Find a Loan That Fits Your Situation
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.
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.
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.
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.
Find the Right Loan for Your Situation
Not sure which loan type fits? Start with your amount and timeline.
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.
Learn moreInstallment Loans
Larger amounts with fixed monthly payments over 3–24 months. Built for bigger expenses you need time to repay. Low scores accepted.
Learn morePersonal 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.
Learn moreEmergency Loans
Fast-funded options for medical bills, car repairs, rent, utilities, or food. Check free help programs first — some emergencies don't require borrowing.
Learn moreBad 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.
Learn moreSame-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.
Learn moreNot 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.
Read our full revenue disclosure ›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.
See our lender selection criteria ›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.
Learn about our editorial approach ›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.
Learn about your borrower protections ›Make an Informed Decision
Understanding your options before you borrow is the most important step. These guides are written to help — not to sell.
Understanding APR: What Your Loan Really Costs
How to read fee disclosures, calculate total repayment, and compare offers before you sign.
Read the guide ›Payday Loan Risks and Alternatives to Consider
The rollover cycle, what happens if you can't repay, and lower-cost options worth checking first.
Read the guide ›How to Spot a Loan Scam
Upfront-fee scams, fake lenders, advance-fee fraud — and exactly what to do if you've already shared your information.
Read the guide ›How to Improve Your Approval Odds
What lenders actually look at, what you can change before applying, and how to position your application.
Read the guide ›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.
Learn More About LendUp ›8 The Green STE A, Dover, DE 19901
Frequently Asked Questions
Straight answers to the questions borrowers ask most.
Is LendUp a lender?
Does using LendUp affect my credit score?
How does LendUp make money?
What credit score do I need?
Is my information safe?
What types of loans can I find through LendUp?
Is LendUp related to the old LendUp that was shut down?
Page last reviewed: March 25, 2026 · Content reviewed by LendUp