Direct Personal Loans

Navigating finances and monthly expenses can be challenging, and sometimes additional money is needed to cover ongoing bills or unexpected emergency expenses. A personal loan is one way to get the funds you need to cover these costs in the short-term so that you can pay them in a timeframe that works better for you. Whether you are unable to access other forms of credit or simply need help with an emergency expense, a personal loan is a solution for a tricky financial situation. Along with the typical advantages of getting a loan when you need it, LendUp's personal loans come with even more features to help you with your short-term financing needs.

Apply for our personal loans direct from your phone or computer

Customers can apply for a personal loan in as few as 5 minutes. They get an instant loan decision. Good credit is not required to apply for a small personal loan with LendUp. We've provided personal loans to those with bad or poor credit. In fact, our mission is to help those who have poor credit gain access to credit. Our products encourage and reward actions that result in higher credit scores.

In what states are we a direct lender?

With direct lending, you deal directly with your loan provider instead of working through the lending process with an intermediary. LendUp is a direct lender in most states it operates in. From the moment you submit your loan application, to each loan repayment, you will only be dealing with us directly. We are a direct lender in every state that we operate in, with the exceptions of Ohio and Texas, where we serve as a credit access business.

In addition to being a direct lender in most states we are licensed to operate in, LendUp provides you with additional protection because we are a licensed. Unlike other companies that operate offshore or on tribal land to work around state and federal consumer protection laws, we only operate in states where we're licensed. With LendUp, you can have peace of mind knowing that we are officially regulated by and follow the rules of the state and federal government--which protect you as a borrower.

A direct lender with a mission

As a lender, we are transparent as possible with both our fees and our business model, so there's no confusion or unexpected charges for you. If you are approved for a LendUp Loan, you'll know exactly how much you will be repaying and when you will need to make the payments.

We also offer the LendUp Ladder in certain states that we operate in. With the LendUp Ladder, borrowers earn points for responsible actions like repaying their loans on time and taking free financial education courses. At the top tiers of the Ladder (availability varies by state), LendUp can also report your on-time payments to the major credit bureaus, which may improve your credit history over time. Visit the LendUp Ladder page to see if it is available in your state.

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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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Good Credit not Required

Direct Lender

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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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