Oakland Payday Loans

A variety of scenarios compel people to seek out a payday loan. Whatever your reason and wherever in Oakland you happen to be when the need for funds arises, you can apply for a LendUp Loan online at your convenience. There's no need to search for an open payday loan store in downtown Oakland or find a location by your nearest BART station. You don't even need to change out of your pajamas. You can always access LendUp online, 24/7.

LendUp specializes in payday loan alternatives, which are short-term loans with no roll-overs and no hidden fees, with clear terms and lower rates than the typical payday loans in Oakland. When you choose LendUp and build a history of responsible borrowing by repaying your loans on time, you gain access to larger loan amounts at better interest rates.

What makes an Oakland Payday Loan with LendUp different?

LendUp is a mission-driven company that believes even if you have less than stellar credit, you havea path to a better financial future. We're committed to offering payday loan alternatives to qualified applicants of all financial backgrounds, helping our customers access funds when they need and working with them to improve their financial circumstance. Rather than working to keep you in debt, we provide many responsible borrowers an opportunity to build credit as they earn points by paying back their loans on time.

The LendUp Ladder is one way we demonstrate that commitment. When you borrow from LendUp and repay the loan on time, you have the opportunity to move up the LendUp Ladder. The higher you climb, the more money you can access over time at lower rates. As you climb up the Ladder, you might have the opportunity to build your credit history or raise your credit score by choosing to report your loan payments to the three major credit bureaus: Equifax, Experian and TransUnion.

Even if you have never applied for a LendUp loan, you can still access LendUp Education, a collection of more than a dozen free online courses designed to increase your financial literacy and advance your standing on the LendUp Ladder. Earn points when you pass the quiz at the end of each short video lesson.

Since LendUp is headquartered across the Bay in San Francisco, your loan from LendUp helps support a local business. As we are a direct lender in California, there's no anonymous middleman involved, and because we're state-licensed, you're protected by California laws and regulations. Your personal information remains confidential, as we never sell our customers' data.

If I get approved, how soon can I get access to my payday loan alternative?

You can apply for a LendUp Loan at any time by logging into the site from a computer, tablet or smartphone connected to the internet. Applying for a loan takes as little as 5 minutes, and since you'll receive an instant decision, you'll know right away if you're qualified and approved for a loan. Even better, if you're approved, you can get your funds as quickly as the next business day. For example, if you submit your application before 5 p.m. on a weekday and you choose the online deposit option, then the money will be transferred to your bank account at 5 p.m. Most banks post funds to your account by the next business day, though your bank's rules might differ.

First-time borrowers can apply for a payday loan alternative from LendUp anywhere between $100 and $250. When you apply, you decide when you want to repay the loan (you have up to 30 days to repay it), though you can always pay early without penalties. Repeat customers in good standing may be eligible for up to $1,000 at a time.

Good credit is not required to apply for a LendUp Loan, though receiving and responsibly repaying LendUp Loans can help you establish good credit over time.

Benefits of Our Oakland Payday Loan Alternative

LendUp offer better options than traditional Oakland payday loan stores. How?

  • Wherever you can access the internet, you can apply for a LendUp Loan between $100 and $250 initially.

  • The application process not only is convenient, but can be quick - in as little as 5 minutes to finish. Instant decision - You’ll know right away whether you’re approved.

  • If you're approved for a loan, your funds could be in your account as soon as the next business day.

  • The company is a licensed, direct lender in California. Oakland residents are welcome to apply!

  • We are committed to offering better alternatives to payday loans.

  • We also offer free online financial education courses and give you the chance to earn points to eventually apply for bigger loans and smaller rates.You may even qualify to report positive payment history to the three major credit bureaus: TransUnion, Equifax and Experian.

Get Started Here

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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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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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