LendUp offers a quick online application and instant decisions, 24/7. Good credit isn’t required. We also offer a series of free online education courses designed to boost your financial savvy fast.
The LendUp Ladder (where available) reflects our commitment to fix what we think is broken about payday lending. By earning points, LendUp borrowers can move up the LendUp Ladder and gain access to apply for more money at lower rates over time. Current availability and levels differ by state. Completing actions such as on time loan repayment or taking our free credit education courses are just a couple of the ways borrowers can earn points!
“The ladder incentive is awesome. It makes me want to pay on time to see the numbers change on my end...”Deborah M.
Welcome to the LendUp Ladder! Earn 125 points when you begin your first loan.
Earn 125 points for completing each of our free education courses. Take Education Course
Repay your loan. On time: 1000 points; extended: 500 points. (Up to 1000 points a month)
LendUp is a direct lender, which means there’s no anonymous middleman involved, and we don't sell your personal information. State-licensed means you're protected by your state's laws and regulations.
LendUp is all online! Apply for a loan day or night from the convenience of your phone or desktop. No rushing around to find a local branch before closing time. You want business hours? We've got all of 'em.