12 Payday Loan Sites Like LendUp

12 Payday Loan Sites Like LendUp

Loans like LendUp are among the best short-term funding options available online. Whether you need a personal loan, student loans or even if you are in the process of home buying, various types of loans will have to be considered. Sites like LendUp are useful for building up your credit report, for fixing poor credit scores and for getting quick money online even if you have hard credit and a poor personal finance situation. With LendUp, you will be able to get approved for short term loans instantly, even if you have a bad credit score.

LendUp loans also make it possible to receive medium-term personal loans as well as a credit card specifically targeted towards helping build up an excellent credit score. While LendUp is one of the best payday loan sites online, there are many sites like LendUp that offer similar, if not better payday loans and rates. With proof of income, the ability to receive a direct deposit and all of the basic eligibility requirements, getting approved for Lendup Loans and other alternative to payday loans online is easy.

Our list of LendUp alternatives is going to make it easier than ever for you to get approved for personal installment loans without having to leave the comfort of your home. Our team has searched for the best payday loan companies online, allowing you to quickly get the funds that you need. Visit the sites like LendUp loans below to instantly get approved for fast cash.


lendchoice loans like lendup

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LendChoice is among the top rated companies similar to LendUp because they offer small loans for short durations without any hassles involved. Comparable to LendUp, LendChoice also excels at improving your credit score. With 30-day loans, you can quickly and efficiently drive your credit score up with ease. If you’re seeking larger funding, LendChoice can also provide personal loans up to $15,000. We highly recommend LendChoice as your lender of choice when searching for small to medium sized loans online. They deliver amazing results and can wire the capital directly into your checking account in as little as 1 day.

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lendyou loans

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LendYou is one of the best online payday loans worth discovering that offers a wide range of financial services online. They provide you with the ability to get approved for cash advance loans, but you can also choose installment loans, which allow you to borrow a larger dollar amount for a longer period of time. With just 15 minutes of your time, you can fill out the application form online and be on your way towards getting information about your approved loan amount. LendYou is secured by McAfee and has one of the most impressive support teams among all online lenders. Apply today and receive the funds tomorrow!

Read full LendYou review


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loan solo

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Also high up on the alternatives to LendUp ladder, Loan Solo is one of the great payday loan sites online. They have extremely low fees for a short term lender, making them one of the most affordable options available. Loan Solo has a super fast application process that takes minutes to complete. You will receive a response almost immediately and the funds get deposited within 1 business day. Explore Loan Solo now to get quick cash online if long term loans are not quite an option and your credit score could use some improving.

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Rubik Loan

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Rubik Loan is easily one of the best places to get loans like Lendup online. They have a fully secured and compliant platform and can provide larger loans than some of the other Lendup alternatives mentioned within this list. With 15 minutes required to apply and a loan amount approval sent within an hour, RubikLoan does make the entire process quick and painless. Rubik Loan brings you 24/7 support that you can call or email. Their loans range from $100 to $5,000, providing you with excellent versatility and the ability to get the funds wired to your bank account in under 24 hours. Check out Rubik Loan now if you need quick cash online.

Read full Rubik Loan review

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Another one of the best payday loan sites to consider when shopping for poor credit loans online is ExtraLend. This payday lender is also very simple to use. Simply fill out their quick online form and you will receive a rapid response with the ability to get the funds in as little as 1 business day. Whether you’re late on your bills or even if you want next day loans for any other reason, ExtraLend is worth discovering!

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Honest Loans

honest loans

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One of the leading LendUp alternatives online is without a doubt, Honest Loans. They can provide you with loans ranging from a few hundred dollars all the way up to $2,500. Bad credit is not a problem as they specialize in getting all types of credit approved. Honest Loans is a solid lender that has great rates, a simple application process and an outstanding support team to help you if ever you need assistance. Browse their website today and apply for quick funding now.

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Zocaloans zoca loans review

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ZocaLoans is a short-term loan provider that can provide consumers with loans ranging from $300 to $1,000. They have an approximate APR rate of 795% and they can provide instant approvals. One of the great things about ZocaLoans is that they allow you to make the repayments over the course of several weeks or even months, with most loans being repaid in an average of 12 payments. Missing a payment will incur a $25 late fee unless you give them a call at least 2 days prior to the repayment date, in which case you can push back the payment for a later time. Applying for a loan at ZocaLoans does not affect your credit score as it’s a soft credit check.

