Online Payday Loan Service

LendUp Loans offers a payday loan alternative. So how are we different from traditional payday loan lenders? Simple we offer low rates and have no rollovers or debt traps.

Our application is easy and can be completed completely online from a smartphone or computer. You can even apply in as few as 5 minutes! Once you apply you get an instant decision on loan approval.

In addition, we’re licensed in every state where we operate . This means we abide by laws that are meant to protect consumers.

Why do people use payday loan services?

A payday loan is a very short-term loan that you take out with the intent to pay off with your next paycheck. When an unexpected bill appears it may be challenging to pay for rent and your normal bills. That’s where a payday loan may be helpful for those who can’t borrow from a bank or friends or family.

You might be paid weekly, bi-weekly, semi-monthly or even monthly. If you run out of money before your next paycheck, you could run low on gas, run out of groceries or face a utility shut off (which can lead to large reconnect fees). Late fees also stack up quickly, making your bills grow when you can't make a payment on time.

For example, if you need $250 for car repairs on Wednesday, but you don't get paid for another week and a half, a payday loan could be a solution. Traditional payday loans carry relatively high fees and often demand that you repay them within two weeks. Essentially, the lender gives you the money fast, but makes arrangements to automatically collect the payment from your bank account on your next payday.

Why do customers love our payday loan services?

We put our customers first! LendUp does its best to offer low rates and help customers get on the path to a brighter financial future. From a fast and accessible loan application process to free financial education, we work hard to research what our customers want and need.

For more details on what real customers have to say about LendUp visit the [LendUp customer testimonial page] (https://www.lendup.com/our-customers).

What to know before you apply for our payday loan alternative

One thing you don't necessarily need for a cash advance loan is good credit. While good credit always makes finding financing easier, it is not a requirement to qualify for a LendUp Loan. LendUp uses non-traditional credit checks. To apply for a LendUp Loan, you must:

  • Be a resident in one of the states where LendUp operates

  • Be 18 or older

  • Have a stable source of income

  • Have a standard checking account that can accept electronic transfers (most prepaid debit card accounts will not work)

  • Not be an active military member (or the dependent of one)

If you meet all of these requirements, applying for a loan is quick, easy and painless. Everything is done online with your computer or smartphone. The entire application typically takes less than five minutes, so you will know about the status of your request quickly.

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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


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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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