LendUp Loans is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +13
Mostly recommended39 total votes
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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
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.
Other Services by LendUp
Credit Cards
5
3
8 Reviews
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +13, or 3.3 on a 5-point rating scale.
+13
-1000+100
No one recommends
Everyone recommends
LendUp Loans Community Reviews
Would you recommend LendUp Loans to your friends?
JS
Judith S.
Mar 5, 2020
May or may not recommend
Initially, I thought "great idea". However, the more I tried to utilize, the more trouble I encountered, and found it difficult to impossible to contact anyone to help. Email is never answered the same day, NO phone numbers or person-contact given, Plait feature makes unreasonable demands and is not possible to complete if you have to bounce back and forth from email to LendUp portal. Before you can enter the ...Show More
BS
Bill S.
Sep 24, 2019
May or may not recommend
Excellent service. No misleading information. Up front on all loan information. True to its advertising.
Gail M.
Aug 9, 2019
May or may not recommend
The ladder is a lie when they first started it was a great company but after 2 years with them they started predatory lending you borrow 500 they want 800 back no matter if you pay off early
U
Anonymous
Aug 1, 2019
May or may not recommend
I recently changed my bank account information due to having to close the other acount because of fraud. I was told that the representative that updated my account "mistakenly" added my account information to another customer's account and now I am no longer able to use my account information. Does this seem like some intentional fraud on their part? I am not sure what to do at this point ...Show More
U
Anonymous
Jul 16, 2019
May or may not recommend
Having been a Customer for several years and never missed or been late ever on any payments and having a history of never getting denied for the installment loan of $1000.00, now, they all of a sudden deny me saying that my income is insufficient. Excuse me? My income is even higher now then previous. I will soon delete this company from my computer for good ...Show More
LR
Legal R.
May 25, 2019
May or may not recommend
I have gotten several small payday loans from LendUp this year, and I paid them back on the due dates. For my present loan, I realized that I would not be able to meet the due date, so one week in advance of the due date, I asked for an extension of time to pay. All I got was the runaround from a lady named Sarah. ...Show More
YC
Y C.
Aug 30, 2018
May or may not recommend
This company is very good. I think they have a good service especially compared to all other payday Loans. They give you extra time without a problem. And the best is that they help you build credit.
U
Anonymous
Jul 30, 2018
May or may not recommend
Best loan company for payday loans. Rates lower than most
MV
Maria V.
Jul 24, 2018
May or may not recommend
Currently on gold with LendUp, its a payday loan so it's a single re-payment loan. I don't have any issue with the past 5 loans with them. LendUp allowed me to borrow money where no one else did due to my lack of credit & low credit score. The APR may be high but it's UI shows all you need to know about how much it would be when its ...Show More
U
Anonymous
Feb 28, 2018
May or may not recommend
Asked them to remove a late payment from my credit report was told that they weren't allowed to spoke to a supervisor was told to put in writing for them to review. And was told outright that it would not be removed
U
Anonymous
Jan 28, 2018
May or may not recommend
LendUp is always as good as the smell of money! I am getting my payday loans online successfuly with LendUp and other good online payday loan company is Tammy's Cash. This both payday loan company is helping to get payday loan easily. Thanks to LendUp and Tammy's Cash.
U
Anonymous
Nov 9, 2017
May or may not recommend
I've been with Lend UP for two years, while you do start out at the bottom it was not hard to climb the ladder. They cost less then the average pay day loan, and they give you 30 days instead of 14 and still be 6 dollars less than check into cash. after a few loans i was able to get the installment loans with credit reporting . And they ...Show More
Amber
Nov 6, 2017
May or may not recommend
Thieves. Don't borrow from them, they are liars and scammers
TC
Teri C.
Aug 8, 2017
May or may not recommend
LendUp is a great resource for short term money. No problems at all.
U
Anonymous
Aug 3, 2017
May or may not recommend
I am not one to review, but have to as I am a user of lendup, I am currently a prime user and have 14,500 points and did all the education classes, which gave me higher limits at the beginning. I only came across this website, when searching ladder points and seeing if $500 is the highest.
I have 2 loans out right now.
Single-payment Loan
OUTSTANDING
???? Extend ...Show More
U
Anonymous
May 2, 2017
May or may not recommend
I have received loans from this company for about 6 months i am very satisfied nice place to lend from and reasonable timetable for payday loan.
U
Anonymous
Mar 19, 2017
May or may not recommend
Here is how lendup rips off people
They have a so called lendup up ladder,,you start at bottom at high interest,,as you go up the ladder,,,to top you reach so called prime rates
And you supposedly have the ability to get installment loans,,
You will never get the prime interest loan,,they have every excuse not to loan you
But you can allways get the high interest 250 loan
So ladder is fake,,and there's there ripoff
U
Anonymous
Dec 8, 2016
May or may not recommend
My installment loan was repaid early. However, the check sent was $300 over what was actually owed. So far, I've gotten nowhere with them when asking for a refund of the overpayment. When you email their help desk, you get an ambiguous canned response back. I've called twice to be told my refund would take 60 days once they've confirmed my address. When I asked ...Show More
U
Anonymous
Oct 10, 2016
May or may not recommend
I love it low fee customer service are very friendly and the send you email to let you know when you loan due
Jason X.
Jul 6, 2016
May or may not recommend
Great payday alternative. Everything is super simple: registration, getting and repaying loan, contacting customer support.
If you want your activity to be reported to the credit agencies, then read their FAQ first. Right now this option is available only for these states: CA, KS, LA, MN, MO, NM, OK, OR, TN, TX and WY.
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