I Need Money Now – What Should I Do?

Life happens, and sometimes you need money fast. From a broken down car, to a surprise bill, to a late paycheck, many situations can arise that require you to get quick cash to cover your needs. If you’re looking for ways to make money online and you’re concerned with speed, what do you do?

Did you think we were going to say “get a bank loan” or “what about credit cards”? We know that those options may not be available to you right now.

Do You Need Money Fast?

If you don’t qualify for a bank loan or credit card (or if you already have a loan or credit card, but can’t obtain the credit you need from those sources), you’re probably looking for a different short term solution. But, with many predatory short term lenders out there, it can be difficult to know whom you can trust.

So Where Do You Turn If You Need Money but Have Bad Credit?

If you have an emergency and the most pressing questions on your mind are “What should I do if I need money?” and “How can I get it fast?”, LendUp can help. We work with you to get you the money you need.

Our short-term loans can help you deal with your current needs, and you can receive funds within one business day (availability might take longer if you apply after 5 pm, on the weekend, or on a holiday). LendUp is fast, online, and convenient.

Plus, if you consistently pay back your loans on time, we can provide larger loan amounts and lower interest rates over time on the LendUp ladder—all with no hidden fees and no debt traps. And, we don’t use data from the traditional credit reporting agencies as part of underwriting, which means that your FICO credit score won’t be impacted, whether you are approved for a LendUp loan or not.

We Can Help When You Need Money Most

You can fill out your LendUp application and apply online anytime day or night, seven days a week (availability of funds might be delayed if you apply on the weekend or on a holiday). After completing our quick application, you get an instant loan decision so you don’t have to wait, and good credit is not a requirement.

Plus, LendUp is a lender with a conscience. We design our products to have no hidden fees and no debt traps. Ever. LendUp was created to help you deal with emergencies and build financial health over time.

Your first loan with us may be smaller than what we can approve later. After you consistently demonstrate your ability to pay on time, we can do even more for you. Over time, we reward our repeat customers who have good repayment history with higher loan amounts and lower interest rates (in states where available).

LendUp also cares about what happens next with your financial future. We offer free financial education and have partnered with non-profits that can help you create and maintain a practical savings plan, earn rewards and prizes for saving, and find local resources to help you reduce household costs, health care expenses, and child care costs—all so you will be better prepared when you need to get money the next time.

Contact us to fill out your loan application today. If you need money, we want to hear from you.

Short-Term Loans FAQs

Q. In what states does LendUp operate?

LendUp is currently licensed to issue new loans in the following states: CA, LA, MO, MS, TN, TX, WI.

Q. Can I borrow money with bad credit?

Yes, you are eligible to apply for a loan from LendUp regardless of your current credit situation. While we can’t guarantee loan approval, the majority of our customers have less-than-ideal credit and many are able to improve their credit score via the LendUp ladder (where available).

Q. How much money can I borrow?

In the majority of cases, you can borrow up to $250 as a first-time borrower. Those eligible for an installment loan can borrow up to $1000 (see details for each state here).

Get Started Here

Apply for a LendUp Loan here:

What is LendUp?

LendUp is a socially responsible direct lender dedicated to helping our customers meet their short term needs.

Learn more about LendUp »

Apply in as few as 5 Minutes

Instant Decision

Good Credit not Required

Direct Lender

What people are saying

Hear from our customers

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.

Learn more about our customers »