LendUp Payday Loans

Information verified correct on March 24th, 2017

Get an initial loan of up to $250, and then you could look forward to lower rates, in eligible states, over time

LendUp, headquartered in San Francisco, CA, has licenses in a number of states including AL, CA, FL, ID, IL, IN, HI, KS, LA, MO, MS, NM, OH, OK, OR, TN, TX, UT, WA, WI, and WY. They are Credit Services Organization in OH and TX.

Product NameLendUp Payday Loans
Min Loan Amount$100
Max. Loan Amount$250
Loan Term7–30 days
Turnaround Time1 business day
CostsVaries depending on the loan terms and your state of residence.

LendUp offers a unique borrowing platform where you could rebuild your credit history as you move up its LendUp Ladder in eligible states. You can also take advantage of LendUp’s free financial education.

Over time, in those eligible states, you can earn points to climb the LendUp Ladder to apply for larger loans at lower rates. Credit reporting to the major bureaus is offered at the top two levels (optionally at Platinum and automatically at Prime), which could eventually increase your credit history. Earning points is as simple as making on-time loan payments, taking our free financial education courses and referring friends who borrow from us.

Product Information

  • Product Name: LendUp Payday Loans
  • Loan Term: Up to 30 days
  • APR: Varies depending on the loan terms and your state of residence
  • First time borrower maximum: $250

Is LendUp Available In Your State?

LendUp is available in the following states: AL, CA, FL, ID, IL, IN, HI, KS, LA, MO, MS, NM, OH, OK, OR, TN, TX, UT, WA, WI, and WY.

Borrowing from LendUp

LendUp loans in eligible states follow a unique ladder system, where borrowers could potentially climb up the ladder with every subsequent loan they take on and repay completely.

  • Short term loans. The maximum you can borrow through your first LendUp loan is $250, and you can take between seven and 30 days to repay this amount completely. The minimum you can borrow is $100 and, if available in your state, once you reach the prime level, you may be able to borrow more. Once you repay your first loan, you earn points, which work to get you higher up the LendUp Ladder. If you’re eligible able to move up the ladder you may be able to borrow more money the next time around for a longer period of time and at a lower rate. Please see our LendUp Ladder review for eligibility in your state.

How do LendUp Payday Loans compare?

Rates last updated March 24th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
LendUp Payday Loans
Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know
Rates last updated March 24th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
SWIFT Payday Loan
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
$1,000 Varies by lender Next business day APR varies by lender Go to site More
CashNetUSA Loan
Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More
OppLoans Personal Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Cash Central Payday Loan
Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
$5,000 Varies by state 1–2 business days Depends on your credit history and the state you live in. Go to site More
ACE Cash Express Payday Loans
An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
LendUp Payday Loans
Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Why should you consider taking out a LendUp Loan?

LendUp loans have found positive mention through CNN, TIME, Wired, and Financial Times, and not without reason. While these loans are essentially short-term payday loans, they come with a number of features that are worth mentioning:

  • Good credit not required. LendUp has approved people with poor credit. Their mission is to provide money to qualified applicants when they need it.
  • Instant decision on loan. The application takes no more than a few minutes to complete, and you can find out if you’re approved instantly.
  • Credit education. LendUp offers free credit education courses through its website, where everyone (whether they’re customers or not) can learn about topics including credit-related rights, how to establish credit, how to go through their credit reports, find out about the true cost of borrowing.
  • Online personal dashboard. You can check your loan’s status at any time by signing into LendUp’s online platform.

Find out your credit score here

The costs of borrowing from LendUp

All loans that LendUp provides have fees that you have to pay along with the principal amount you borrow. You can find out just how much you’ll end up paying by going through the list of fees and charges detailed on the website. Depending on where you live, you might have to pay a Credit Access Business (CAB) fee, and in case of insufficient funds in your account, you’ll have to pay an NSF fee.

