Join the hundreds of thousands of LendUp customers moving beyond their credit history — and into a brighter future.

LendUp’s mission is to expand access to credit and lower the cost of borrowing for the millions of Americans that traditional banks are typically unable to serve.

About LendUp

💲 Borrow Money

LendUp Loans

LendUp Loans are offered entirely online, so you can apply when it’s most convenient for you. If approved, you could have money transferred to your account in as soon as 15 minutes (where available). And we have something no one else does: the LendUp Ladder. Our borrowers earn points and climb the Ladder by repaying their online loans on time, taking our free credit education courses and more — which could result in access to more money at lower rates where available.

Ladder availability varies. Visit our Rates and Notices to see what's available in your state.

Short-Term Loans

Our payday loan alternative

LendUp’s alternative to payday loans provides a secure, convenient way to get the money you need fast. Good credit isn’t required, and unlike online payday loans or cash advances, we don’t have dangerous debt traps or rollovers. Applying takes only minutes, and you’ll get an instant loan decision.

Longer-Term Loans

Our lowest rates

Our online installment loans offer up to $1,000 for qualified customers. Over time, proven borrowers can earn repayment terms of up to 12 months and rates as low as 29% APR where available. Apply 24/7 and get an instant decision. Rates and terms may vary. Visit our Rates and Notices for details.

💳 Build Credit

The L Card

The L Card is a credit card that was built for people new to credit or those who’ve had troubles in the past. You get clear pricing and there's no security deposit required.

Get an Invitation

📖 Learn


Lay the groundwork for a successful financial future with our free education courses. Each short animated video teaches practical lessons about saving, credit and more. Better yet, LendUp customers earn points on the Ladder.

Go to All Courses

The LendUp Ladder Works

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