“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.

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 Arrow pointed right

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

Deborah M.

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

Repay Your LendUp Loan

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

More ways to earn Arrow pointed right

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, 24/7. Anywhere.

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.

Ready to get started?

See for yourself why people choose LendUp

Get Started With LendUp