The path to a more secure financial future
As you climb the LendUp Ladder, 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 ability to increase your credit score.
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.
Starting at Platinum, you can report your repayment behavior to the major credit bureaus. At Prime, you can borrow up to $1000 at rates as low as 29% APR.
Levels on the LendUp Ladder
The points you earn on the LendUp Ladder aren't just an indicator of your financial progress. As they accumulate, and based on your state of residence, you will achieve status levels, from Silver to Gold to Platinum to Prime. For more information on the offerings of the LendUp Ladder available in your state, please visit LendUp's Rates & Notices.
How Points are Earned
Every point you earn comes from an achievement - paying back your LendUp Loan for example, or completing one of our free education courses. Below is a list of the points-earning opportunities we offer currently. We are always building new ways to climb the ladder, so check back here often for more opportunities.
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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