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fairstone loans

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If you’re not looking for short term USA loans because you’re from Canada, Fairstone is the option for you. Fairstone loans are among the leading lenders in Canada, making it the ideal solution if you need quick cash loans north of the border. Fairstone loans are quick and simple to apply for with their entire paperless application form. With near instant approvals and the ability to get funds even with bad credit history, you’re going to truly enjoy the process of applying for a loan online at Fairstone.

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24/7 fast funds

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If you’re looking for a loans lender online to provide you with same day cash loans, 247FastFunds is one of the best options available. You can get a loan with bad credit since they partner with over 100 different money lenders. Filling out their form only takes a few minutes, allowing you to get quick money when you need it the most. 247FastFunds lets you borrow between $100 to $5,000 with flexible repayment terms.

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CashNetUSA is one of the best payday loan sites to visit if you have a financial emergency. This short term loan site provides you with a rapid application process, instant approvals and next day funding for approved applicants. Take a look at CashNetUSA if you need a cash advance and you will instantly find out whether or not you’re approved, making this a leading alternative to LendUp. Larger loans are available depending on the state you are located in, but as CashNetUSA fully respects the payday loan laws and regulations, the wide range of options will greatly depend on your immediate location. They too are a worthy lender, which we are glad to place high up on our Lendup ladder of alternatives.

Read full CashNetUSA review

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Check Into Cash

check into cash

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Check into Cash is one of the excellent LendUp alternatives worth discovering when you want to compare payday loans. They make it simple for you to get loans online up to $1,000 with excellent repayment terms. Check into Cash allows you to complete the entire application process online within minutes so you can get the funds you need without the wait. Take a look at Check into Cash right now for great online payday loans.

Read full Check Into Cash review

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Sites like opploans

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OppLoans is one of the most reliable instant loan lenders on the internet if you’re searching for larger loans. They can allow you to borrow as much as $10,000, making them one of the top loans like Lendup and one of the leading options for next day funding online. Opploans has been around since 2010, making them one of the oldest short term lenders online and this also proves their reliability. Whether you need quick cash or even if you need thousands of dollars for larger items such as a car loan online, Opploans makes it possible.

Read full OppLoans review

Payday Loan Information by State

Payday loans like LendUp and the other companies listed above are followed by strict guidelines and regulations. Every single state in the USA has their own regulations when it comes to loan amounts, durations and even the possibility of borrowing small loan amounts. Below is a list of payday loan information by state so you can quickly realize whether or not you’re a valid payday loan applicant.


Max Loan Amount

Loan Duration

Average APR

Alabama $500 10 – 31 days 456.25%
Alaska $500 Min. 14 days 520%
Arizona Prohibited
Arkansas Prohibited
California $300 Max. 31 days 459%
Colorado $500 Min. 6 months 129%
Connecticut Prohibited
Delaware​​​​ $1,000 Max. 60 days 532%
Florida $500 7 – 31 days 419%
Georgia Prohibited
Hawaii $600 Max. 32 days 459%
Idaho $1,000 N/A 521%
Illinois $1,000 112 – 180 days 403%
Indiana $550 Min. 14 days 390%
Iowa $500 Max. 31 days 433%
Kansas $500 7 – 30 days 390%
Kentucky $500 14 – 60 days 459%
Louisiana $350 Max. 60 days 780%
Maine $2,000 N/A 30%
Maryland Prohibited
Massachusetts Prohibited
Michigan $600 Max. 31 days 390%
Minnesota $350 Max. 30 days 390%
Mississippi $500 Max. 30 days 520%
Missouri $500 14 – 31 days 1950%
Montana $300 Max. 31 days 36%
Nebraska $500 Max. 34 days 459%
Nevada 25% of income/mo. Max. 35 days 521%
New Hampshire $500 7 – 30 days 36%
New Jersey​ Prohibited
New Mexico $2,500 Max. 35 days 416%
New York Prohibited
North Carolina Prohibited
North Dakota $500 Max. 60 days 520%
Ohio​​​​ $500 Min. 31 days 28%
Oklahoma $500 12 – 45 days 390%
Oregon $50,000 31 – 60 days 154%
Pennsylvania Prohibited
Rhode Island​​​​ $500 Min. 13 days 260%
South Carolina $550 Max. 31 days 390%
South Dakota​​​​ $500 N/A 36%
Tennessee $500 Max. 31 days 459%
Texas $1,500 Max. 180 days 410%
Utah No Limit Max. 10 weeks 466%
Vermont Prohibited
Virginia $500 Min. 2 days 687%
Washington​​​​ $700 Max. 45 days 390%
West Virginia Prohibited
Wisconsin $1,500 Max. 90 days 565%
Wyoming $2,500 Max. 1 month 780%

