Licensed California Lender

LendUp is a financial institution based in San Francisco and a licensed, direct online lender in the state of California. This means all California residents can apply for an online short-term loan at LendUp. We provide you with a quick and easy way to apply for a first-time loan. In CA you can apply for $100 to $250 from your smartphone or desktop in less than 5 minutes. All California applicants get an instant decision so you can get on with your day. If approved, you will get funds transferred directly to your bank account.

California residents also have access to the LendUp Ladder. With the Ladder, you have a chance to build your credit history when you reach the upper rungs of the Ladder. In fact, if you build a positive, timely repayment history with us, you may be able to unlock credit-building loans at our highest levels of the LendUp Ladder.

Providing loans as a California licensed lender

LendUp is a direct lender in California. The entire application typically takes less than 5 minutes, and you’ll get an instant decision. That means no sitting in traffic on the 10 freeway to drive to a payday loan store. At LendUp, you can apply from your smartphone, tablet or home computer from anywhere as long as you have wifi access. To apply for an online payday loan alternative with us, you will need a phone number, a valid email address, current contact information including a physical address, a checking account with a bank that allows electronic transfers, and a recurring income. In California you must be 18 years or older.

Your security and privacy is our priority. We will never sell your personal information to other payday lenders or third parties. And we use bank-level security on our website to make sure that your personal information remains secure.

Good credit is not required to apply for a loan with LendUp. We've provided loans to individuals with bad and poor credit. Our mission is to help individuals who have poor credit gain access to credit, over time. One way we help people take control of their financial future is with We also provide you with free financial education classes online.

Our products encourage and reward actions that result in higher credit scores. We want to motivate you to be financially responsible.

Why does it matter that we're a licensed lender in California?

Some companies try to skirt state and federal consumer protection laws by operating offshore or on tribal land. LendUp is different. We only operate in states where we are licensed. We follow all rules set forth by those states and the U.S. federal government. With LendUp, you can feel confident taking out and repaying loans, knowing that you are protected by both California state and U.S. federal laws. At LendUp, we not only follow California and federal laws. We offer free online financial education courses and our LendUp ladder to help you get on a better path to financial health. We only succeed when you do!

A California licensed lender with a mission

As a California-licensed lender, we're aware that 47 percent of Americans could not cover a $400 emergency expense. They would have to borrow money or sell their belongings to do so. Over half of Americans have a FICO score below 680. According to a 2015 Federal Reserve Board study, they can't be approved for credit by most banks.

In addition, more than 150 million people do not have enough access to credit. This leaves them unprepared to handle a car repair, hospital visit or even an electricity bill coming due before a paycheck clears. LendUp wants to offer customers with less than stellar credit a better way to borrow money.

We have set up a quick and easy way to apply for an online loan. In California, as you build a credit history, you may be eligible to apply for credit reporting loans. Get started today!

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What is LendUp?

LendUp is a socially responsible direct lender dedicated to helping our customers meet their short term needs.

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Direct Lender

What people are saying


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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.

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