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It only offers its loans in nine states, which is the fewest of any lender we reviewed. In the past year or so, it has reduced the number of states it operates in and has begun offering additional services like credit cards. The loans LendUp offers compare well to those at payday lenders like Check Into Cash.
Because each state has its own interest rate on personal loans standard bank about how much payday lenders can charge, fees vary depending on where you live. The highest fee we saw LendUp charge was 25 per 100 borrowed, which is about average. The lowest was 17 per 100 borrowed. This range is small mostly because the company serves so few states. LendUp doesnt operate in many of the states with especially strict payday loan regulations, but it doesnt appear to take advantage of states with lax regulations.