Get a Payday Loan Online

Almost 50% of Americans don't have enough cash saved to cover an emergency. If you're like the majority, you worry that a major crisis could devastate your savings or checking account. With such little money and overly busy schedules, it comes as no surprise that many U.S. citizens seek financial help from online payday loan lenders.

But we've made it even easier.'s quick loan request applications and limited requirements make it simpler than ever to get a payday loan online when you need it most.

Bad Credit? You Can Still Get a Payday Loan Online!

Most people believe they can't get approved for short-term loans unless they're rocking stellar credit scores. But that is far from the case when you choose — good credit isn't required to apply or gain approval.

How can this be the case, we hear you ask? Well, our lenders rarely perform traditional credit checks! Instead, they run soft inquiries that won't affect your credit rating in most cases.

We've helped countless borrowers with poor to no credit scores gain access to safe, high-quality personal loans.

Things You Need to Apply for Online Payday Loans

Naturally, you need to meet a few requirements to get a payday loan online from a direct lender. However, you'll find our criteria much easier to satisfy than most:

  • You must have a valid email address and phone number.
  • You need to be at least 18 years of age.
  • You need to give us your current contact information, show you have a recurring income source, and have an active checking account open in your name.
  • You can't be an active military member or be the dependent of an active member.
  • You must live in a state where LendUp is licensed to operate.

Our Process

Once you've ensured you satisfy the requirements above, follow the four steps below to get a payday loan online:

  1. Use our form — Our online form should only take five minutes to complete because we just ask for basic information.
  2. We review your information — Upon receiving your application and necessary supporting documents, one of our lenders will review your information.
  3. Wait for our verdict — After careful (but quick) analysis, you will get an immediate lending decision.
  4. Get the money — Finally, the money you require lands in your bank account on the same or next bank working day.

Why Choose

We aren't a lender. We give you the tools you need to rebuild your financial climate and get access to better loan offers from sereral independent direct lenders and so much more:

#1 Our Commitment to Cybersecurity

We use bank-level security with the latest SSL encryption to protect your information. But don't just take our word for it. Check our security by looking at the left side of the URL bar. See the padlock and "HTTPS?" That means we're safe and secure.

#2 Licensed and Regulated Lenders

We're working only with reputable and licensed direct lenders in every state we operate, meaning you benefit from state and U.S. federal laws.

#3 Five-Minute Application

You don't have to spend hours sitting at the bank, wasting your time to get a loan. Our online loan request can be done and dusted in five minutes, enabling you to receive near-instant approvals.

Start Your Request Today to Get a Payday Loan Online!