Reviews of our Payday Loan Alternative

As you look for a lender, it may be helpful to read customer reviews to ensure that you borrow from a reputable loan company. A great resource for seeing LendUp reviews from a 3rd party is Trustpilot. Here you can read customer reviews from verified customers and see if LendUp is the right fit for you.

LendUp reviews: What actual customers have to say

You can also hear from our customers directly by visiting our customer testimonial page which has videos of customers sharing why they love LendUp. For easier access see some written testimonials below:

“You seem to take the word loan and change it to opportunity.” – Mitchell P. Los Angeles, CA

"You have helped every step on the way. It’s fast, easy, no hoops to jump through and you actually care about me, it’s so refreshing." --Christine H., California

"I wish I had known about LendUp sooner. You guys are absolutely the BEST... Thank you LendUp!!! I'm seeing the light at the end of the credit score tunnel." --Felicia C.

“I can tell this is a different type of service, one that actually cares about its customers. The website is easy to use and you are honest with your product, which is really refreshing, considering most lenders in this industry are just out to get you.” Gustavo, Marina Del Rey, CA

"At LendUp, you treat everyone equally and it really makes me feel hopeful about my future.” Pamela, Sunnyvale, CA

Testimonials are from actual LendUp customers. Customers may have received LendUp incentives in return for participating in an interview.

Why we have top reviews for our payday loan alternative?

There are many reasons why LendUp is a top payday loan company, such as:

Quick applications: At LendUp, you can apply for a short-term loan anytime. The whole process is online and can take as little as five minutes. Decisions are instant, and the money can be in your account the next business day (as long as you apply by 5 p.m. PT on a weekday).

Fully licensed: LendUp only does business in states where we are licensed, and we always abide by local, state and federal laws. Some payday loan lenders try to get around federal law by setting up headquarters offshore or on tribal land.

Free financial education: At LendUp, we want to help you build credit when we can. That's why we offer free personal finance courses. Also, if you reach the top tier of the LendUp Ladder, we may be able to report your responsible borrowing activity to major credit bureaus (which could result in a higher credit score).

Why LendUp wants to help?

In the United States, more than 150 million people can't get access to credit from traditional banking institutions. This means that, if the unexpected happens, like a delayed paycheck or car maintenance issue, many Americans can't get the necessary cash to handle the situation.

This is because of poor credit scores. Over 50 percent of Americans have credit scores below 680, which for many financial companies is the cutoff line for credit approval. This has made payday loans the only source of money for many when they have short-term cash flow issues.

It’s LendUp’s goal to provide anyone with the path to better financial health.

Getting a Payday Loan Alternative from LendUp

If you are at least 18, have a recurring source of income, aren't a member of the military (or a dependent of one) and have a checking account able to receive electronic transfers, you can apply for a LendUp short-term loan. Before you apply, though, make sure you can pay back the money on time. For more information on applying and getting approval for a LendUp payday loan, check our FAQ. LendUp operates in many states across the country and has received many good payday loan reviews. That's because our lending model is different from others.

Additionally, some borrowers particularly like that we don't have rollovers or hidden fees and are very clear on terms and conditions. This keeps you from falling into a debt trap.

Other reasons for LendUp getting some of the best payday loan reviews on popular review sites include ease of use, good customer service and reasonable interest rates.

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What is LendUp?

LendUp is a socially responsible direct lender dedicated to helping our customers meet their short term needs.

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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.

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