Payday Loans Online - Apply for a Payday Loan

Payday Loans - Finding the Alternative

Payday loans have been in the news a lot recently, but not all short-term loans carry the same risks. Through LendUp, you gain access to alternative payday loans provided by a network of licensed lenders.

The benefits of using LendUp's platform include:

  • No hidden fees. Our platform shows you the terms of your loan upfront. With LendUp, the terms of your loan are clear before entering into an agreement so you can make the best decision for you.
  • No hard credit check. We work with many direct lenders who do not check your credit score via FICO.
  • Get rewarded for good behavior. Traditional payday lending models offer you the same loan regardless of your payment history over time. Through LendUp's network, you might access benefits such as the LendUp ladder (where available), allowing you to access more money at lower rates over time as you repay your loans on time.
  • No rollovers. Many payday lenders trap borrowers in a never-ending cycle of debt by forcing them to take out a new loan to pay off an old one - a practice called “rollovers”. Most of the lenders in LendUp's network do not allow rollovers. Instead, they work with customers to find a payment plan that’s best for them.
  • Securing your data. LendUp's network of lenders will not sell your information to anyone. Many online payday lenders are actually lead generators who sell your information to other companies; LendUp ensures that customer data is secured inside our network.
  • Quick processing time. When you apply through LendUp, you'll get an instant loan decision.
  • Direct deposits. If approved through one of LendUp's lenders, the money could be deposited into your bank account in as little as one business day, depending on your bank and when you were approved.

What is a payday loan alternative?

As an alternative to traditional payday loans, LendUp through its network also offers several different types of personal loans. Traditional payday loans require you to repay the full value of the loan with your next paycheck, which could leave you in a financial tight spot. LendUp's network offers more time for repayment. The added flexibility makes it much easier for you to repay these alternative loans without failing to meet other financial obligations.

Why should you get your payday loan from LendUp's network?

Wide range of options. Through LendUp's network, you gain access to various lenders offering payday loans, installment loans, and personal loans, increasing your chances of finding the right loan for your needs.

Personalized offers. Based on the information you provide, you’ll receive loan offers that match your financial situation, allowing you to choose the best option without the need to apply multiple times.

Poor credit or a limited credit history can make it difficult to find financing from traditional sources.

LendUp's network helps by giving you access to financial educational materials.

How is LendUp different from direct payday lenders?

High rates often go hand in hand with short-term loans, and payday loans often come with some of the highest. LendUp's network is transparent, with no hidden fees. The total cost of the loan is shown upfront.

A streamlined and quick application process on LendUp's platform leads to an instant credit decision. Good credit is not a loan requirement, opening up access to those in need. All you need to get started is current contact information, including an email address and telephone number, employment or other income information, and a bank account that accepts electronic transfers.

Multiple Offers with One Application: By applying through LendUp's network, your single application reaches multiple direct lenders. This not only increases your chances of getting approved for a loan but also saves you time. Instead of applying individually to numerous lenders, you fill out one form and get offers tailored to your needs.

Frequently Asked Questions

LendUp is a socially responsible direct lender alternative dedicated to helping our customers meet their short term financial needs. We offer access to loans, free financial education, and, where available, the opportunity to potentially build credit history. And you can do this all online. We believe LendUp offers a safer alternative to traditional payday loans because we offer more options, no debt traps, or hidden fees.

A payday loan (also known as a "cash advance", "payday advance", "payroll advance", "check advance", "paycheck advance", or "deferred deposit") is a common solution for immediate, short-term financial needs often caused by unexpected changes in income and/or expenses. Below are a few reasons why people might take out a payday loan: Unexpected emergency expenses like medical bills, household expenses, auto repair, etc Help paying for everyday expenses like rent, food, and utility bills in between paychecks Note: Payday loans are expensive lines of credit and should only be used for short-term financial needs. We do not recommend taking out a payday loan for the purpose of paying off credit cards or other types of unsecured or secured debt.

To be considered for loan approval, you'll need to supply the following: Your home address, Your income amount, Social security number, Information for a checking account that can accept electronic transfers, In some states, lenders may request documents to verify your income. Note: Depending on the type of loan you apply for, we may evaluate your ability to pay off the loan to make sure you do not get stuck in a loan you cannot afford.

Even if you have bad credit, you can still apply for a loan using LendUp. Our average applicant’s vintage score is only 550, and our lenders look at other data points that go beyond traditional credit scores when making a decision on an application.

Payday lenders in many cases don’t run hard credit checks. Payday lenders will often use applicants’ income as an alternative way to assess the risk of issuing a loan.

Our application process is entirely online for your convenience. There’s no need to leave your home to apply at a location in your area. Decisions are instant, and if you’re approved we can send money straight to your bank account.

Yes. is an online lending platform, so you're welcome to apply for a payday advance through our website 24/7. If you're approved for a loan before 5 p.m., money could be deposited in your account in as little as one business day. If you're approved for a loan after 5 p.m., or on weekends or holidays, it can take a little longer to receive your funds.

LendUp offers access to short-term personal loans that we believe are a better alternative to a traditional payday loan. Below are some benefits of loans using LendUp: You don’t need to worry about hidden fees or debt traps. We want our product to solve a need, not take advantage of you. You don't need to go to a local payday loan store. As an online lender platform, LendUp lets you get a loan from the comfort of your own home. We have an in-house, U.S.-based customer service team available to answer questions online. We’re committed to forging long-term relationships with our customers. If you have ongoing financial needs, we want you to feel like you can rely on LendUp.

Get Your Loan with LendUp

LendUp is a fintech service that streamlines the process of connecting borrowers with direct lenders. Our automated platform enables you to easily apply for loans up to $5,000 through a simple online form, designed to match you with loan options that meet your specific needs.

Apply in as Few as 5 Minutes

Instant Loan Decision

Bad Credit is Considered

Direct Lender Alternative

Same-Day Funding Possibility