Choose your state from the dropdown menu below to see fee examples:

Alabama

As an Alabama resident, you can take out a single-payment loan with LendUp ranging from $100 to $500. The repayment length can be anywhere from 10 to 26 days. The loan transaction fee can be up to a maximum of 17.25 percent. Here’s a table showing LendUp’s single-payment loan fee examples:

Loan AmountFee RateFee AmountAPR for 14-Day TermTotal of Payments
$100.0017.25%$17.25449.73%$117.25
$150.0017.25%$25.87449.65%$175.87
$200.0017.25%$34.50449.73%$234.50
$250.0017.25%$43.12449.68%$293.12
$300.0017.25%$51.75449.73%$351.75
$350.0017.25%$60.37449.69%$410.37
$400.0017.25%$69.00449.73%$469.00
$450.0017.25%$77.62449.7%$527.62
$500.0017.25%$86.25449.73%$586.25

California

As a California resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 7 to 30 days. The loan transaction fee cannot be more than 15% of the total repayment amount. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$12.80$112.80333.71%
$10030 days$17.30$117.30210.48%
$20014 days$30.40$230.40396.29%
$20030 days$34.90$234.90212.31%
$2507 days$37.10$287.10773.8%
$25014 days$39.20$289.20408.8%
$25030 days$43.70$293.70212.67%

As a California resident, you can also take out an installment loan with LendUp ranging from $100 to $1,000. The repayment length varies depending on the loan amount. The loan transaction fee is $50 or 5% of the loan amount (whichever is less). LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s installment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterestRepayment AmountAPR
$1002 payments$5.00$3.58$108.5868.02%
$2502 payments$12.50$8.77$271.2767.45%
$5006 payments$25.00$37.39$562.3941.6%
$1,00012 payments$50.00$131.01$1,181.0131.89%

Florida

As a Florida resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 7 to 26 days. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$15.00$115.00391.07%
$100.0030 days$15.00$115.00182.5%
$200.0014 days$25.00$225.00325.89%
$200.0030 days$25.00$225.00152.08%

Hawaii

As a Hawaii resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 7 to 28 days. The loan transaction fee can be up to a maximum of 15 percent. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$17.00$117.00443.21%
$100.0028 days$17.00$117.00221.61%
$200.0014 days$34.00$234.00443.21%
$200.0028 days$34.00$234.00221.61%

Idaho

As an Idaho resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 7 to 31 days. The loan transaction fee can be up to a maximum of 15 percent per hundred dollars. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$19.90$119.90518.82%
$100.0030 days$24.10$124.10293.22%
$200.0014 days$44.90$244.90585.3%
$200.0030 days$49.10$249.10298.69%

Illinois

As an Illinois resident, you can take out a single-payment loan with LendUp ranging from $100 to $500. The repayment length can be anywhere from 13 to 30 days. The loan transaction fee can be up to a maximum of 15 percent. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$10.70$110.70278.96%
$100.0030 days$14.90$114.90181.28%
$200.0014 days$26.20$226.20341.54%
$200.0030 days$30.40$230.40184.93%

Indiana

As an Indiana resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 14 to 30 days. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$10.20$110.20265.93%
$100.0030 days$15.00$115.00182.5%
$200.0014 days$25.20$225.20328.5%
$200.0030 days$30.00$230.00182.5%

Kansas

As a Kansas resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 7 to 30 days. The loan transaction fee cannot be more than 15% of the total repayment amount. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$10.20$110.20265.93%
$10030 days$14.40$114.40175.2%
$20014 days$25.20$225.20328.5%
$20030 days$29.40$229.40178.85%

As a Kansas resident, you can also take out multi-payment loans with LendUp ranging from $100 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$250.004 Mo.$0.00$18.75$268.7535.48%
$400.006 Mo.$0.00$42.43$442.4335.51%
$800.009 Mo.$0.00$103.24$903.2429.99%
$1,000.0012 Mo.$0.00$168.38$1,168.3829.75%

