“You seem to take the
word loan and change
it to opportunity.”

–Mitchell P, LendUp Customer

Fast application • Instant Decision
Direct lender

Why LendUp

LendUp offers a quick online application and instant decisions, 24/7. Good credit isn’t required. We also offer a series of free online education courses designed to boost your financial savvy fast.

Apply in as few as 5 minutes

Instant decision

Good credit not required

Trusted direct lender

Our story...

We’re dedicated to our customers.

Traditionally, payday lenders treat all their customers the same: Repeat borrowers with perfect repayment records are charged the same interest and fees as unproven first-time borrowers.

We think that’s wrong. So we built the LendUp Ladder to incentivize responsible actions and enable borrowers to earn access to apply for larger loans at lower interest rates over time. In states where we offer installment loans, borrowers can even earn access to apply for credit-reporting loans.

And we’re saving our customers real money. The chart you see here is based on the average Annual Percentage Rate, or APR, enjoyed by actual LendUp customers who reside in states with full Ladders and choose the least expensive loan available to them.

LendUp Ladder availability varies by state. Explore the Ladder in California

Industry Average APR for storefront “payday” loans according to the nationwide CFPB study, “Payday Loans & Deposit Advance Products”

LendUp Average APR for loans taken by customers in states with full Ladders who chose the least expensive loan available to them at each level of the Ladder.

Our take on the payday loan industry »

is your story

Hear what LendUp customers are saying:

You guys are absolutely the BEST. Thank you LendUp! I’m seeing the light at the end of the credit score tunnel.

Felicia C, LendUp Customer

This is what customer service is all about... If I can extoll your virtues to the people in charge, pass this along. Not every institution of lending need be so corporate as to forget the human quality.

Mitch, LendUp Customer

This is truly a good honest company that cares about their customers and I could tell that you see us as real people.

Eric B, LendUp Customer

I love your company... Your fees are upfront and reasonable, plus you are easy to get a hold of. You are so transparent. I love it!

Laura V, LendUp Customer

I love that you automatically take the repayment from my bank so I don't have to set any reminders. Thank you.

Tarik K, LendUp Customer

Looking forward to getting my score where it needs to be.

Terrence S, LendUp Customer

Financially this year has been a struggle living paycheck to paycheck, barely making it... You and your team being accommodating with me is a true blessing. I appreciate it so much! THANK YOU from the bottom of my heart!

Benjamin W, LendUp Customer

Thank you very much. I can always count on LendUp!!!

Ashley V, LendUp Customer

You have a great program. I have already paid off and stopped using payday loan lenders. Getting back on track.

Charlie B, LendUp Customer

Incredible customer service, thank you so much!

Burnita B, LendUp Customer

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.

Find out more about our customers

The LendUp Ladder

Earn points. Climb the Ladder. Gain access.

The LendUp Ladder (where available) reflects our commitment to fix what we think is broken about payday lending. By earning points, LendUp borrowers can move up the LendUp Ladder and gain access to apply for more money at lower rates over time. Current availability and levels differ by state. Completing actions such as on time loan repayment or taking our free credit education courses are just a couple of the ways borrowers can earn points!

Start climbing »

The ladder incentive is awesome. It makes me want to pay on time to see the numbers change on my end...

Deborah M., LendUp Customer

How to earn points

Your First LendUp Loan

Welcome to the LendUp Ladder! Earn 125 points when you begin your first loan.

Education Courses

Earn 125 points for completing each of our free education courses. Take Education Course »

good standing
Repay Your LendUp Loan

Repay your loan. On time: 1000 points; extended: 500 points. (Up to 1000 points a month)

More ways to earn »

the Lendup Ladder
State Licensed

Why being licensed & direct matters:

LendUp is a direct lender, which means there’s no anonymous middleman involved, and we don't sell your personal information. State-licensed means you're protected by your state's laws and regulations.

Online and Mobile

Online and mobile, 24/7. Anywhere.

LendUp is all online! Get a loan day or night from the convenience of your phone or desktop. No rushing around to find a local branch before closing time. You want business hours? We've got all of 'em.

You seem to take the word loan
and change it to opportunity.

Ready to get started? See for yourself why people choose LendUp Get Started With LendUp