“You seem to take the word loan and change it to opportunity.”
—Mitchell P., Los Angeles, CA
We couldn’t have said it better ourselves.
When you need money fast, LendUp offers an easy, safe, and trusted way to get it.
Moving up the LendUp Ladder means earning access to more money, at better rates, for longer periods of time.
You can move up the Ladder by repaying your loans on time, and we make that as easy as possible. You get a personal dashboard, email and text reminders, and unlimited support from our friendly customer service team. The LendUp Ladder availability varies by state.
The LendUp Difference
Our application takes as few as 5 minutes and you'll find out right away whether you're approved.
No hidden fees
Our terms and conditions are clear and transparent. We want you to be informed, not confused.
If you get in trouble, we work with you. There's no way to become trapped in a cycle of debt.
You're borrowing directly from LendUp, a licensed direct lender, not an anonymous middleman.
Sign in anytime to check your loan status, extend your loan, or pay with your debit card.
Top-notch customer service
Our California-based team is here to help on the phone or via email, in both English and Español.
Learn about credit
We want to inspire financial know-how. Our built-in education courses are simple and fun.
The LendUp Ladder
There are many ways, from paying on time to taking our free education courses, to earn points on the LendUp Ladder.
Opportunity to build credit (where available)
Responsible borrowers can eventually earn access to credit-building loans, where available.
The LendUp Ladder
The LendUp Ladder reflects our commitment to fix what we think is broken about payday lending. As you climb, you earn access to more money at better rates for longer periods of time, and, at Platinum and Prime levels (where available), you have the opportunity to report payments to credit bureaus which can increase your credit score.
“An innovative new payday loan banking model that's more Silicon Valley than Wall Street”
“LendUp is bringing innovation and transparency to an industry that desperately needs disruption”
“...LendUp is a better product than the traditional payday loan”
“It’s that long-term relationship that will make LendUp a good business”
“LendUp wants to help borrowers get out of the debt cycle and become more credit-worthy”
“Technology can make a difference for people in need”
“A dignified alternative to payday”
“A lending startup with a heart”
“Some of Silicon Valley’s brightest”
The LendUp Team
We are a group of engineers, designers, Ph.Ds, and community developers who couldn't sit by and wait for a solution to the small-dollar credit problem that was only getting worse.
We come from technology, non-profit, financial services, and academic backgrounds, and we are dedicated to providing the best, safest, easiest way to get money when you need it.