Los Angeles Payday Loans

Payday loans are short-term unsecured loans designed to help you pay for unexpected expenses that arise between your paychecks. They're called "payday loans" as they're meant to be repaid on your next payday. Driving around Los Angeles, CA, you practically see payday lending stores on every corner. Their popularity for LA residents is most likely due to the fact that they are far more accessible than other types of loans. The accessibility of payday loans in Los Angeles, along with the ability to roll over your loans if you can't afford to make your repayments when they're due, means that there could be a risk of getting trapped in a cycle of debt. Hidden fees and penalties can also increase the cost of these loans and make it more difficult for you to repay your debt in full and on time.

LendUp is different from other California payday loan lenders in that we strive to make the terms of our payday loans in Los Angeles, CA, clear and understandable. We have no hidden fees or rollovers which means that you won’t get trapped in a never-ending cycle of debt with us. We designed the LendUp Ladder that is available to California residents. It’s a points-based rewards program, to help you earn points to eventually access higher loan amounts at lower interest rates for longer periods of time. At higher points in our ladder, you may even qualify for credit-reporting installment loans.

As you repay your short-term LendUp loan, you'll earn points and progress up the Ladder. You can also earn points by:

  • Enrolling in our free online courses: Each course consists of a short video followed by a quiz. You'll earn 125 points for each course you complete. Once you've completed your first six courses, you'll receive 250 bonus points.

  • Referring your friends to us: If your referral takes out a loan with us, you'll both receive 500 points on the Ladder, for up to 2500 bonus points for referral.

How do I apply for a payday loan in Los Angeles with us?

Unlike regular payday loan stores, where you need to drive through congested Los Angeles traffic to and wait in line to speak to a customer service person, ,the application process for a LendUp loan should take no longer than five minutes to complete online from your smartphone or computer 24 hours a day, 7 days a week. You'll receive an instant loan decision as soon as you've submitted your application.

If you're approved for a loan before 5pm on a business day, we'll transfer your funds to your checking account the next business day. Using traditional payday loan stores, or even pawn shops can be inconvenient and time consuming process, especially if you have unexpected bills to pay. Fortunately, there are better, faster ways to lend that don’t require waiting in traffic and can even reward your positive repayment history to access to better rates over time. You can even start on your path to financial health as early as today.

Apply for a loan online with LendUp, and if your loan is submitted before 5 p.m. PT on a weekday, you’ll typically have money in your account by the next business day. See lendup.com/faq for more details

What are the requirements to apply for a LendUp loan?

If you want to apply for a LendUp payday advance in Los Angeles, CA, you must meet the following requirements:

  • Be aged 18 or over

  • Reside in a state where LendUp is licensed to operate

  • Have a recurring source of income, such as paychecks from your job or regular government payments

  • Not be an active member of the military or a dependent of an active member of the military

  • Be willing to provide current contact information, including a residential address

  • Have a phone number that can take incoming calls

  • Have an email address you can access

  • Have an open and active checking account that accepts electronic deposits and withdrawals

If your credit score isn't perfect, or you're yet to build up a credit history, you may still qualify for a LendUp payday loan. There's no traditional credit check and good credit isn't required.

Finding a better alternative to traditional Los Angeles payday loans doesn't have to be a challenge. By applying for a LendUp payday advance in Los Angeles, CA, you can borrow the money you need without getting drawn into a vicious cycle of debt.

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