Log in Join

Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare sites like LendUp

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

Avatar

By

Anna Serio

Updated

Fact checked

LendUp was one of the only payday lenders that reported on-time payments to the three major credit bureaus. With credit reporting, you could actually improve your credit score and build a good credit history. But LendUp has run into some trouble with regulators after it failed to report repayments as often as it promised and overcharging service members.

And as of 2021, LendUp is no longer offering loans at all. However, there are many other sites like LendUp.

Our top 7 picks like LendUp

Alternative for lower rates

OppLoans Installment Loans

4.4 / 5 ★★★★★

Go to site
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.
  • Not available in: Colorado, Connecticut, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, Pennsylvania, South Dakota, Vermont, West Virginia
Pros
  • Loans up to $5,000
  • Lower APRs than LendUp
  • Turnaround as soon as one business day
Cons
  • No loans under $500
  • Must get paid with direct deposit
  • Must have a bank account for at least 90 days
Loan amount$500 - $4,000
Interest rate typeFixed
Loan Term9 to 18 months
Turnaround time1 business day

Alternative for a larger loan

NetCredit personal loans

2.7 / 5 ★★★★★

Read Review
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.
  • Not available in: Colorado, Connecticut, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, Virginia, West Virginia
Pros
  • Rates from 34% to 155% APR
  • Borrow up to $10,500
  • Terms as long as five years
Cons
  • No loans under $1,000
  • Mixed online reviews
Loan amount$1,000 to $10,500
APR34% to 155%
Interest Rate TypeFixed
Min. credit scoreNo minimum
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term0.5 years

Alternative for quickly comparing lenders

Monevo personal loans

4.4 / 5 ★★★★★

Go to site
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.
  • Available in all states
Pros
  • No rates higher than 36% APR
  • Personal loans for bad credit available
  • Compare multiple offers
Cons
  • No loans under $500
  • Might receive calls and emails from partners
  • Limited to partners in its network
Loan amount$500 to $500,000
APR5.40% to 35.99%
Interest Rate TypeFixed
Min. credit score300
Turnaround TimeVaries by lender
Maximum Loan Term12 years
Minimum Loan Term0.5 years

Alternative for a large range of lenders

Fiona personal loans

4.25 / 5 ★★★★★

Go to site
Fiona — formally Even Financial — is a connection service and comparison site that helps people with credit scores as low as 550 find personal loans. Sites like these help you avoid payday loans by allowing you to compare multiple offers from long-term lenders. You can look for loan amounts as low as $1,000 up to $250,000, and APRs range from 3.49% to 35.99%.
  • Available in all states
Pros
  • Service is free to use
  • Compare multiple offers
  • Accepts 550 credit scores
  • Loan amounts as low as $1,000
Cons
  • Limited to offers from its partners
  • Name change has created confusion
  • Rates aren't shown in search results
Loan amount$1,000 to $250,000
APR3.49% to 35.99%
Interest Rate TypeFixed
Min. credit scorePoor
Turnaround TimeVaries by lender
Maximum Loan Term7 years
Minimum Loan Term2 years

Alternative for when you need a credit building loan

MoneyLion Credit Builder Plus personal loans

3.9 / 5 ★★★★★

Read Review
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.
  • Not available in: Colorado, Connecticut, New York, Vermont, West Virginia
Pros
  • Designed to build credit
  • Maximum APR of 29.99%
  • No credit check
Cons
  • Monthly membership fee
  • Won't access funds immediately
Loan amountUp to $1,000
APR5.99% to 29.99%
Interest Rate TypeFixed
Min. credit scoreAll credit scores accepted
Minimum Loan Term1 year

Alternative for no credit or poor credit

RISE Credit Installment Loans

Go to site
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.
  • Available in: Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, New Mexico, North Dakota, Ohio, South Carolina, South Dakota, Texas, Utah, Wisconsin
Pros
  • Lower rates for repeat borrowers
  • Loans up to $5,000
  • Designed to build your credit
Cons
  • High rates compared to other installment loans
  • No loans under $500
Loan amount$300 - $5,000
Interest rate typeFixed
Loan Term4 to 26 months
Turnaround timeAs soon as the next business day

Alternative for when you only need $50

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Read Review
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.
  • Available in: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
  • Loans as low as $50
  • Funding in one to two business days
Cons
  • Doesn't report to credit bureaus
  • Must be 21 to borrow
Loan amount$50 - $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.

1 - 0 of 0
Updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
Brigit
Not rated yet
Brigit
Up to $250
1 to 3 days or same-day in some circumstances
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Go to site
More Info
OppLoans Installment Loans
Finder Rating: 4.4 / 5: ★★★★★
OppLoans Installment Loans
$500 to $4,000
1 business day
+18 years old, 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.
Go to site
More Info
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 21 states.
Go to site
More Info
LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Go to site
More Info
MoneyLion Instacash advances
$250, $300 with RoarMoney account
3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account
Bank account must have at least 60 days of activity, show recurring deposits and must have a positive balance
Fee-free, interest-free cash advances up to $250.
Go to site
More Info
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $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.
Go to site
More Info
Monevo Installment Loans
$500 to $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.
Go to site
More Info
CashNetUSA Loan
Finder Rating: 3.6 / 5: ★★★★★
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Go to site
loading

How did LendUp compare?

LendUp is no longer offering loans. It used to be a solid choice for borrowers looking to improve their credit and get the funds they need, but it wasn’t always following through.

The most recent lawsuit revolved around LendUp violating Consumer Financial Protection Bureau (CFPB) orders, and there have been two other lawsuits against LendUp in the past.

Most recently in December 2020, the CFPB filed a lawsuit against LendUp. It states that LendUp allegedly violated the Military Lending Act (MLA) by charging active-duty service members and their dependents APRs over the legal limit of 36%. It also states that LendUp allegedly included an arbitration clause — which is against the MLA — in its contracts and failed to make required disclosures.

Luckily, there are many other lenders like LendUp. Here’s a quick recap of the alternatives:

More guides on Finder

Ask an Expert

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site