Get a Payday Loan Online

Did you know that nearly half of Americans don't have enough money saved to pay for an emergency? If you're like most people, you worry that one major expense could wipe out your checking or savings account. And with a busy schedule and commitments, it’s no wonder many Americans turn to applying for payday loans online.

Applying for a Payday Loan Online

A lot of people think that they can't get approved for short-term loans unless they have stellar credit scores. That isn't the case with LendUp. Good credit isn't required to apply for a personal online loan with us.

In fact, we don't perform a traditional credit check, which can temporarily lower your credit score. Instead, LendUp performs a soft credit inquiry that doesn’t affect your credit score with nationwide CRAs. We have approved many borrowers who have poor or no credit get access to a safe, quality loan.

We are also licensed. That means you are also protected by your state and US federal laws. And LendUp won’t sell your information to any third party lenders or spammers, so your private information stays private! Our application for a payday loan alternative takes as little as five minutes. And you’ll get an instant loan decision so you can get on with your day.

Qualifications for Applying for Our Online Payday Loan Alternative

LendUp has a few requirements that you must meet to apply for a payday loan online. In order to qualify, you must:

  • Have a valid phone number and email address
  • Provide your current contact information, including your physical address and email
  • Have an active checking account that lets you accept electronic transfers
  • Show proof that you have a recurring source of income
  • Be 18 or older
  • Live in a state where LendUp is licensed to operate
  • In addition to meeting these requirements, you cannot be an active member of the military or be the dependent of an active member of the military.

How Safe Is It to Get a Payday Loan Online?

LendUp uses bank-level security, with SSL encryption, so that your private information stays private.

You can always check the security of a website by looking for a green padlock in your web browser's address bar. If you don't see the green padlock, don’t trust the site. It also helps to look for the letters "https" at the beginning of the address.

LendUp is licensed in every state where we do business. This ensures that you benefit from the financial protections guaranteed by local state and federal laws.

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