Payday Loans from LendUp Without a Traditional Credit Check

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. LendUp Loans are an alternative to traditional payday loans from a direct lender. A typical payday loan is exactly that: You borrow money against your next paycheck. However, borrowing against your paycheck often imposes several restrictions on this type of lending:

  1. You can't borrow more than you earn in a pay period.

  2. You need to be able to repay the loan quickly.

  3. You need to have enough free cash flow to continue to meet your other financial obligations.

If you take out a payday loan that is equivalent to your next check, you won't have anything left to pay bills or make it to the next paycheck. That leaves you in a cycle where you are lining up your next loan as you pay off the first. Payday loan alternatives can help you avoid that debt cycle and still get the capital you need.

What is a payday loan alternative?

Some payday loan companies gather your personal information and then shop around for a lender. That means your information could go out to third parties as part of the lending process. Other companies will even sell contact information, leaving you dealing with sales calls and spam emails. In most states, LendUp is a direct lender, meaning all funds go from LendUp to you, with no third-party involvement. LendUp will never sell it.

As an alternative to traditional payday loans, LendUp also has several different types of loans A traditional payday loan means you must repay the full value of the loan with your next paycheck. That could leave you in a financial tight spot. LendUp offers up to 30 days 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 I get my loan from LendUp?

LendUp does not have rollovers (taking out a new loan to pay off the old one, which means you never really pay off your loan, leaving you constantly paying on debts). If you can't pay your loan on time, we'll work with you to find a solution — without the dangerous debt traps rollovers can lead to.

Poor credit or a limited credit history can make it difficult to find financing from traditional sources. You might not be able to get a credit card or buy a car without a credit score that meets minimum requirements. That can make it tough to handle emergencies.

LendUp helps by:

  • Giving you access to financial educational materials

  • Allowing you to set flexible repayment terms, even for short-term financing

How is LendUp different?

High rates often go hand in hand with short-term loans, and payday loans often come with some of the highest. As a direct lender, LendUp can often offer lower rates than the competition, and there are no hidden fees. The total cost of the loan is shown upfront, so there are no surprise payments due at the end of the loan or when you pay off the balance.

As a LendUp borrower, you get a personalized dashboard with your loan details laid out clearly. You can log in at any time to see your loan balance or track recent payments. That puts control of your loan in your hands. If you see anything that raises a question, a quick email to customer support can get you an answer. At LendUp, loans are all about your convenience.

A streamlined and quick application process leads to an instant credit decision. Submit the application and get a yes or no right away. Good credit is not a loan requirement, so don't be nervous about applying. An instant decision means you'll know about your loan right away, so you'll have time to pursue alternatives if you don't get approved. All you need to get started is

  • Current contact information, including an email address and telephone number

  • Employment or other income information

  • A bank account that accepts electronic transfers

You don't have to worry about any embarrassing phone calls to your employer; LendUp does not call them. Take the five minutes to put in an application online or using a mobile device and you could have money in as few as 15 minutes (where available; an additional fee may apply) or within one business day. LendUp can't guarantee receipt of your funds within a certain timeframe, though, because although we initiate a transfer of money to you, your bank controls when you'll have access to it.

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 »

Quantcast