“You seem to take the
word loan and change
it to opportunity.”

–Mitchell P, LendUp Customer

LendUp offers loans with declining rates, free education, and the opportunity to build credit (where available). Join the hundreds of thousands of borrowers around the country who are climbing the ladder to financial health.

Why LendUp

LendUp customers can earn access to installment loans at rates as low as 29% APR, based on the offerings of the LendUp Ladder in their state. Moving up the LendUp Ladder means earning access to more money, at lower rates, for longer periods of time.
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Apply in as few as 5 minutes

Instant decision

Good credit not required

Trusted direct lender

LendUp wants to help borrowers get out of the debt cycle and become more credit-worthy

Our story...

100% dedicated to our customers.

Every year, millions of Americans find themselves in need of short-term credit, but with few places to turn. That’s where LendUp comes in. We offer a secure, convenient and more-affordable alternative to payday loans - saving our customers time and money now, and providing an opportunity to build credit for the future (where available).

Successful borrowers see their rates go down over time:

Above graph shows aggregated California loan data.

Our take on the payday loan industry »

is your story

Hear what LendUp customers are saying:

You guys are absolutely the BEST. Thank you LendUp! I’m seeing the light at the end of the credit score tunnel.

Felicia C., LendUp Customer

This is what customer service is all about... If I can extoll your virtues to the people in charge, pass this along. Not every institution of lending need be so corporate as to forget the human quality.

Mitch, LendUp Customer

This is truly a good honest company that cares about their customers and I could tell that you see us as real people.

Eric B., LendUp Customer

I love your company... Your fees are upfront and reasonable, plus you are easy to get a hold of. You are so transparent. I love it!

Laura V., LendUp Customer

I love that you automatically take the repayment from my bank so I don't have to set any reminders. Thank you.

Tarik K., LendUp Customer

Looking forward to getting my score where it needs to be.

Terrence S., LendUp Customer

Financially this year has been a struggle living paycheck to paycheck, barely making it... You and your team being accommodating with me is a true blessing. I appreciate it so much! THANK YOU from the bottom of my heart!

Benjamin W., LendUp Customer

Thank you very much. I can always count on LendUp!!!

Ashley V., LendUp Customer

You have a great program. I have already paid off and stopped using payday loan lenders. Getting back on track.

Charlie B., LendUp Customer

Incredible customer service, thank you so much!

Burnita B., LendUp Customer

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Find out more about our customers »

The LendUp Ladder

Earn points. Climb the Ladder. Gain Access

The LendUp Ladder reflects our commitment to fix what we think is broken about payday lending. By earning points, LendUp borrowers can move up the LendUp Ladder and gain access to more money at lower rates over time. While we are building the LendUp Ladder as fast as we can, current availability and levels differ by state. Completing actions such as on time loan repayment or taking our free credit education courses are just a couple of the ways borrowers can earn points!

Start climbing »

The ladder incentive is awesome. It makes me want to pay on time to see the numbers change on my end...

Deborah M., LendUp Customer

How to earn points

Your First LendUp Loan

Welcome to the LendUp Ladder! Earn 125 points when you begin your first loan.

Education Courses

Earn 125 points for completing each of our free education courses. Take Education Course »

good standing
Repay Your LendUp Loan

Repay your loan. On time: 1000 points; extended: 500 points. (Up to 1000 points a month)

More ways to earn »

the Lendup Ladder

Trusted Around the Country

We’re growing.

LendUp is online and available 24/7 in a growing number of states.

Not in your State yet? Hold tight. We’re working hard to get up and running in more places.

Find out more about LendUp »

State Licensed

Why being licensed & direct matters:

LendUp is a direct lender, which means there’s no anonymous middleman involved, and we don't sell your personal information. State-licensed means you're protected by your states laws and regulations.

Online and Mobile

Online and Mobile, 24/7. Anywhere.

LendUp is all online! Get a loan day or night from the convenience of your phone or desktop. No rushing around to find a local branch before closing time. You want business hours? We've got all of 'em.

You seem to take the word loan
and change it to opportunity.

Ready to get started? See for yourself why people choose LendUp. Get Started With LendUp