LendUp Loans

LendUp Loans

in Payday Loans from LendUp


LendUp Loans


in Payday Loans from LendUp

SuperMoney Net Recommendation Score +7


This product is mostly recommended by SuperMoney users with a score of +7, equating to 3.1 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

20 users recommend
4 users are unsure
17 users don't recommend
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Community Rating Mostly recommended
Loan Amount $100 - $500
Loan Fee $17 - $44
Minimum Monthly Income N/A
Number of Reviews 41

LendUp Loans Review

LendUp Loans is offered by LendUp, a direct lender founded in 2011 and based in San Francisco, CA. LendUp Loans is available in 7 states across the USA.

LendUp Loans FAQ

What are the LendUp Loans rates & fees?

LendUp Loans 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 calculate the annualized percentage rate of those fees you get rates ranging from 214.13% to 803%.

How much can you borrow from LendUp Loans?

Loan amounts start at $100 and go up to $500.

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

LendUp Loans has payday loans with a maximum term of 35 days.

What do you need to qualify for LendUp Loans?

Applicants with a credit score of at least 450 and up to 650 may be eligible for LendUp Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

LendUp Loans does not have or does not disclose a minimum annual income eligibility requirement. LendUp Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the LendUp Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by LendUp Loans. Permanent resident / green card holders are also eligible to apply.

Does LendUp Loans run credit checks?

Yes, LendUp Loans will check your credit when you apply for a loan.

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

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

Other Services by LendUp

Message From LendUp

LendUp is a socially responsible lender with a mission to provide anyone with a path to better financial health. We offer loans, free financial education, and, where available, the opportunity to build credit, right from your phone. We're a safer alternative to traditional payday loans because we have no hidden fees or rollovers, and we've been proudly serving our customers for almost a decade.

Message From Our Editor

What we love about LendUp loans

LendUp offers short-term loans to consumers of all financial backgrounds and is an option for people of all credit types. Applying for a loan is easy and fast, and unlike other short-term loan providers they report to credit bureaus. This means your credit may improve if you make regular and on-time payments.

What could LendUp loans do better?

The rates and costs are extremely high. LendUp may market itself as an alternative to payday loans but it still has vertigo-inducing interest rates. It can help towards improving your credit, but it will cost you, and it won’t be fast.

LendUp backstory

LendUp was founded in 2011 with the purpose of providing financial services to borrowers with poor credit, also known as subprime, who typically can't get approved for loans by most banks and credit unions. Their interest rates are still high but they offer access to loans without hidden, credit education and other financial tools and resources designed to help people better manage their credit and plan for the future.

The Verdict

If you are going to get a payday loan, you might as well choose one that reports to credit bureaus when you make on-time payments. LendUp gives you the opportunity to qualify for a loan even when your credit isn't great. Plus, you may see a small improvement in your credit score if you pay on time. According to LendUp, their borrowers have a 6 out 10 chance of seeing a 50-point Vantage score increase after two years. Such a modest improvement is not worth the cost of their fees, but it's a nice bonus if you had to get one anyway.


  Available in 7 states
  • California
  • Louisiana
  • Mississippi
  • Missouri
  • Tennessee
  • Texas
  • Wisconsin

Feature Breakdown

Loan Fee $17 - $44
Checking Account Required
Credit Score Range 450 - 650
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Direct Deposit
Instant Decision
Online Application
APR 214.13% - 803%
Loan Term Up to 35 days
Loan Amount $100 - $500

LendUp Loans Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +7, equating to 3.1 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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