LendUp Review

5.5 Total Score
2 reviews
LendUp Reviews

LendUp loans are small payday loans online that can be used to rebuild credit or even get out of a tight financial situation. Loans like LendUp are useful when you need a small amount of money and it can be repaid in full within a matter of days or weeks. LendUp personal loans start at a maximum of $250 for new clients, but returning customers with good monthly payment habits can enjoy personal loans up to $1,000. The LendUp ladder is a great tool for people who wish to build a better credit score with simplicity in a short amount of time. However, LendUp loans are best used for building credit history and lifting your FICO score rather than actually borrowing money. For those of you who need fast funds over $250, browse our other LendUp alternatives.

8.3Editor's score
Fees & Rates
7.9
Approval & Funding Time
8.7
Support Staff
8.3
Requirements & Ease of Approval
8.1
4.3User's score
Fees & Rates
2.5
Approval & Funding Time
4
Support Staff
7
Requirements & Ease of Approval
4
PROS
  • Unique lender with excellent credit building tools
  • Returning customers enjoy better loan options
  • LendUp credit card available
  • Instant decision & poor credit is welcome
  • Free online courses for financial education
CONS
  • First loans start at $250 for 30 days
  • Great for credit repair, but not ideal for actually borrowing money
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APR
214 - 805%
Loan Amounts
$100 - $1,000 (max. $250 for newcomers)
Time to Receive Funds
1 - 2 days
Max Loan Duration
30 days
Cash Advance Loans
Installment Loans
Personal Loans
Auto Loans
Mortgage Loans
Business Loans
Minimum Age
18
Minimum Monthly Income
N/A
Time at Current Job
N/A
Credit Score
450+
Additional Requirements
Proof of income
Phone Number
1 855 253 6387
Address
LendUp 237 Kearny St #372 San Francisco, CA 94108
Email Address
help@lendup.com
Website
1 Comment
  1. 2.25
    Fees & Rates
    40
    Approval & Funding Time
    40
    Support Staff
    70
    Requirements & Ease of Approval
    30

    Be careful with Lendup.. they aren’t meant to be used as actual lenders, they simply provide a way for people with extremely poor credit to rebuild their fico score. The apr is extremely high so make sure you can repay in full in time or you’ll be spending way more than you ever would on the worst interest credit cards.

    + PROS: Good for fixing credit
    - CONS: High APR
    Helpful(1) Unhelpful(0)You have already voted this

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