Join the hundreds of thousands of LendUp customers moving beyond their credit history — and into a brighter future.

LendUp’s mission is to provide anyone with a path to better financial health.

About LendUp

Here’s what customers say
about LendUp

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

Felicia C

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

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

Charlie B

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

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

Ashley V

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.


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

Terrence S

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

Incredible customer service, thank you so much!

Burnita B

Testimonials reflect the individual'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.

💲 Borrow Money

LendUp Loans

LendUp Loans are offered entirely online, so you can apply when it’s most convenient for you. If approved, you could have money transferred to your account in as soon as 15 minutes (where available). And we have something no one else does: the LendUp Ladder. Our borrowers earn points and climb the Ladder by repaying their online loans on time, taking our free credit education courses and more — which could result in access to more money at lower rates where available.

Ladder availability varies. Visit our Rates and Notices to see what's available in your state.

Short-Term Loans

Our payday loan alternative

LendUp’s alternative to payday loans provides a secure, convenient way to get the money you need fast. Good credit isn’t required, and unlike online payday loans or cash advances, we don’t have dangerous debt traps or rollovers. Applying takes only minutes, and you’ll get an instant loan decision.

Longer-Term Loans

Our lowest rates

Our online installment loans offer up to $1,000* for qualified customers. You can access more money and have longer time to pay. LendUp installment loans report to all 3 major credit bureaus. Apply 24/7 and get instant decision. Rates and terms may vary.

*The amount may vary by state.

💳 Build Credit

The L Card

The L Card is a credit card that was built for people new to credit or those who’ve had troubles in the past. You get clear pricing and there's no security deposit required.

Get an Invitation

📖 Learn


Lay the groundwork for a successful financial future with our free education courses. Each short animated video teaches practical lessons about saving, credit and more. Better yet, LendUp customers earn points on the Ladder.

Go to All Courses

The LendUp Ladder Works

— TechCrunch