Getting Approved for Bad Credit Loans Like LendUp

Loans for bad credit is what payday lending is all about. These “no credit check loans” allow you to get your hands on some extra cash when you need it the most, regardless of your credit history. Actually, that’s not always the case. Most no credit check loans will still rely on the Big 3 when deciding whether or not you can get approved for cash loans. Who are the Big 3 you ask?

  • Equifax
  • TransUnion
  • Experian

These 3 credit bureaus all score your credit independently from one another. You can request a free credit report from each one of them and in most cases, your score will be similar. In order to determine your credit score, they use information such as your current amount of debt, your repayment habits, your amount of credit cards, how often you’ve missed payments and more. Another huge credit score factor is your age. Young adults often have no credit history and this can be seen as a bad thing since most banks won’t lend money to people with no proof of financial stability.

Same Day Loans are the Key

The upside is that loans companies in the list above specialize in approving short term loans, even to people who have a bad credit score or no credit history. They do check your credit reports, but they don’t take it into consideration as much as banks or other financial institutions. Payday lenders will often prioritize a stable income (having a job) and other factors such as being able to prove that you can actually repay the loan. Loans with no credit checks do not exist, but the best payday loans online will approve you even if your score is low.

I Need a Loan – What’s the Minimum Credit Score to Get Approved?

To be honest, there is no magic number. If you need cash now, apply for instant loans from the sites above and see whether or not you get approved. The worst that can happen is getting refused for fast loans. However, in most cases, to get a loan you will need a minimum of 400 as your credit score. Payday loans are what many call “easy loans” because they are much more lenient. They are the best loans for people with bad credit as they are easy to get approved for and by repaying it on time, you will actually raise your credit score.

Are All Loan Companies the Same?

No! Not all payday loans like Lendup will be similar to one another. While most will provide you with $1,000 loans, they all differ. The interest rates that you get from one payday advance might not be identical to the rates on another. Another thing to consider is whether you want to go through a payday loans direct lender or through a network that compares payday loans from multiple partners. While direct lender payday loans sometimes provide you with a sense of security, using networks that compare the best loans online is often better when searching for the lowest possible rates on your emergency loans.

We recommend to use a network of payday loan partners rather than going through direct payday lenders. This option brings you the lowest rates, the highest approvals and the most flexible repayments terms, since the payday lenders are essentially comparing dozens of different direct lenders to provide you with the best solution tailored for your needs.

Explore the pay day loans above to see if one of them seems like a good fit for your needs. We encourage you to only apply for one loan at a time – never apply for multiple loans the same day.

Difference Between LendUp Loans & Other Lenders

Choosing just one lender for instant loans online can prove to be a tedious task. There are dozens of quality lenders for fast funding and narrowing down the decision may seem overwhelming for first-timers. Knowing the differences each lender provides is crucial to making a good decision. One of the main differences between LendUp and other lenders is that LendUp only allows you to borrow $250 the first time and lets you borrow more as you go. Most of the alternative lenders listed in this LendUp review allow you to borrow thousands of dollars even your first time around. Another key difference between LendUp and other loan companies online is that LendUp starts you off with steep interest rates and lowers them as you prove to be a good payer. Other lenders tend to give you a better interest rate if you have a better credit score rather than placing every borrower in the same boat.

Are Online Applications Safe?

Loan approvals are mostly handled online these days. With proof of income and other basic eligibility requirements sent via email, you can often get all of the loan term details sent to you electronically. There are pros and cons to applying for borrowed money online.


