Direct Online Lender

Are you facing a financial emergency and don't have the necessary funds available to cover these costs? If so, a short-term loan may be the ideal solution for you. These loans allow you to borrow the money you need now and repay it over the next several weeks. Online loans may be an attractive short-term lending option, especially for those residents unable to get approval for a traditional loan from a bank or credit union.

LendUp is a direct lender in all states where we operate (except for Texas and Ohio, where we are a Credit Access Business, or CAB, as required by law). Our short-term unsecured loans are available to residents of with all types of financial backgrounds. Good credit is not necessarily required when applying for a LendUp Loan. We consider many factors when making our loan decisions. In fact, many of our customers have less than stellar credit or very little credit.

Where are you a direct lender?

LendUp is a direct lender in all states where we operate ,except for Texas and Ohio, where we are a Credit Access Business, or CAB, as required by law In those states, lenders are required to work with local institutions.

Benefits of working with a direct lender

Dealing with a direct lender means you won’t work with any type of middleman. Instead, you will work directly with that lender from application to repayment.

In all states we operate in, you can rest assured that your personal information will remain safe. Not only do we maintain a secure website, but we never sell our customers' personal information to a third-party vendor.

What are the benefits of a loan direct from us?

We understand that your financial situation requires immediate solutions. In order to make the process as quick and easy as possible, our convenient online services are available 24/7, so you can apply for a loan anytime of the day or night. In many cases, you can complete the entire application process in just about five minutes by using your mobile phone, desktop computer or laptop. Best of all, we offer instant loan decisions.

We also strive for fast and convenient funding. If you submit your completed loan application before 5 p.m. PT (Monday - Friday), the money is usually in your bank account the very next business day. Funding times may vary depending on your specific bank or credit union. Please see our FAQ section, for more details about funding times.

LendUp offers a wide range of benefits to our customers, including:

  • 24/7 online access to our application

  • Instant loan decisions

  • Free financial education

If you need money to help overcome a financial crisis in your life, apply for a LendUp Loan today. In certain states, we offer fast and hassle-free direct loans. We will provide you with clear lending terms and we will never try to trick you with hidden fees or risky roll-over tactics. We make the application process quick, the funding process fast and the repayment system fair.

Applying for a loan with this direct lender

At LendUp, we know that our company will not succeed unless you succeed. This is just one reason why we never offer roll-over loans to our customers. We believe this dangerous lending technique oftentimes pushes people even further into financial crisis and makes it difficult for them to realize their goal of financial stability.

When you work with LendUp, you never have to worry about hidden fees or additional payments because we offer very clear credit terms. You will know exactly how much you need to repay, how much your payments will be, and when you need to repay the loan before you apply. New applicants may be eligible for LendUp loans for up to $250.

We firmly believe that obtaining a short-term loan should be fast and hassle-free. We have no hidden fees, no complicated credit terms and no dangerous roll-overs.

Get Started Here

Apply for a LendUp Loan here:

What is LendUp?

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

Learn more about LendUp »

Apply in as few as 5 Minutes

Instant Decision

Good Credit not Required

Direct Lender

What people are saying

Hear from our customers

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.

Learn more about our customers »