LendUp is a licensed lender in several states and is licensed by the California Department of Business Oversight under the Deferred Deposit Transaction Law and California Finance Lenders Law.

Last year, 15 million Americans used a payday loan. Many of these people were looking for a simple fix to a short-term financial problem, but ended up trapped in long-term debt caused by hidden fees, costly rollovers and opaque terms and conditions. This is a big problem.

We have a solution: Ladders, not chutes.

At LendUp we believe there are two types of financial products: chutes and ladders. Ladders help people up, chutes push people down. One of our core values is that every product we offer at LendUp is a ladder, measured by the long-term financial wellbeing of our customers. LendUp loans are a stepping-stone towards better credit, and all the products we offer are in service of commitment to getting our customers to a better financial state.

Why are good, honest people still paying for less responsible borrowers through higher interest and higher fees? We think that is simply not fair. So we are doing something about it. We built a business that succeeds when our customers succeed, not when they stay in debt.

Loan Features

Get one step closer to a brighter financial future with a LendUp loan. When you need money fast, we provide a more secure, convenient alternative to traditional payday lenders who often leave you trapped in never-ending debt cycles.

Applying online takes only a few minutes and decisions are instant. Our clear terms and transparent pricing let you know just what you’re getting, and you don’t ever have to worry about hidden fees.

In eligible states, the LendUp Ladder offers you the chance to improve your credit history while getting the money you need. When you show you’re committed to your financial health, you can move up the Ladder and could gain access to more money as you go. We currently offer a few different ways for you to earn points, such as paying your loans on time, taking our education courses, and sharing testimonials about your LendUp experience. However, these may change over time as we continue to tailor the Ladder to suit your needs.

Credit cards that put you back in charge
Designed for people trying to build credit history. Paying bills on time, keeping your balance low, and having a long credit history, among other things, can help your chances of improving your credit. We offer clear pricing, and there’s no security deposit required.

Application Process

The application requires some personal information (such as your address, income and social security number), plus information for a checking account that can accept electronic transfers. In some states, we may request documents to verify your income; these documents can only be accepted through an upload to our website. You’ll be able to see available loan amounts, durations and pricing before completing your application.

You can set your loan amount and length by adjusting the loan sliders from left to right. Once that’s done, select the “Get Your Money Now” or “Apply Now” button. The laws and our eligibility requirements in some states require us to receive documentation that verifies your income. We can only accept this documentation through an upload to our website.

Repayment Terms

Min. loan amount: $100
Loan term: 7–30 days
Total costs: Depends on your state, loan product, loan amount and the term of the loan.

Customer Support

Mailing Address
237 Kearny St #372
San Francisco, CA 94108

225 Bush St., 11th Floor
San Francisco, CA 94104

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