Online Loans - Instant Loan Decision is a trusted personal loan company here to provide you with a quick, hassle-free alternative to payday loans. We offer short-term loans that deposit directly into your bank account: no waiting or paperwork, and all online. We're here 24/7, ready to receive your application. You can apply in as little as five minutes and, if you’re approved, have money in your account within one business day.

One of the benefits of using LendUp is our rewards system called the LendUp Ladder. If you repay your loan in full and on time, you’ll earn points that could lead to larger loans at lower interest rates (where available). You can also earn extra points by taking our free credit education courses online.

What makes our online loans fast?

Five minutes — that's all you need to complete LendUp's online loan application. We offer loans between $250 and $1,000 (where available). We do not require a traditional credit check or a specific credit score. You also don't need to come in person, talk to a banker or bring documents from all of your bank accounts. When we say that we offer payday loans fast, we deliver on that promise.

Here are some of the many advantages of our loans:

Secure and Private

  • Our online system is safe and secure.

  • We do not sell customer information.


  • Our loans have no hidden fees.

  • We have no rollovers and no debt traps.

  • We have clear credit terms and conditions.


  • All the information you need is at your fingertips on your smartphone or browser. Use your customized dashboard to find your loan amount, interest rate, extensions, notifications and other details.

  • Our US-based customer service team is prepared to answer your questions.

  • You can repay the loan by transferring money from the same checking account used for your loan deposit.


  • We offer free credit education courses online. You can watch these on your schedule to earn LendUp Ladder points.

  • As you build a good history with us, you may qualify for higher loan amounts at lower interest rates (where available). In some states, the upper levels of the Ladder offer credit-reporting loans.


  • You select your loan amount and repayment date.

Needs for a fast online loan?

You can use a LendUp Loan to pay bills, buy groceries or cover emergency expenses — anything for which you’d normally use cash. Visit to learn more about LendUp Loans and the LendUp Ladder.

Get Started Here

Apply for a LendUp Loan here:

What is LendUp?

LendUp is a socially responsible direct lender dedicated to helping our customers meet their short term needs.

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Apply in as few as 5 Minutes

Instant Decision

Good Credit not Required

Direct Lender

What people are saying

Hear from our customers

Testimonials reflect the individual's opinion and may not be representative of all individual experiences with LendUp. Customers received compensation in the form of points on the LendUp Ladder.

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