Concerned because you have damaged credit or no credit? LendUp may be able to help. We specialize in lending to people that banks and credit unions won't. In fact, LendUp can even help you build your credit history over time.
What makes LendUp Personal Loans a Better Choice for People with Bad Credit?
Fast Application and Instant Transfer: LendUp's personal loan application process is designed to be quick and simple. It takes about five minutes to apply online, and you get a decision quickly. All you need to get started is an active email address, an open checking account, and an internet connection. Even with poor or no credit, you'll find out if you've been approved for a personal loan quickly!
Cash in as Little as 15 Minutes: If approved and your bank debit card is eligible, LendUp can transfer the proceeds from your personal loan to your debit card in as little as 15 minutes. If not, you can always choose our Standard Deposit option and receive your personal loan the following business day.
Get Access to More Cash: As you earn points on the LendUp Ladder by repaying your personal loan on time and taking our free, interactive credit education courses, you can gain access to larger loan amounts and more flexible repayment terms. At the Platinum and Prime levels, you may even be able to start rebuilding your credit as LendUp reports repayment information back to the credit bureaus.
Secure and Private: LendUp takes your security and privacy seriously. The entire personal loan application process is encrypted and online, allowing you to complete it quickly and easily from the privacy of your own home.
How to Apply for a Personal Loan with Bad Credit at LendUp
- Adjust the slider to select the loan amount (from $100 to $250 for first time borrowers);
- Adjust the slider to select repayment terms (from 7 to 30 days for first time borrowers);
- Quickly you will see the loan details (loan fees, APR, due date and total amount to repay);
- Fill out online application (can take about 5 minutes);
- If approved, you can have money in your account in as little as 15 minutes (if you have a supported debit card or bank account, additional fee applies if elected).
Apply now and see how, even with bad credit, personal loans from LendUp can help you get back on track and on the path to better credit.
Guaranteed Consumer Funding is a type of credit similar to layaway, which allows consumers to purchase items on a payment plan regardless of their credit history.
This process requires signing a contract in which the consumer promises to make all of the payments in full by their due date. In return they will receive guaranteed credit and are...