Get your online loans with LendUp
If you, like millions of other Americans, are living from paycheck to paycheck, then you already know how devastating just one financial emergency can be for your family. It could be car problems, an unexpected bill, an illness or hundreds of other potential issues people across the country face every day. When this happens, finding the short-term funding you need can be difficult. To add to this stress, some estimates show that millions of citizens do not have access to sufficient credit to help deal with these issues.Many families dealing with a financial emergency find themselves searching for online loans options to get a cash advance in, such as alternative payday loans. Alternative online loan options, such as LendUp, allow you to obtain the money you need now and pay it back, typically within 30 days, depending on the state you reside in.## What can I expect from this online loan service?LendUp designs its loans specifically to provide residents throughout the U.S. with access to the short-term credit solutions they need.Residents do not necessarily have to have good credit in order to obtain credit approval from LendUp. Instead, we make it our primary goal to provide loans to those who do not have a high enough credit score to obtain a standard bank loan. We don't perform a traditional hard credit check, which can affect your credit negatively. Instead, we do a soft credit pull, which does not show up anywhere on your credit report, whether or not you are approved. We offer loan products that are, in many cases, ideal for even those with poor credit And have designed our financial products to encourage and reward smart financial decisions that can eventually result in improved credit scores, where available.Best of all, our online loan application is quick and easy. You can complete the entire online loan application process online with your laptop, desktop computer, smartphone or tablet 24 hours a day and every day. Typically, it takes as little as five minutes to complete the online application, and we can provide instant loan decisions, so you never have to wait for a long time to know if we approved your loan. The whole process can be done from the comfort of your own home. It really is that easy.## How do you apply for an online loan with us?Online loans can provide the money you need now to deal with your emergency which you payback later. If approved, you can use these funds for any emergency, such as car repairs, groceries, medicine, gas or any other reasons. In many cases, a LendUp loan can eliminate the risk of overdraft fees, bad check fees or late fees. Most importantly, cash-advance options can help you take care of your family and tie you over until your next check comes in.You should not consider a cash advance to be a long-term solution to a financial crisis. Rather, these loans are for short-term purposes. These loans have payment plans that intend for you to repay them over a short period of time. These loans are only for those people who are confident that they will be able to repay the loan. It is important that you evaluate this decision very carefully before applying for a payday loan; you must make sure that you will have enough money to pay the loan back.In order to apply for a loan with LendUp, you must be at least 18 and a resident of a state that LendUp operates in. You also must have an active checking account, email, phone number and a proven source of income. If you meet this criteria and you are certain you can repay the loan, then a LendUp cash advance loan alternative might be right for you.## What makes us different from other online lenders?One of the most important things that make LendUp different from many other online lenders is that we are a fully licensed in the states that we operate in. Unlike some other online lenders, who fail to seek licensure, we never work outside the lending rules and regulations set forth by the United States government or the state. When you work with LendUp, you have the rights to full protection by all local lending laws.We also never work with shady offshore lenders. When you work with LendUp, your loan and your information stays with our company from start to finish. In addition, we don't play the rollover game with our customers. We understand exactly how dangerous the rollover scheme can be and how it can keep you in a perpetual state of debt. This tactic can make it nearly impossible to pull yourself out of debt.There are many other great traits that make LendUp much different from other lenders, such as:* Our five-minute application process* 24/7 online access to applications* $250 first-time loan amounts* Instant loan decisions on approval* Free online financial education courses* No hidden fees* Clear and concise loan policies
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What is LendUp?
LendUp is a socially responsible direct lender dedicated to helping our customers meet their short term needs.Learn more about LendUp »
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What people are saying
an innovative new payday loan banking model that’s more Silicon Valley than Wall Street
LendUp is leveraging technology to redefine the payday lending experience, bringing a new level of innovation and transparency to an industry that desperately needs disruption.
...LendUp is a better product than the traditional payday loan.
A lending startup with a heart
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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.