NorthWestern Financial Review


LendUp Overall rating: ★★★★☆ 4 based on 3 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

Request a Loan

LendUp is an online direct lender that offers personal loans ranging from $100 to $1,000 with APR 41.89% to 1251.43%, credit card services and financial education for consumers. The company appealing to customers because they approve loan applications even if you have a bad credit history.

Company name LendUp Loans, LLC.
Founded 2012
Address 1750 Broadway, Suite 300 Oakland, CA 94612
Phone number (855) 253-6387


  • Direct lender
  • Credit card provider
  • Multiple payment options
  • Apply in as few as 5 minutes
  • Various loan services
  • Instant decision
  • Good credit not required
  • An incentive program to get larger loans at lower APRs
  • Potentially fast funding


  • Loans carry high APRs
  • State loan restrictions apply
  • Need an active checking account
  • Available in a limited number of states

Bottom line

LendUp offers loans, credit card services, and educational tools that help you manage your finances in a smart way. If you have a poor credit score, live in a state where the lender operates, and are searching for fast and legit credit card services or a small personal loan, this company’s website may help you solve your temporary financial need.

Types of loans

LendUp provides loan services, credit cards and financial education. Their main services include:

  • Payday loans
  • Short-term loans
  • No-credit-check loans
  • Cash advances
  • Online loans
  • Payday advances
  • Bad-credit loans

LendUp loan requirements

LendUp does not disclose eligibility requirements, such as minimum income or minimum credit score. Their eligibility requirements vary by state. However, they mention that they review applications with bad credit or no credit — but they still consider several factors, including your source of income and debt-to-income ratio.

In general, they will need your name, address, Social Security number and bank checking account routing number for direct deposit. In several states, you’ll also have to provide them with a copy of your latest pay stub to verify your stable income.

Category: Online Loans

Tags: Alabama, California, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Maine, Minnesota, Mississippi, Missouri, New Mexico, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming

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LendUp Reviews

Love these guys. Easy to apply, prompt funding. The cash was in my account when expected… LendUp is a very convenient way to get some extra money when you need them urgently. Yes, their loans are more expensive than a bank loan, but if you don’t qualify for a bank loan, this is a more affordable way to get financial support. Even if you do not need a loan, the website is worth surfing because of their useful educational tools.
- Glenda Thompson

I have been a loyal and excellent borrower for over 4 years. I have finally reached “platinum” status which gives you really nothing. One day they sent me an email they are changing their terms. I am about to repay my current loan and will never apply for their loans again. They will lose all their customers if they do their job this way. I think they are worried many customers will default by losing their jobs, so they are also cutting their max loan amounts by half. The worst lender, they do not care about their clients AT ALL.
- Earl Spark

I gave this online lender 5 stars because I would recommend them to anyone. I have found their website to be a very easy and trustworty. I applied for LendUp short term loans a couple of times. Their terms and APRs are more reasonable than all other online lenders that I’ve used. They are always ready to help solve my temporary financial problems. Never had any issues. I really appreciate that.
- Jeremy Tafolla

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