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Cash Advances

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Last Updated: 04/18/2025

Not Currently Available

LendUp Loans

in Cash Advances from LendUp

Last Updated: 04/18/2025

Mostly recommended39 total votes

20 users recommend

4 users are unsure

15 users don't recommend

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Highlights

Community Rating

Mostly recommended

Key Takeaway 3

N/A

Amount Range

$100 - $500

Fee

$17 - $44

Minimum Monthly Income

N/A

Number of Reviews

LendUp Loans Review

LendUp Loans is no longer available to new customers on SuperMoney.

Click here to compare and quickly find the best options for your needs.

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

LendUp Loans FAQ

What rates and fees does LendUp Loans charge?

LendUp Loans offers advances with 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 cash can you access from LendUp Loans?

Advances start at $100 and go up to $500 depending on how much you qualify for.

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

LendUp offers avances 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.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by LendUp Loans.

Does LendUp Loans run credit checks?

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

What is the estimated funding time for a cash advance via LendUp Loans?

LendUp Loans will typically approve (or deny) applications within hour and fund the cash advance as soon as 0 business day of approval.

Is LendUp a legit company?

LendUp was founded in 2011, it is a well-established company that has been in business for 15 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

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Message from LendUp Loans

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.

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Headquarters

237 Kearny St #372

San Francisco, CA 94108

(855) 253-6387

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