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LendUp has one of the best online payday loans offered on the market

LendUp has one of the best online payday loans offered on the market


Despite being one of the younger brands on our list, LendUp manages to hold its own against older industry veterans. Case in point, the Better Business Bureau gives it an A+ rating, while Trustpilot users rate it with a 4.7/5. An interesting fact is that Google and Paypal have also invested in LendUp, contributing to its reputation as the best online payday loan company .

  • Good credit isn’t required
  • Mobile access 24/7
  • Incentives for repeat customers
  • Education resources for better financial health
  • No storefronts
  • Available in seven states only

Lending Offer Overview

Their terms range from 14 to 30 days, well within the industry standard. First-time customers can borrow up to $300 from this top payday loan company . Repeat debtors, as they climb the LendUp Ladder, can increase this amount to $400. This brand offers several fast payday loans, inc. Jefferson City, TN repayment options – via checking account, by debit card, using MoneyGram, and via check. You can also repay your debt ahead of the due date. Since payday loans are regulated by state law, fees and rates may vary based on your location. However, you should know that LendUp’s deferred deposit transaction fee never exceeds 20% of the total repayment amount. Instant payday loans offered by this company have an average APR of 391% to 459% based on the loan term. One-month loans usually have a lower APR.

Other Features

LendUp offers state-of-the-art security and strong encryption, ensuring the safety of your data. Customers can access their accounts and manage their loans 24/7 via smartphones or tablets. What sets them apart the most is that repeat borrowers can accrue points by paying back their loans on time or by participating in LendUp’s free financial education courses. Among other benefits, these points allow them to apply for bigger loans at lower rates. The most loyal and dedicated customers, who reach the Platinum level, can even increase their credit score. These features make LendUp one of the most trusted payday loans online .


CashNetUSA is a reputable brand with a proven track record. They’ve been in business for 16 years, during which they’ve helped over four million hard-working people deal with emergency expenses. Having a CashNetUSA account comes with multiple benefits such as discount coupons, a financial assistance tool, and financial education courses.

  • Offers loans up to $1,500
  • Available in many states
  • Well-established

Lending Offer Overview

While your CashNetUSA experience with terms and fees may vary depending on the state, they offer some of the best payday loans for bad credit regardless of the location. You can expect the loan to be due on your next payday, or 14 to 35 days after borrowing the money. Borrowers paid by a paper check will have a one-day grace period to deposit their check. Loan amounts are highly susceptible to state law, meaning that yet again, your mileage may vary. Generally speaking, a customer can expect anywhere from $100 to a more substantial sum of $1,500. As you might’ve realized by now, the APR depends on the loan term, however, to put things into perspective, you can expect to pay $15 to $20 in fees for every $100 borrowed.

Other Features

Customers can expect a same-day deposit if their request is approved before AM local time. The application process is super easy, and the majority of requests go through instantly. Applying for a payday loan won’t affect your FICO ® score, as they use alternative means to check your credit score. CashNetUSA wouldn’t be one of the top-rated online payday loans if they didn’t offer something extra. You’ll still be able to access their free financial courses and tools, even after you paid off your debt.

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