The LendUp Ladder

Let's climb beyond payday loans.

Explore the Ladder in Your State

The LendUp Ladder

Let's climb beyond payday loans.

A path to increased credit access

As you climb the LendUp Ladder, you earn access to more money at better rates for longer periods of time, and where available, Platinum loans offer the availability to report payments to the bureaus. All Prime loans report to the major bureaus. Reporting on-time payments can increase your credit score. While we are building as fast as we can, LendUp Ladder availability varies state by state.

Climb the Ladder by earning points

The more points you earn, the higher you are on the Ladder. You don't spend points. They represent the experience and trust you have built with LendUp.

The simplest way to earn points is to repay your LendUp loans on time.

You can also take our education courses (up to 1000 points), refer friends to LendUp (500 points each), and more. We're always building new ways to climb the Ladder.

Access more money at better rates

As you earn more points, you ascend in status from Silver, to Gold, to Platinum, to Prime based upon your state and your ladder availability).

Starting at Platinum, you can choose to have your repayment behavior reported to a major credit bureau. At Prime, you can borrow up to $1000 at rates as low as 29% APR.

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About LendUp

About LendUp

We are dedicated to building a solution for the millions of Americans who find themselves locked in the short-term debt trap.
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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.
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