in your account by the next business day.*


While RISE offers loans and lines of credit across the country, the loan terms can vary depending on where you live. The specific loan offer you receive can also depend on your credit, income, and whether you’ve previously repaid a RISE loan.


In North Dakota, your RISE installment loan could fall within the following ranges:


  • You can borrow $1,250 to $5,000
  • You can repay the loan over eight to 26 months
  • The loan may have a 60% to 299% APR.


You also have some flexibility with your loan. For example, even if you’re approved for $5,000, you don’t need to accept the full amount.


General benefits of a RISE loan

As with all its loans, RISE doesn’t charge an application or origination fee on its North Dakota loans. There also aren’t any prepayment penalties and repaying your loan early could help you save money. 


You’ll know exactly how long it will take to repay the loan before you receive the money, as well as your payment amounts and APR. If you decide to take out a loan and then change your mind, RISE has a five-day, risk-free guarantee. Meaning, you can return the money within five business days and won’t pay any fees.


Additionally, if you’re looking to improve your credit scores, taking out a RISE loan and making on-time payments could help. RISE reports borrowers’ payments to TransUnion, which could improve your credit scores based on your TransUnion credit report.


Better than a payday loan in North Dakota?

A RISE loan isn’t a cheap form of credit, but RISE focuses on loans for borrowers who may not qualify for low-rate loans from other lenders. Some of these borrowers may be considering a storefront or online payday loan in North Dakota—but consider RISE first.



RISE’s North   Dakota Loans

Payday   Loans in North Dakota**

Maximum   loan amount



Maximum   loan term

26 months

60 days

Maximum   APR



Application   or origination fees?


Lenders can charge a databasing fee

Prepayment   penalty



Reports   payments to at least one credit bureau?


Usually no

***For a 14-day, $100 payday loan with a 20-percent fee.


Learn more with RISE

In addition to offering loans, RISE is actively working to improve borrowers’ financial education and wellness. It has built and offers free tools and resources that you could use to learn more about managing debt, saving money, and building credit.


If you want to take an active role in tracking your credit, you can also sign up for RISE’s free Credit Score Plus which lets you check one of your TransUnion credit scores. The score is updated every 30 days, and the service also comes with free TransUnion credit monitoring.


Learn more about RISE’s loans and programs on the FAQ page, and about RISE’s loans in North Dakota by visiting the What it Costs page and selecting North Dakota.


If you’re ready to apply for a RISE loan, click below start your application.

**You can find a FAQ about payday loans in North Dakota on the North Dakota Department of Financial Institutions’s website https://www.nd.gov/dfi/about-dfi/non-depository/frequently-asked-questions-non-depository