“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 CustomerTestimonial reflects Felicia’s opinion and may not be representative of all individual experiences with LendUp.
Designed for people trying to build credit history. Paying bills on time, keeping your balance low, and having a long credit history, among other things, can help your chances of improving your credit. We offer clear pricing, and there’s no security deposit required.
In your home, bag, or back pocket, LendUp is always within reach. Access your account at any time, from whatever device you choose. Wherever you go, we're right by your side.
Get the DetailsWe’re building a secured card that’s backed by your own deposit. Find out more 
“The best thing about LendUp is that they want to educate you, they want to make sure that you know what you’re doing and how you can take steps to better your future.”
Anthony M.
Testimonial reflects Anthony’s opinion and may not be representative of all individual experiences with LendUp. Customers received compensation in the form of points on the LendUp Ladder.
Get one step closer to a brighter financial future with a LendUp loan. When you need money fast, we provide a more secure, convenient alternative to traditional payday lenders who often leave you trapped in never-ending debt cycles.
Applying online takes only a few minutes and decisions are instant. Our clear terms and transparent pricing let you know just what you’re getting, and you don’t ever have to worry about hidden fees.
In eligible states, the LendUp Ladder offers you the chance to improve your credit history while getting the money you need. When you show you’re committed to your financial health, you can move up the Ladder and could gain access to more money as you go. We currently offer a few different ways for you to earn points, such as paying your loans on time, taking our education courses, and sharing testimonials about your LendUp experience. However, these may change over time as we continue to tailor the Ladder to suit your needs.
LendUp Average APR for loans taken by customers in states with full Ladders who chose the least expensive loan available to them at each level of the Ladder.
Industry Average APR for storefront “payday” loans according to a nationwide CFPB study, “Payday Loans & Deposit Advance Products”
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“LendUp is not just a loan company. It’s an education company that helps with your credit. It’s just been very helpful and I’m thankful for the company.”
Chris L.
Testimonial reflects Chris’s opinion and may not be representative of all individual experiences with LendUp. Customers received compensation in the form of points on the LendUp Ladder.
Saving money is never easy. Whether you’re paying down debt or simply trying to make ends meet, it seems like there’s never enough to go around. As part of our commitment to your financial health, we’re hard at work reimagining savings solutions that can help you take the next step toward a better financial future. Our goal is to help you develop a robust savings practice—one that empowers you to save with confidence.
In the meantime, we’re proud to offer these savings resources in collaboration with some of our partners in financial health.
A free program, offered by national nonprofit EARN, where you can earn rewards and prizes for saving.
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Free, localized resources to help you reduce household costs, health care expenses, child care costs, and more.
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Need help kickstarting your savings? Balance can help you create and maintain a practical savings plan.
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When you make financial education a priority, you lay the groundwork for a successful financial future. Our free credit education courses offer practical lessons on topics like building savings, maintaining a budget, and beating credit card risk. In eligible states, you can earn points for each course you take.
There’s a reason why TechCrunch describes LendUp as a company “founded on a mission of financial empowerment.” We’ve now saved our customers more than $200 million in interest and fees and have helped Americans across the country on their path to better financial health.
“If you care about the financial well-being of 56% of our fellow Americans... then LendUp just may be one of the most important companies currently being built in the US.”
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