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LendUp is a socially responsible company on a mission to redefine…
Could a fintech company be built that helps people today, and prepares them for tomorrow? One that offers consumers high quality, mobile-first credit and savings products and protects them from tricks and traps? That’s LendUp. LendUp's mission is to provide anyone with a better path to financial health. 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 well-being of our customers. LendUp credit cards, loans, and savings resources reflect our commitment to getting our customers to a better financial state. We are a data-driven company and build all of our technology in-house. With a firm belief that you're more than your credit score, we're extending credit as aggressively as possible and helping solve for the income volatility and financial instability that affects more than 140 million Americans. We are backed by more than $325 million in debt and equity financing from investors such as GV, PayPal, Y Combinator, QED Investors, Susa Ventures, Data Collective, Thomvest Ventures, Kleiner Perkins, Kapor Capital, Bronze Investments, radicle impact, Victory Park Capital, Reddit co-founder Alexis Ohanian, Gmail founder Paul Buchheit, Troy Carter, and many others. One of our values is "different backgrounds, same mission." We come from venerable Silicon Valley technology companies, major banks, nonprofits and law firms. We're former consumer advocates, regulators and academics. Together, we're bringing our mission to life. Join us!
LendUp is a borrower-first loan-matching service that connects users with licensed lenders, while explaining costs, risks, and alternatives before borrowing. It positions itself as free for borrowers and earns referral fees from lenders. The platform emphasizes transparency and borrower protections rather than lending itself.
Users fill a short secure form with loan amount and basic information. The system matches the request with a licensed lender in the user’s state, who may fund the loan and contact the user directly. Borrowers review lender offers with rates, terms, and fees and decide whether to accept. LendUp provides cost disclosures, risk explanations, and guidance on smarter alternatives, while maintaining 256-bit SSL encryption and not selling user data to third parties.
Who it’s for: Borrowers seeking various loan types (payday, installment, personal, bad credit) across states, who value transparency, cost disclosures, and comparison of options before borrowing.
Content emphasizes transparency and borrower education; mentions licensed lenders, revenue model from lender referrals, and ongoing regulatory references, indicating a consumer-focused marketplace in operation with established practices.
Founder of Puzzle.io, the only accounting software purpose-built for startup founders. Puzzle is the first accounting software to reach Level 3 Autonomy, which means within minutes of connecting founders get instantly generated, traceable financial statements and startup metrics for fundraising, taxes and improving your startup, starting from day one. Prior to Puzzle, I founded two startups that grew to over $100M ARR, LendUp and (spinout) Mission Lane (YC W12).
LendEDU is a marketplace for consumer financial products.
Embedded lending infrastructure for software companies
