256-bit encrypted Free service - lenders pay us, not you We match you with a licensed lender - we are not a lender
LendUp goes beyond finding you a licensed lender. We help you understand every cost, risk, and smarter alternative - so you borrow with confidence, not desperation.
How It Works: 3 Simple Steps
From request to lender contact — typically in minutes.
1
Tell Us What You Need
Fill out a short, secure form with your loan amount and basic information. Takes about 2 minutes. There's no obligation to proceed at any point.
2
We Find a Lender Match
Our system connects your request with a licensed lender in your state who may be able to fund it. If matched, the lender will reach out to you directly.
3
Review the Offer and Decide
The lender presents their rates, terms, and fees. You are never obligated to accept. Review everything carefully — including APR and total repayment cost — before agreeing to anything.
What happens to your data: your information is transmitted using 256-bit SSL encryption and shared with a lender who may be able to fund your request. We do not sell your data to third parties. Read our full Privacy Policy and Security Practices.
Find the Right Loan for Your Situation
Not sure which loan type fits? Start with your amount and timeline.
$100 – $500
Payday Loans
Short-term loans repaid on your next payday. Income-focused — many lenders weigh income and bank activity more than credit score. Fastest funding option.
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$500 – $5,000
Installment Loans
Larger amounts with fixed monthly payments over 3–24 months. Built for bigger expenses you need time to repay. Low scores accepted.
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$1,000 – $25,000+
Personal Loans
Flexible-use loans available from banks, credit unions, and online lenders. If your credit is 580+, rates here are often much lower than subprime options.
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Urgent need
Emergency Loans
Fast-funded options for medical bills, car repairs, rent, utilities, or food. Check free help programs first — some emergencies don't require borrowing.
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Score below 580
Bad Credit Loans
Options for borrowers with low or limited credit history. We work with lenders who consider more than just your score — income and bank activity matter too.
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Apply early for best odds
Same-Day Loans
Loans with potential same-business-day funding. Timing depends on lender, application time, and your bank. Apply before noon for the best chance.
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Not sure which loan is right for you? Compare loan types side by side ›
Loan Options in Your State
Lending laws, rate caps, and available loan types vary by state. Select your state to see what applies to you.
LendUp works with licensed lenders across the U.S. Each state page includes applicable regulations, rate caps, and available loan types.
Why Borrowers Trust LendUp
We believe trust is earned through transparency — not claimed with badges.
How We Make Money
LendUp is 100% free for borrowers. We earn a referral fee from lenders when you're matched. This fee comes from the lender — not from you — and doesn't change your loan terms or the rate you're offered.
How We Choose Lenders
Every lender in our network is verified to hold required state licenses for the states where they operate. We evaluate lenders on licensing status, complaint history, and fee transparency before they're included.
Our Editorial Standards
All content on LendUp is reviewed for accuracy by a financial professional with consumer lending experience. We cite official sources including the CFPB, FTC, and state regulatory agencies. Every page carries a "last reviewed" date so you know the information is current.
Your Rights as a Borrower
You have the right to see full loan terms before you accept — including APR, total of payments, and all fees. You can never be charged hidden fees through LendUp. You can file complaints with the CFPB at any time.
Make an Informed Decision
Understanding your options before you borrow is the most important step. These guides are written to help — not to sell.
About LendUp Today
LendUp.com is operated by LendUp LLC, which acquired the domain after the former LendUp Loans LLC ceased lending operations in January 2022. We operate as a loan-matching service — we are not a lender, and we do not make lending decisions.
Our goal is to help borrowers find transparent lending options, understand their rights, and make informed decisions. This site includes guides on loan risks and alternatives, borrower protections by state, and resources for improving your financial situation without borrowing.
LendUp LLC is a separate company with no corporate relationship to the former lender or its former executives.
LendUp LLC
8 The Green STE A, Dover, DE 19901
Loan-matching service, not a lender
256-bit SSL encryption
Always free for borrowers
Frequently Asked Questions
Straight answers to the questions borrowers ask most.
Is LendUp a lender?
No. LendUp is a loan-matching service. We connect borrowers with licensed direct lenders but do not make loans ourselves, set interest rates, or make lending decisions. When you submit a request, we match it with a lender in our network who may be able to help. Whether to extend an offer is entirely the lender's decision.
Does using LendUp affect my credit score?
Submitting a request through LendUp does not affect your credit score. However, if a lender is matched and you choose to move forward with their offer, that lender may perform a hard credit inquiry as part of their own approval process. This can have a small, temporary impact on your score. See how credit checks work ›
How does LendUp make money?
Lenders pay LendUp a referral fee when a borrower is matched. This fee comes from the lender — not from you — and does not affect your loan terms or the rate you're offered. LendUp is completely free for borrowers at every step. Full revenue disclosure ›
What credit score do I need?
There is no minimum credit score required to submit a request through LendUp. We work with lenders who serve borrowers across the credit spectrum — including those with poor or limited credit history. Many lenders in our network place more weight on income and bank account activity than on credit score. See options by credit score ›
Is my information safe?
LendUp uses 256-bit SSL encryption to protect your data in transit. Your information is shared with a lender who may be able to fund your request. We do not sell your information to third parties. Read our security practices › and Privacy Policy ›
What types of loans can I find through LendUp?
LendUp connects borrowers with payday loans ($100–$500), installment loans ($500–$5,000), and personal loans from licensed lenders. Available loan types depend on your state's regulations — not all products are available in every state. Check your state's rules ›
Is LendUp related to the old LendUp that was shut down?
LendUp.com is now operated by LendUp LLC, which acquired the domain after the former LendUp Loans LLC ceased lending operations in January 2022. The current service operates independently as a loan-matching platform — different ownership, different business model, and no connection to the former lending operations or its executives. Learn more about who operates this site ›
Page last reviewed: March 25, 2026 · Content reviewed by LendUp