I Need a Payday Loan Immediately

Are you dealing with having your hours cut, losing a job, or having a surprise expense pop up this month? If you’re in a pinch and thinking “I need a payday loan immediately”- but your borrowing options are limited, you should consider LendUp.

Rather than going to traditional payday lenders, LendUp can help you get the money you need as soon as possible without the risk of hidden fees and debt traps used by most lenders.

Fast Online Application

With LendUp, you can apply online 24/7 from any computer, smartphone, or tablet in minutes. Just select your desired loan amount, repayment date, and enter your personal information.

Instant Loan Decision

All LendUp loan applications provide an instant decision. Once you submit your application, you'll know within seconds how much you were approved for - no waiting days or weeks for someone to call you or send you a letter in the mail.

Plus, if you're approved, we'll start the transfer to your bank account immediately, which means that you could have money in your account as soon as the next business day.

We consider all types of credit - even bad credit

LendUp knows that credit scores aren’t always the best indicator for whether you can afford to borrow money. That’s why we consider all types of credit history - even bad credit.

Some lenders may deny you because you made a mistake some time ago or because your credit card balances are a little high. LendUp looks at a wide variety of factors to see if you can repay a loan.

Even if your credit score is low, it is still possible to get approved.

No Hard Credit Check From Traditional Credit Bureaus

When you apply for a payday loan from LendUp, there is no hard credit check from traditional credit bureaus. A hard credit check is when a lender reports on your credit report that you applied for a loan.

This often causes a drop in your credit score and may make other lenders less likely to approve you for a loan. LendUp does not pull a full credit report from a traditional credit bureau or put a hard pull on your credit report.

No Hidden Fees

What you see is what you pay. Some lenders may bury fees or interest charges in the fine print. LendUp displays the terms of your loan, fees included, before you submit your application.

Flexible Repayment Dates

Many payday loans require you to repay your loan within a fixed number of days from when you get it - with no option to choose an easier day for you. If you already have other expenses that don't line up with your payday, it probably won’t help to have a lender asking you for even more money outside of your paydays.

LendUp lets you pick the exact date that you want to repay your loan. If you need a little extra time before you get your next paycheck, just select a different date.

LendUp Ladder

Payday loans can help you deal with emergencies or when expenses don’t line up with your paydays, but you don't want to fall into a costly debt trap with a predatory lender. Unfortunately, life doesn't always wait for you to rebuild your savings before it throws another emergency expense at you.

With LendUp, there are no hidden fees and no debt traps - ever. Plus, after successfully paying off LendUp loans, you could graduate up the LendUp Ladder to larger loan amounts and/or lower interest rates.

In many states, LendUp even provides the ability to graduate to a loan that reports to credit bureaus as a way to help rebuild your credit.

To get the details of your loan, start your application now.

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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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What people are saying


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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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