Rise Credit helps people who might not qualify for traditional loans by offering quick and easy personal loans for emergencies like car repairs, medical bills, or travel related to work. They also provide free tools to help users build credit, manage debt, and budget better. If you get a loan from them, you might see bills or payments from Rise Credit as part of your loan repayment plan. The loans come with flexible payment options and fast funding, often the next business day after approval.
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The cancellation process is straightforward requiring a phone call within 5 business days to rescind the loan with no fees or interest charged. It may be slightly inconvenient to wait to reach support by phone but overall simple.
Estimated Time
On average, it takes
10 minutes
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minutes to cancel a Rise Credit subscription.
How to Cancel Rise Credit: Step by Step
If you purchased through RiseCredit.com:
- Log in to your Rise Credit account at risecredit.com.
- Navigate to the Account Settings section.
- Look for the Subscriptions or Billing tab.
- Select the subscription you wish to cancel.
- Click on the Cancel Subscription button.
- Follow the on-screen instructions to confirm your cancellation.
- You will receive a confirmation email regarding your cancellation.
If you purchased through customer support:
- Call Rise Credit customer support at (866) 580-1226.
- Provide your account details to the representative.
- Request to cancel your subscription.
- Follow any additional instructions given by the customer support representative.
- Note down any confirmation number or details provided.
Tips & Tricks for Canceling Rise Credit
- Call customer service at Rise Credit's main number (866-580-1226) to directly inform them you want to cancel or rescind your subscription or loan.
- Be firm and clear in your language—explicitly state your intent to cancel or close the account without ambiguity.
- Request confirmation in writing via email or letter to have proof of cancellation.
- Time your cancellation close to the billing or renewal date to minimize any additional charges.
- Escalate if necessary by asking to speak to a supervisor if initial representatives are unhelpful or push back.
- Use neutral language and avoid arguing; assert your right to cancel and do not accept partial solutions or disguised fees.
- Remove automatic payment authorizations with your bank or credit card to prevent future withdrawals after cancellation.
- Monitor your bank statements closely after cancellation to dispute any unauthorized charges quickly.
- Consider negotiating a settlement if you have a loan and cannot fully pay, as some users have had success lowering balances.
Rise Credit Customer Service Info
If you need assistance, here's how you can get in touch with Rise Credit's support team.
Cancel Rise Credit Script
Script
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Dear Rise Credit Team,
I hope this message finds you well. I am writing to formally request the cancellation of my subscription. Unfortunately, I have found that I no longer require your services due to some changes in my financial situation.
I appreciate the assistance and support I received during my time using your services. Please let me know if you require any further information to process my cancellation.
Thank you for your understanding.
Best regards,
Frequently Asked Questions
Rise Credit offers a 5-day risk-free guarantee allowing you to rescind your online loan by contacting support before 5 p.m. ET on the fifth business day after signing your loan agreement, without any fees or interest. They provide flexible loan payment schedules with no additional fees for early repayment, but late or missed payments may impact your credit rating and could lead to debt collection actions. Full terms, including APR and fees, are disclosed in your loan agreement.
To cancel your Rise Credit subscription, you generally need to manage your subscription through your Rise account or the app where you subscribed. It appears that password access is required to sign into your account to manage or cancel subscriptions on Rise Credit. If you forgot your password, you can reset it by going to the password reset page here: https://account.risecredit.com/ (look for the 'Forgot Password' link).
Alternatively, you can also call Rise Credit customer support at (866) 580-1226 for assistance with canceling your loan or subscription without necessarily needing your password. This provides an option if you cannot access your account online.
- High and allegedly illegal interest rates (e.g., 59%, possibly 299%) leading to high payment burdens.
- Predatory lending practices perceived by customers.
- Refusal to settle loans for reasonable amounts after partial payments have been made.
- Dissatisfaction with debt collection agencies used by Rise Credit.
- Lack of provision of original loan contracts upon customer request.
- Issues with loan cancellation even after approval and disbursement.
- Unauthorized sharing of private information with credit bureaus and third parties without consent.
- Problems with payment processing, including checks cashed without proper account info and refund delays.
- Loans being sold to third-party collection agencies without customer consent.
- Miscommunication and lack of transparency regarding settlement offers causing confusion and inability to close accounts.
- Poor customer service, including rude responses and failure to resolve disputes timely.
- Privacy rights violations under laws like the Gramm-Leach-Bliley Act (GLBA).
- Administrative errors such as loan applications with incorrect bank information.
If you take a loan with Rise Credit, you have a 5-day risk-free period where you can rescind the loan with no fees or interest by contacting their support. There are no early payment penalties, so you can pay off your loan early without extra fees and even save on interest. However, keep in mind that failure to repay on time may negatively impact your credit rating and lead to debt collection actions. There aren't any gimmicks or lock-ins to prevent cancelling your loan early, but be aware that refinancing is not automatic and might come with additional charges.
Before cancelling your subscription or membership with Rise Credit, keep in mind that monthly subscriptions require a 10-day notice while annual ones require 30 days. There are no refunds upon cancellation, but you will still have access to your data for the remainder of the paying period in which you cancel. Your content and reports will be kept for six months after the subscription ends, so be sure to export any important data before cancelling. If you want your data deleted immediately after cancelling, you can request permanent deletion. To initiate cancellation, you need to contact Rise Credit support via chat.
We've actually written a step by step guide on how to get a refund from Rise Credit. Check it out!
The Easiest Way to Cancel Rise Credit
If you’re frustrated trying to cancel your subscription, membership, or bill from Rise Credit—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Rise Credit?
RISECREDIT.COM, RISE, PO BOX 101808, RISECREDIT, RISE CREDIT PAYMENT, RISE PAYMENT, RISE CRD, RISE LOAN PAYMENT, RISE CREDIT CARD PAYMENT
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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