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.
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.
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 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.
“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.
“I’ve worked with LendUp to cover some unexpected car issues and some work issues that popped up. Thank you LendUp for being hands on and supportive when I needed you most.”Pierre J.
“I want to thank LendUp for giving me the opportunity to get some extra money with the security that I was going to a safe lender. It really helped me get out of a jam.”Heather H.
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.
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!
“The ladder incentive is awesome. It makes me want to pay on time to see the numbers change on my end...”Deborah M.
Welcome to the LendUp Ladder! Earn 125 points when you begin your first loan.
Earn 125 points for completing each of our free education courses. Take Education Course
Repay your loan. On time: 1000 points; extended: 500 points. (Up to 1000 points a month)
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.
LendUp is all online! Apply for 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.