“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.

Our story is your 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 Arrow pointed right

The LendUp Ladder leads to lower rates

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 vs industry
Chart Key

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.

Chart Key

Industry Average APR for storefront “payday” loans according to a nationwide CFPB study, “Payday Loans & Deposit Advance Products” Read More Arrow pointed right

Our take on the payday loan industry Arrow pointed right

Our customers

Hear what LendUp customers are saying

LendUp Customers
LendUp Customers

“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 Customers LendUp Customers

“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.
Anthony M.
LendUp Customers LendUp Customers

“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.
Anthony M.

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.

More from 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 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