Instant Decision Payday Loans

LendUp's five-minute loan application is safe, simple and secure. Once you apply for a loan you’ll know instantly if you are approved. Our conditions are clearly stated on our website. There are no hidden fees.

Our payday loan alternatives aren't instant, but they’re fast. You don't need perfect credit to apply. We make decisions immediately and usually don't require you to fax or scan more paperwork to our office. If you’re approved, we normally transfer your funds within one business day -- as long as your application is submitted before before 5 p.m. PT (weekdays), see FAQ for more details.

LendUp is a different from some traditional payday loan providers because we aim to be more socially responsible than many payday loan institutions. We design products that help our customers use loans responsibly and have even helped our customers save money. On top of that we offer free financial education to empower our customers to improve their financial health. Our goal is to offer you something better: a fast, secure and transparent loan process.

Sometimes Emergencies are Instant - Payday Loan Alternatives Can Help

Life happens fast, whether it’s a medical emergency or an unexpected car repair an additional expense can spread your paycheck thin. To avoid late fees on important bills that could ding your credit you may consider getting a little help.

If you can’t turn to a bank, friends, or family for some additional credit to cover an emergency expense you may want to consider a payday loan alternative.

You may be asking yourself, “what is a payday loan alternative?”. Well, at LendUp we consider our online loan alternatives to traditional payday loans because they’re built to help our customers succeed. They have no rollovers, which have the potential to trap customers in a debt cycle and we have clear terms and conditions upfront before you submit any personal info. In fact, you choose the loan length and loan amount and you see the APR and total repayment without submitting any personal info.

Fast loan application, instant loan decision and licensed.

LendUp is safe, online 24/7, and easy to use. Our office is headquartered in San Francisco, California. In contrast, a number of payday lenders and loan brokers operate offshore or on tribal territories. This may be a red flag, when considering a payday lender. If a lender is operating offshore or on tribal land that makes it harder for regulators and states to ensure that lenders are abiding by U.S. federal consumer protection laws and state lending regulations. LendUp is different because we're a licensed in all states that we operate in. A payday loan may help with instant or short-term credit needs but we’re here to help your overall financial health.

At LendUp, we want our customers to improve their financial health, a main lever that helps improve our customers’ financial health is improving credit score. That’s why we provide free financial education about understanding your credit score, fixing credit reports, and saving.

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 »