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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.

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 ★★★★★

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, Georgia, Illinois, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, 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 Term6 to 18 months
Turnaround time1 business day

Alternative for a larger loan

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.
  • 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
APR19.9% 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 ★★★★★

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 $100,000
APR1.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreNone
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 ★★★★★

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 $250 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 $250
Cons
  • Limited to offers from its partners
  • Name change has created confusion
  • Rates aren't shown in search results
Loan Amount$250 to $250,000
APR3.49% to 35.99%
Interest Rate TypeFixed
Min. Credit ScorePoor
Turnaround TimeVaries by lender
Maximum Loan Term12 years
Minimum Loan Term2 years

Alternative for when you need a credit building loan

MoneyLion Credit Builder Plus personal loans

3.9 / 5 ★★★★★

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

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 ★★★★★

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
Name Product Filter Values Loan amount Turnaround time Requirements
BadCreditLoans.com
$500 to $10,000
As soon as next business day
Depends on lender requirements, poor credit borrowers may still be able to qualify for a loan. Must live in an eligible state.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
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.
OppLoans Installment Loans
$500 to $4,000
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.
CashNetUSA Loan
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.
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.
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.
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Compare up to 4 providers

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:

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