“You seem to take the word loan and change it to opportunity.”

—Mitchell P., Los Angeles, CA

We couldn’t have said it better ourselves.

When you need money fast, LendUp is the easiest, safest, most trusted way to get it.

You’ll earn access to more money, at better rates, for longer periods of time. We’re dedicated to helping you build credit, not keeping you trapped in debt.

All you have to do is repay your loans on time, and we make that as easy as possible. You get a personal dashboard, email and text reminders, and unlimited support from the best customer service team around.

“I can tell this is a different type of service, one that actually cares about its customers. The website is easy to use and you are honest with your product, which is really refreshing, considering most lenders in this industry are just out to get you.”
“I really like how your social mission is part of your product. I believe you are trying to help me and address a bigger problem which gives your business so much more integrity than your competitors.”
“You know, it's so hard in this day and age being poor, I feel like people don't treat you with any respect. However, at LendUp, you treat everyone equally and it really makes me feel hopeful about my future.”

Learn more about our customers »

  • Set your loan details with the sliders above and complete the online application. It takes 5 minutes and there is no paperwork.
  • You will know instantly whether you are approved. We are a direct lender so there is no wait for an answer.
  • Your money is deposited right into your bank account. We automatically withdraw your loan amount & fees from the same account with no hassle and no late fees.

The LendUp Difference

Instant approval

Our application takes 5 minutes and you'll find out right away whether you're approved.


No hidden fees

Our terms and conditions are clear and transparent. We want you to be informed, not confused.


No rollovers

If you get in trouble, we work with you. There's no way to become trapped in a cycle of debt.


Trusted direct lender

You're borrowing directly from LendUp, a licensed direct lender, not an anonymous middleman.

Personal dashboard

Sign in anytime to check your loan status, extend your loan, or pay with your debit card.


Top-notch customer service

Only LendUp offers unlimited California-based phone support, in both English and Español.


Learn about credit

We want to inspire financial know-how. Our built-in education courses are simple and fun.

The LendUp Ladder

Everything you do, from paying on time to education courses, earns you points on the LendUp Ladder.


Opportunity to build credit

Responsible borrowers can eventually earn access to credit-building loans, where available.

The LendUp Ladder

The LendUp Ladder is your path from payday loans to financial independence. As you climb, you earn access to more money at better rates for longer periods of time, and, at Platinum and Prime levels (where available), you have the opportunity to increase your credit score.

Get climbing now »

The LendUp Team

We are a group of engineers, designers, Ph.Ds, and community developers who couldn't sit by and wait for a solution to the small-dollar credit problem that was only getting worse.

We come from technology, non-profit, financial services, and academic backgrounds, and we are dedicated to providing the best, safest, easiest way to get money when you need it.

Explore More

The LendUp Ladder

The LendUp Ladder

The LendUp Ladder changes the dynamic of a payday loan from a dangerous step into a cycle of debt, into an opportunity to build credit.
Explore the ladder »

Socially Responsible Lending

Socially Responsible Lending

We created a loan that aligns our interests with those of our customers. We succeed when they succeed, not when they get deeper into debt.
Find out more »