  • Balance transfer is faster
  • Online applications often get same-day approval
  • Fewer costs allow online lenders to provide lower rates
  • The loan agreement can be completed and signed within hours


  • No face to face contact
  • Payment scheduling and paying the loan on time is a must
  • To apply online you must have internet, a scanner and a printer

After looking at the pros and cons of online applications, it’s easy to see why so many people opt for LendUp loans and other top rated online lenders. The ability to build your credit with a lower interest rate and a same-day approval simplifies the lives of many. Monthly payments will often remain the same whether you apply online or choose traditional payday loans in person, so this doesn’t make a difference. Furthermore, credit inquiries are always made through credit unions for efficient credit monitoring, so you know that the playing field is even. Simply put, applying for loans like Lendup online is simple, fast and just as safe as when applying in person.

Types of Loans Compared

There are many different types of loans available and it can often become overwhelming knowing which one to pick. We are going to help you out a little by briefly explaining the different online loans and their loan rates.

  • Payday loans
  • Personal loans
  • Business loans
  • Student loans
  • Auto loan
  • Consolidating loans
  • Title loans

As you can see, the vast amount of loans can make things complicated and we simply listed a few of the main options. Each loan type comes with its own personal loan agreement that varies in origination fee rates, intro APR rates, FICO scores eligibility, prepayment penalties and more.

When seeking loans between $100 to $3,000 and with excellent credit, you should opt for a personal loan or personal installment loans. These loans like Lendup and the other alternative to payday loans listed above can provide fast funds and are much better options than accumulating credit card debt. One trick to ensure that you never get into trouble is to have saving accounts so you can always be sure to repay on time. Paying the loan on time will ensure that you pay the proper annual fee and will keep you far away from debt consolidation.

If you need loans from $3,000 to $10,000, secured loans may become the better option. Secured loans and title loans require you to put something of value on the line in case you fail to pay. The financial institution may choose to use your car as insurance or even dig into your checking account to see if there is an alternative way to provide you with funding.

When is it Easier to Get Approved for Online Loans

Returning customers with good payment history often benefit from a lower APR range. If you have fair credit and you work hard towards credit repair, this won’t go unnoticed. A shortterm loan or even a line of credit can then become much easier to attain if you put the necessary effort towards rebuilding your credit and showing the financial institution that you are on track to a solid financial future.

Credit monitoring is key if you want excellent credit. High credit scores will always make it easier for you to benefit from a better loan agreement when applying for loans like Lendup or even a personal loan.

A few key factors to keep in mind when seeking financial aid online is to avoid rewards credit cards or cards with no annual fees (they have incredibly high interest rates) and focus on credit repair as often as possible. Lendup loans and alternatives make this possible in the short term. Having a stellar payment history by always paying the loan on time is another must. Always be cautious of new lenders online in order to avoid identity theft and make sure you know the loan option in’s and out’s before committing to an online lender.

How Do LendUp Loans Work?

Lendup Loans are unique in the sense that each borrower starts off at the bottom of the LendUp ladder. This means as a first-time borrower, you can only borrow $250. However, long-term borrowers who have already dealt with LendUp in the past can benefit from better loan amounts and lower rates. While these expensive loans may seem useless at such a low amount, the main goal of LendUp loans are to help you experience credit repair in a short amount of time.

One of the major benefits of choosing Lendup loans and other companies like Lendup is that you can often get approved with a score as low as 400. Your application can also get reviewed, approved or otherwise endorsed in as little as 24 hours. Proper loan repayment allows you to enjoy a lower annual percentage rate your next time around. Plus, with the credit counseling offered by LendUp, you will be able to opt for good behaviors that can affect your credit positively.

Paying on time will display good standings in the LendUp ladder, but the same can be said with late payment habits. If you believe you may possibly have to deal with late payments, you should avoid these short term lending options as they can actually damage your credit score. Always make sure you can afford the monthly payments before choose loans like Lendup or you could end up with an impossible task of having to build your credit with no debt relief options available.

  1. Very nice article, just what I was looking for.

  2. Tried Lendyou, had a great experience. Thanks for sharing this list of lendup alternatives

    • Thank you for your feedback Francis. We always love getting opinions about LendUp reviews and other alternatives from actual consumers. As you mentioned, LendYou is definitely a good place to get short term loans online.

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