 TITLE: RISE Personal Loans: A Cheaper Alternative to Payday Loans CONTENT: How to Apply for a RISE Personal Loan\n-------------------------------------\nThe RISE personal loan application process is entirely online. To qualify, you need to meet a few requirements, including:\n*   Be at least 18 years old (or 19 if you live in Alabama or Nebraska)\n*   Live in one of the 31 states where the lender operates\n*   Have a job or other regular source of income\n*   Have an active and valid checking account\n*   Have an email address where you can receive account information\nTo start the application process, you'll provide information about yourself, including your name, address, date of birth, Social Security number and contact information.\nRISE will run a soft inquiry on your credit report to show your loan options. If the lender checks your credit report during this process with its partner Teletrack (a specialized consumer reporting agency), it will be a hard inquiry that only shows on your Teletrack report. The inquiry won't show up on your credit report with the three major credit bureaus.\nThen, if you proceed to apply for one, the lender will run the type of hard inquiry that can impact your credit score. The lender may ask for certain documents to verify information on your application, such as pay stubs, bank statements or tax forms.\nYour APR will be determined based on various factors, including your income, credit history, information on your application and the loan amounts and terms offered in your state of residence. END