Louisiana

As a Louisiana resident, you can take out a single-payment loan with LendUp ranging from $100 to $350. The repayment length can be anywhere from 7 to 30 days. The loan transaction fee cannot be more than 15% of the total repayment amount. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$12.80$112.80333.71%
$10030 days$17.00$117.00206.83%
$20014 days$30.40$230.40396.29%
$20030 days$34.60$234.60210.48%

As a Louisiana resident, you can also take out multi-payment loans with LendUp ranging from $250 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$250.004 Mo.$25.00$17.10$292.1079.45%
$400.006 Mo.$40.00$38.69$478.6965.28%
$600.009 Mo.$50.00$42.09$692.0935.71%
$1,000.0012 Mo.$50.00$117.64$1,167.6429.79%

Maine

As a Maine resident, you can take out a single-payment loan with LendUp ranging from $100 to $250, in some cases up to $350. The repayment length can be anywhere from 7 to 30 days. The loan transaction fee can be up to $25 for more than $250. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$15.00$115.00391.07%
$100.0030 days$15.00$115.00182.5%
$250.0014 days$25.00$275.00260.71%
$250.0030 days$25.00$275.00121.67%
$350.0030 days$25.00$375.0086.9%

Minnesota

As a Minnesota resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 7 to 30 days. The loan transaction fee is up to 10% plus $5. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$10.20$110.20265.93%
$10030 days$14.40$114.40175.2%
$20014 days$14.20$214.20185.11%
$20030 days$18.40$218.40111.93%

As a Minnesota resident, you can also take out multi-payment loans with LendUp ranging from $250 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$250.004 Mo.$12.50$14.83$277.3351.4%
$400.006 Mo.$20.00$30.96$450.9642.45%
$800.009 Mo.$40.00$62.47$902.4729.77%
$1,000.0012 Mo.$50.00$119.40$1,169.4029.92%

Mississippi

As a Mississippi resident, you can take out a single-payment loan with LendUp ranging from $100 to $400. The repayment length can be up to 30 days. The loan transaction fee is up to 20%. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$19.50$119.50508.39%
$100.0030 days$19.50$119.50237.25%
$200.0014 days$39.00$239.00508.39%
$200.0030 days$39.00$239.00237.25%

Missouri

As a Missouri resident, you can take out a single-payment loan with LendUp ranging from $100 to $250 (up to $500 for well-qualified applicants). The repayment length can be anywhere from 14 to 30 days. The loan transaction fee is up to 25%. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$20.20$120.20526.64%
$10030 days$24.40$124.40296.87%
$20014 days$45.20$245.20589.21%
$20030 days$49.40$249.40300.52%

As a Missouri resident, you can also take out multi-payment loans with LendUp ranging from $100 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$250.004 Mo.$0.00$98.91$348.91177.71%
$400.006 Mo.$0.00$230.96$630.96177.76%
$800.009 Mo.$0.00$123.85$923.8535.76%
$1,000.0012 Mo.$0.00$203.94$1,203.9435.73%

New Mexico

As a New Mexico resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The loan transaction fee is up to $15.50 per $100 loaned and can include an additional $0.50 for each new loan. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFinance ChargeRepayment AmountAPR
$10030 days$15.20$115.20184.93%
$20030 days$30.70$230.70186.76%
$25030 days$38.45$288.45187.12%

As a New Mexico resident, you can also take out multi-payment loans with LendUp ranging from $100 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$250.004 Mo.$0.00$65.68$315.68120.37%
$400.006 Mo.$0.00$151.63$551.63120.43%
$800.009 Mo.$0.00$102.20$902.2029.69%
$1,000.0012 Mo.$0.00$167.91$1,167.9129.67%

Ohio

As an Ohio resident, you can take out a single-payment loan with LendUp charging $22.50 per $100 plus other charges and interest. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthCSO FeeLender InterestRepayment AmountAPR
$100.0030 days$22.50$2.49$124.99304.04%
$250.0030 days$56.25$6.24$312.49304.12%
$500.0030 days$112.50$12.49$624.99304.14%

