7 loans like LendUp to improve your credit in 2021| finder.com

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Compare sites like LendUp

LendUp allows people with bad or no credit to get short-term loans when money is tight.

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Editor's choice: OppLoans Installment Loans

OppLoans Installment Loans logo
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms
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LendUp is one of a handful of payday lenders that reports on-time to the three major credit bureaus. This makes it possible to improve your credit when you take out a loan — and qualify for a better deal the next time around. But it has run into some trouble with regulators after it failed to report repayments as often as it promised and overcharging service members.

We reviewed over 250 payday, installment and personal loans before coming up with this list of alternatives. In January 2021, we updated it to focus on providers that accept bad credit that can have a positive impact on your credit.

Our top 7 picks like LendUp

OppLoans Installment Loans

4.4 / 5 ★★★★★

Like LendUp, OppLoans offers installment and title loans that can improve your credit score. But you can borrow larger amounts right away, and its APRs — while high — are lower than what LendUp offers first-time borrowers. But it's a little harder to qualify for than LendUp. It requires you to get your monthly income via direct deposit into a bank account that is at least 90 days old.
  • Loans up to $5,000
  • Lower APRs than LendUp
  • Turnaround as soon as one business day
  • No loans under $500
  • Must get paid with direct deposit
  • Must have a bank account for at least 90 days
Min. Amount$500
Max. Amount$5,000
Interest rate typeFixed
Loan Term9 to 24 months
Turnaround time1 business day

NetCredit personal loans

2.7 / 5 ★★★★★

NetCredit offers installment loans to borrowers of all credit types. While its interest rates are high compared to a personal loan, they're much lower than what you'll find with LendUp. But skip this lender if all you need is a few hundred dollars — NetCredit's installment loans start at $1,000.
  • Rates from 34% to 155% APR
  • Borrow up to $10,500
  • Terms as long as five years
  • No loans under $1,000
  • Mixed online reviews
Interest Rate TypeFixed
Min. Credit ScoreNo minimum
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term0.5 years

Monevo personal loans

4.4 / 5 ★★★★★

Monevo is a service you can use to get connected with a personal loan provider. It has options for good, fair and bad credit and can help you find a personal loan as low as $500. And because its partners only offer personal loans, rates stop at 35.99% APR.
  • No rates higher than 36% APR
  • Personal loans for bad credit available
  • Compare multiple offers
  • No loans under $500
  • Might receive calls and emails from partners
  • Limited to partners in its network
Interest Rate TypeFixed
Min. Credit ScoreNone
Turnaround TimeVaries by lender
Maximum Loan Term12 years
Minimum Loan Term0.25 years

Even Financial personal loans

4.25 / 5 ★★★★★

Even Financial is a connection service that helps people with credit scores as low as 550 find a personal loan. Sites like these help you avoid payday loans by allowing you to compare multiple offers from long-term lenders. But it doesn't offer loans under $1,000.
  • Rates stop at 35.99% APR
  • Compare multiple offers
  • Accepts 550 credit scores
  • Limited to offers from Even's partners
  • No loans under $1,000
Interest Rate TypeFixed
Min. Credit Score550
Turnaround TimeVaries
Maximum Loan Term7 years
Minimum Loan Term2 years

MoneyLion Credit Builder Plus personal loans

MoneyLion's Credit Builder Plus personal loan is resigned to help people with bad or no credit build their credit scores. It offers lower APRs than you'll find with almost all bad credit providers and there is no minimum. But you won't receive your funds right away. Your repayments go into a locked savings account that you can access after you pay off the loan. And you have to pay a monthly membership fee of $19.99.
  • Designed to build credit
  • Maximum APR of 29.99%
  • No credit check
  • Monthly membership fee
  • Won't access funds immediately
Interest Rate TypeFixed
Min. Credit ScoreAll credit scores accepted
Minimum Loan Term1 year

RISE Credit Installment Loans

RISE Credit is an installment loan provider that offers loans from $500 to $5,000 with no minimum credit score. And it can be helpful if you find yourself borrowing more than once a year — it offers lower rates to repeat borrowers who make on-time payments. But repayments are due once every two weeks. And while rates are lower than LendUp, they can still be high compared to installment lenders.
  • Lower rates for repeat borrowers
  • Loans up to $5,000
  • Designed to build your credit
  • High rates compared to other installment loans
  • No loans under $500
Min. Amount$300
Max. Amount$5,000
Interest rate typeFixed
Loan Term4 to 26 months
Turnaround timeAs soon as the next business day

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

This payday lender and installment loan provider doesn't report your payments to the three credit bureaus. But it offers what other providers on this list don't: Loans as low as $50. That makes this a better choice for small emergencies that LendUp and similar providers fund. But that convenience will cost you with high rates and fees.
  • Loans as low as $50
  • Funding in one to two business days
  • Doesn't report to credit bureaus
  • Must be 21 to borrow
Min. Amount$50
Max. Amount$1,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Compare more lenders

Use this table to find more payday loans or installment loans available in your state.

Data updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 - $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Pheabs installment loan connection service
$100 - $35,000
As soon as next business day
Fair credit accepted
Check Into Cash Payday Loan
$50 - $1,000
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
$100 - $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Monevo Installment Loans
$500 - $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

How does LendUp stack up?

Now that you’ve read about the alternatives, is LendUp actually a better choice? Weigh these main benefits and drawbacks of this provider.


  • Fast application and quick response
  • Low minimum loan amount of $100
  • LendUp Ladder program allows eligible borrowers to apply for larger loans at lower rates


  • Low maximum loan amount of $250
  • Not licensed in every state
  • High transaction fees depending on your state

See how other top providers compare to different lenders by checking out A-to-Z directory.

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