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19 users recommend
3 users are unsure
13 users don't recommend
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Where does LendUp do business?

LendUp is a direct lender based in San Francisco, CA. It was founded in 2011 and offers access to payday loans in 7 states across the USA.

What loan fees does LendUp charge and what are the equivalent APRs?

LendUp offers payday loans with loan fees ranging from $17 to $44. These loans are meant as a short-term source of credit but if you calculated the annualized percentage rate of those fees you get APRs ranging from 214.13% to 803%.

How much can you borrow from LendUp?

Loan amounts start at $100 and go up to $250.

What is the maximum loan term you can get with LendUp?

LendUp has payday loans with a maximum term of 30 days.

What do you need to qualify for a loan with LendUp?

Applicants with a credit score of at least 450 can apply for a loan via LendUp. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Only U.S. citizens and permanent residents can apply for a loan.

LendUp will also consider borrowers who are unemployed. Active duty servicemembers and their covered dependents cannot apply for a loan via LendUp. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

What is the estimated funding time for a payday loan via LendUp?

LendUp will typically provide a credit approval decision in less than an hour and fund the loan within 1 day.

For more information on payday loans, tribal loans, and their alternatives, read this guide.
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  • Headquarters
  •   237 Kearny St #372
    San Francisco, CA 94108 USA
  •   Visit Site

Message from LendUp

LendUp was founded with one clear, straightforward purpose: to provide anyone with a path to better financial health.


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 7 states
  • California
  • Louisiana
  • Mississippi
  • Missouri
  • Tennessee
  • Texas
  • Wisconsin

Feature Breakdown

Loan Fee $17 - $44
Minimum Age 18
Credit Score Range 450 - 650
850 300 450 650
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Direct Deposit  
Online Application  
Instant Decision  
Loan Amount $100 - $250
Loan Term (Days) Up to 30
APR 214.13% - 803%



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