We build technology that expands credit access and choice.

LendUp is a licensed lender in several states and is licensed by the California Department of Business Oversight under the Deferred Deposit Transaction Law and California...
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Please refer to LendUp's website at www.lendup.com for additional license information.


Last year, 15 million Americans used a payday loan. Many of these people were looking for a simple fix to a short-term financial problem, but ended up trapped in long-term debt caused by hidden fees, costly rollovers and opaque terms and conditions.

This is a big problem.

We have a solution: Ladders, not chutes.

At LendUp we believe there are two types of financial products: chutes and ladders. Ladders help people up, chutes push people down. One of our core values is that every product we offer at LendUp is a ladder, measured by the long-term financial wellbeing of our customers. LendUp loans are a stepping-stone towards better credit, and all the products we offer are in service of commitment to getting our customers to a better financial state.
Why are good, honest people still paying for less responsible borrowers through higher interest and higher fees? We think that is simply not fair. So we are doing something about it.

We built a business that succeeds when our customers succeed, not when they stay in debt.