LendUp Reviews

Based on 1 Reviews

Category: Finance

LendUp is a direct lender that offers you simple and fast short-term credit for your financial needs. The loans it offers are designed to help you build credit and keep you from being trapped in debt. It offers you loans with rates as low as 29% apr.


  • Fast And Easy Process
  • Getting a loan is fast and simple. You can get it anytime, anywhere.

  • No Hidden Fees
  • Terms and repayment amount are shown upfront, so there are no surprises.

  • Fast Application
  • The 5-minute online application is easy to fill out and straight-forward.

  • Quick Approval
  • Since LendUp is a licensed direct lender, you can get approval instantly.

  • 24/7 Convenience
  • You can log on to LendUp and apply for a loan anytime. It’s available 24 hours a day. For your convenience and to avoid late fees, repayment is also automatic.

How It Works

LendUp offers borrowers short-credit and gives them the opportunity to borrow a greater amount at lower rates over time. Borrowers can avail of its LendUp ladder program, which offers four different levels or types of loan that gets better and better. It starts with an initial loan and continues when loans are repaid and credit education courses are completed. The four levels are the silver, gold, platinum and prime. As you go up the ladder, the rates get better and the payment terms become longer. Balances also go up as borrowers’ points increase.

Positive Points

  • You're In Control
  • You can choose the amount you want to loan and your repayment schedule with the LendUp sliders.

  • Bigger Loans, Lower Rates
  • LendUp borrowers have the opportunity to gain access to more funds at lower rates over time.

  • Build Credit
  • LendUp is committed to its borrowers’ financial welfare. They believe that their success lies in the success of their borrowers.

  • Credit Education
  • LendUp offers free credit education courses. They also have videos throwing light on credit, credit building, and credit scores.

  • 30 Day Extension
  • Another good thing about LendUp is that you are given up to 30 days free extension in the event that you cannot pay back your loan.

How it's Different from Competitors

Unlike payday loans, LendUp loans have no hidden charges and no rollovers. They also offer lower interest rates and the terms are clear. After you maintain a good credit record with LendUp, you will be given the opportunity to build your credit score. LendUp loans can be accessed exclusively online or on your mobile device, which makes their service very convenient. To make the process fast and simple for you, their online application form can be completed in five minutes or less. For your financial well-being, they offer free credit education courses that will help you climb up the LendUp ladder.


  • Be Sure The Website Is Secure
  • Since you may be giving confidential information on your loan application form, be sure to verify whether you are dealing with a secure website. Look for a green padlock icon in the upper left corner or the url address bar. Don’t be mislead by simply a photo of a paslock or the word “secure” on a webpage. Likewise, make sure that the address bar reads "https: / /" before the url. The “s” means secure sockets layer or encryption.


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