About LendUp
Page last reviewed: March 20, 2026 · Reviewed for accuracy by LendUp
What LendUp Is Today
LendUp is a loan-matching and consumer education website operated by LendUp LLC.
We help borrowers understand their options, compare loan types, and connect with lenders in our network.
What you'll find here: educational guides covering loan types, costs, repayment, risks, and alternatives; state-by-state rules and fee caps; comparison tools; and a matching function that connects you with lenders based on your state, amount, and situation.
The LendUp Brand's History
The LendUp brand has a history that predates the current website, and we believe you should know about it.
The lendup.com domain was previously operated by LendUp Loans LLC, which was a direct payday and installment lender. During that period, the Consumer Financial Protection Bureau (CFPB) took enforcement actions against LendUp Loans LLC - including a 2016 action related to misleading claims about loan pricing and benefits, and a subsequent case alleging violations of the original order and deceptive marketing practices. LendUp Loans LLC ceased lending operations in January 2022.
The current LendUp website is operated by LendUp LLC, which acquired the lendup.com domain after LendUp Loans LLC ceased operations. LendUp LLC is a separate company with no corporate relationship to the former lender or its former executives. The current website is not related to the former LendUp Loans LLC. The business model is different: this site provides consumer education and loan matching - it does not make loans.
If You Had a Loan With the Former LendUp Loans LLC
This website cannot access former LendUp Loans LLC customer accounts, loan records, or payment history. Old login credentials will not work on this site. LendUp LLC does not have access to that data.
What We Do and What We Don't Do
What LendUp does
- Publishes educational content about loan types, costs, repayment, risks, and alternatives - written to help borrowers make informed decisions
- Operates a matching service that connects borrowers with lenders in our network based on state, amount, and situation
- Publishes state-by-state guides to rules, fee caps, and lender licensing requirements
- Provides comparison tools to help borrowers evaluate different loan types and borrowing options
What LendUp does not do
- Make loans or set interest rates
- Approve or deny loan applications
- Collect payments or service loans
- Guarantee approval or specific loan terms
- Charge borrowers any fee for using this site
We explain in our Privacy Policy what information is collected when you use this site, what is shared with lenders in our network, and how that information is protected. See our security practices.
How Our Content Is Created
The information on this site affects real financial decisions - what you borrow, what you pay, and how you repay. We take that responsibility seriously.
- Sources: our content is based on consumer guidance from the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), state financial regulators, and federal lending law including the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Regulations E and Z.
- Review process: content is reviewed for accuracy against current federal and state guidance. Pages carry a "last reviewed" date so you can see when the information was last checked.
- Corrections: if you find something inaccurate on this site, contact us and we'll review and correct it. Corrections are noted on the affected page.
- Editorial independence: the educational content on this site is written to help borrowers - not to steer them toward specific lenders or higher-cost products. When a page recommends checking credit unions or mainstream lenders before subprime options, that advice may work against our referral revenue. We publish it anyway because it's the right guidance for the borrower.
We are not lawyers, financial advisors, or regulators. The content on this site is educational - it is not legal advice, financial advice, or a substitute for professional guidance.
How We Make Money
LendUp earns revenue when borrowers are connected with lenders through our platform. Lenders in our network compensate us - borrowers never pay LendUp. This creates a potential conflict of interest, and we take it seriously. For the full explanation - including what types of compensation we receive, how lender relationships work, and how editorial content stays independent of revenue - see how we make money.
How We Choose Lenders
Lenders in our network are screened before being included. Our process includes verifying that lenders hold required state licenses for the states in which they operate. We do not guarantee every lender's behavior, and we encourage borrowers to verify independently. For the full explanation - including how lenders are added, monitored, and removed - see how we choose lenders.
Your Protections
If you have a problem with a lender you were connected with through this site, multiple channels are available including the CFPB, your state's financial regulator, and the FTC. For a complete summary of your federal and state borrower protections, see consumer protection.
Contact
LendUp can help with questions about this website, how the matching process works, content accuracy concerns, or complaints about the matching experience. For questions about a specific loan - including rates, payments, or account issues - contact the lender directly, as LendUp does not make or service loans.
For the full contact page including response time expectations, see contact us.