Oklahoma

As an Oklahoma resident, you can take out a single-payment loan with LendUp ranging from $100 to $500, and can be up to $500. The repayment length can be anywhere from 12 to 30 days. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$10.20$110.20265.93%
$10030 days$14.40$114.40175.2%
$20014 days$25.20$225.20328.5%
$20030 days$29.40$229.40178.85%

As an Oklahoma resident, you can also take out multi-payment loans with LendUp ranging from $100 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$800.009 Mo.$0.00$91.55$891.5526.69%
$1,000.0012 Mo.$0.00$150.26$1,150.2626.67%

Oregon

As an Oregon resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 31 to 60 days. The loan transaction fee is up to 36% plus origination fee. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10031 days$13.05$113.05153.65%
$10060 days$15.91$115.9196.79%
$20031 days$26.11$226.11153.71%
$20060 days$31.83$231.8396.82%

As an Oregon resident, you can also take out multi-payment loans with LendUp ranging from $100 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$250.004 Mo.$0.00$18.87$268.8735.71%
$400.006 Mo.$0.00$42.69$442.6935.72%
$800.009 Mo.$0.00$103.11$903.1129.95%
$1,000.0012 Mo.$0.00$169.43$1,169.4329.93%

South Carolina

As a South Carolina resident, you can also take out multi-payment loans with LendUp ranging from $610 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$610.004 Mo.$0.00$244.54$854.54179.93%
$750.004 Mo.$0.00$300.67$1,050.67179.93%
$1,000.005 Mo.$0.00$491.30$1,491.30179.91%

Tennessee

As a Tennessee resident, you can take out a single-payment loan with LendUp ranging from $100 to $400. The repayment length can be up to 31 days. The loan transaction fee is up to 15%. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$16.60$116.60432.79%
$10030 days$16.60$116.60201.97%
$20014 days$33.20$233.20432.79%
$20030 days$33.20$233.20201.97%

As a Tennessee resident, you can also take out multi-payment loans with LendUp ranging from $350 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s installment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$800.009 Mo.$32.00$71.03$903.0329.93%
$1,000.0012 Mo.$40.00$128.61$1,168.6129.79%

Texas

As a Texas resident, you can take out a single-payment loan with LendUp charging $25.00 per $100 plus other charges and interest. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthCAB FeeLender InterestRepayment AmountAPR
$100.0014 days$25.00$0.47$125.47664.04%
$250.0014 days$62.50$1.19$313.69664.20%
$500.0014 days$125.00$2.37$627.37664.14%

As a Texas resident, you can also take out multi-payment loans with LendUp ranging from $350 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$800.009 Mo.$32.00$71.03$903.0329.93%
$1,000.0012 Mo.$40.00$128.61$1,168.6129.79%

Utah

As a Utah resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be from 7 to 30 days. The loan transaction fee has a daily rate of 0.6557 percent plus origination fee. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment amountAPR
$100.0014 days$14.18$114.18369.69%
$100.0030 days$24.67$124.67300.15%
$200.0014 days$28.36$228.36369.69%
$200.0030 days$49.34$249.34300.15%
$500.007 days$47.95$547.95500.05%

Washington

As a Washington resident, you can take out a single-payment loan with LendUp ranging from $100 to $500. The repayment length can be up to 40 days. The loan transaction fee is up to 15%. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$15.00$115.00391.07%
$10030 days$15.00$115.00182.5%
$20014 days$30.00$230.00391.07%
$20030 days$30.00$230.00182.5%

Wisconsin

As a Wisconsin resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be from 7 to 30 days. The loan transaction fee is up to 25%. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$10014 days$24.00$124.00625.71%
$10030 days$24.00$124.00292%
$25014 days$60.00$310.00625.71%
$25030 days$60.00$310.00292%

