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“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

Testimonial reflects Felicia’s opinion and may not be representative of all individual experiences with LendUp.

Credit Cards

Credit Cards

Credit cards that put you back in charge

Credit Cards

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.

Get the details

“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.
Anthony M.

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.

Online Loans

Loans designed to build you up, not bring you down

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.

Get started now

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LendUp average APR vs industry
Chart Key

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.

Chart Key

Industry Average APR for storefront “payday” loans according to a nationwide CFPB study, “Payday Loans & Deposit Advance Products” Read More Arrow pointed right

“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.
Chris L.

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.

Our Proof

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 $150 million in interest and fees and have helped Americans across the country on their path to better financial health.

More than $150 Million Saved in Interest
 & Fees Find out more Arrow pointed right

“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.”

Simple.Innovative.Change Arrow pointed out

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LendUp Credit Cards

LendUp launches a better credit card for people looking to improve their credit

From TechCrunch Arrow pointed out

Feb 13, 2017

Improving Financial Health by Improving Credit Scores

Read on the blog Arrow pointed right

LendUp Credit Cards

Getting people on to the credit ladder: LendUp CEO, Sasha Orloff

from Barefoot Innovation Group Arrow pointed out

1.7
million LendUp education courses taken

Financial Education

Get smart about your money

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.

More from LendUp

About LendUp

More about our mission and how we’re helping our customers.

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Our Press

LendUp is in the news! Articles, press releases, kudos, and more.

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