Payday Advance Alternative

When an emergency strikes, you may not have the money in the bank. A major car repair, sudden travel or a health issue could leave you short of cash. When that happens, your options may be limited if you have little credit or poor credit. If you have a credit card, you may be able to take out a cash advance, but the repayment terms could leave you shuffling a revolving balance for years to come. An online payday advance from LendUp could help you get the funds you need without putting you into a downward debt spiral.

What is an online payday advance?

An online payday advance allows you to take out a loan based on your regular paycheck, so you can get cash when you need it and pay it back during a future pay period. LendUp offers an easy payday advance program for those times when you need cash. If your work hours were temporarily cut or you had to take unpaid time off, you can still keep your bills paid with a payday advance from LendUp.

LendUp specializes in short-term loans for those who have trouble obtaining credit. These products give the millions of Americans who live paycheck to paycheck the flexibility that credit allows, without worrying about a seemingly never-ending cycle of payments.

Borrowing from many payday advance services offers no long-term benefits. But in eligible states, one of the benefits of working with LendUp is the LendUp Ladder, which allows you to earn points that could lead to the right to apply for larger loans at lower rates — and possibly even apply for credit-reporting installment loans (where available). Better credit could open up more affordable financing options through LendUp and other finance companies.

How can I get a payday advance online?

LendUp offers quick payday advances through a quick application process. All you need to do is fill out the application form using a computer or mobile device. The entire application usually takes around five minutes, and you will get an instant decision. Not everyone qualifies for a loan, but good credit is not required. LendUp does not rely solely on your credit score to make a decision about a payday advance.

Small short-term loans could offer just the right amount of liquidity. You can get enough cash to handle most emergency situations without facing crippling debt. Easy repayment terms allow you to pay off the loan within 30 days. You set the repayment terms, within your state’s limits, based on the loan amount and your ability to make the payments.

What do I need to apply for a payday advance?

With our payday advance application bad credit doesn't necessarily mean you won't get a payday advance, you do need to provide some documentation to apply. Before you start filling out the application, be sure to have:

  • Your current address information

  • An active email address and working telephone number

  • Income information

  • A checking account that accepts electronic transfers

If approved, money can be in your account by the next business day. However, your bank determines when the funds are actually available to you.

What should I look for before applying for a payday advance?

Before you finalize any loan, you'll want to take a look at the total cost of the loan. How much will you need to pay back? LendUp lets you repay on your terms, and we don’t have rollovers or dangerous debt traps. This helps you keep your debt under control and allows you to take charge of your financial future.

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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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