Wyoming

As a Wyoming resident, you can take out a single-payment loan with LendUp ranging from $100 to $250. The repayment length can be anywhere from 7 to 28 days. Here’s a table showing LendUp’s single-payment loan fee examples:

Amount AdvancedLoan LengthFeeRepayment AmountAPR
$100.0014 days$9.03$109.03235.42%
$100.0028 days$18.06$118.06235.42%
$250.0014 days$22.58$272.58235.48%
$250.0028 days$45.16$295.16235.48%

As a Wyoming resident, you can also take out multi-payment loans with LendUp ranging from $100 to $1,000. The repayment length varies depending on the loan amount. LendUp also charges varying interest for its installment loans. Here’s a table showing LendUp’s multi-payment loan fee examples:

Amount AdvancedLoan LengthAdministrative FeeInterest ChargeRepayment AmountAPR
$250.004 Mo.$0.00$18.87$268.8735.71%
$400.006 Mo.$0.00$42.69$442.6935.72%
$800.009 Mo.$0.00$123.85$923.8535.76%
$1,000.0012 Mo.$0.00$203.94$1,203.9435.73%

Are LendUp loans safe?

LendUp only does business in states where it’s licensed, and it does so in accordance to the rules and regulations that pertain to loans in that state. It also offers help over the phone and via email through its call center.
Is LendUp safe to use?

How to apply for a loan from LendUp

You can apply for a LendUp loan online, with the process taking around five to 10 minutes. Make sure you meet the certain requirements.

Eligibility criteria:

  • You have a valid checking account
  • You are a permanent resident or a citizen of the US


During the application process, you may also be asked to provide the following documentation:

  • Personal details including your name, date of birth, and social security number
  • Contact details including your home address, email address, and phone number
  • Details about your financial situation

Frequently asked questions

What kind of bank account do I need to apply?

To apply for a LendUp Loan, you’ll need to have a checking account that accepts ACH transfers. Unfortunately, prepaid debit cards and savings accounts cannot be used.

How can I find out about my application’s status?

After you complete your application, you simply have to login and visit LendUp’s customized dashboard for this information.

How long does it take for the money to be transferred to my account?

You have the option to choose your preferred deposit method:

  • Standard/Next Business Day: We process approved loans and send the transaction to your bank via ACH at 5 p.m. PT Monday through Friday (excluding federal banking holidays). Banks typically post the funds to your account by the next business day; actual posting time depends on your bank and may, in some cases, take more than one business day.
  • 15-Minute Transfer: 15-Minute Transfer is an optional service available to customers in select states wherein if your debit card is supported, you may choose a third-party service that enables LendUp Loan funds to be transferred to your bank within 15 minutes of application approval. Your bank determines when the funds are available to you; usually it’s soon after it receives the funds, but it may be longer. Use of 15-Minute Transfer is not required for a LendUp Loan, and an additional fee will apply. We will provide an estimate of the amount of the third-party fee, but the actual amount may vary depending on your repayment schedule, changes to the outstanding balance that you and we may agree to, and other factors. Please note Standard/Next Business Day funding is always available, even if 15-Minute Transfer is not available in your state.
  • 15-Minute Transfer is available in AL, ID, IN, ME, MO, MS, NM, and UT
  • Same-Day (Wells Fargo only): If you have a Wells Fargo checking account, you are eligible to select our Same Day deposit service (as long as you complete the application process before 11 a.m. PT on business days only). Your funds should appear in your bank account by 2 p.m. PT the same day. Additional fees may apply.
  • Same-Day funding is available in AL, ID, IN, ME, MO, MS, NM, and UT

After paying off my first loan, how quickly can I apply for another?

Once you pay your first LendUp loan completely, there is usually a waiting period of three to four days before you can apply for another loan. There may be other restrictions as well, depending on your state.

How do I make payments?

An automatic payment program draws funds from the same account where you receive your money in the first place. They also accept payment by MoneyGram and personal check.

Are payday loans available in my state?

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