Our Terms of Use

Effective date: March 25, 2026

These Terms of Use ("Terms") govern your access to and use of the LendUp.com website and services ("Service") operated by LendUp LLC ("LendUp," "we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

LendUp LLC
8 The Green STE A, Dover, DE 19901
[email protected]

LendUp is a loan-matching service. We connect borrowers with licensed third-party lenders. We want to be clear about what that means.

What we do

• Operate an online platform where you can submit a loan request
• Match your request with a lender in our network who may be able to help
• Provide educational content about loan types, costs, risks, and alternatives
• Provide information about state-specific lending regulations

What we do not do

• Make loans or extend credit
• Make lending or credit decisions
• Set interest rates, fees, or loan terms
• Guarantee that you will receive a loan offer
• Guarantee that you will be matched with a lender
• Provide financial, legal, or tax advice

To use the Service, you must:

• Be at least 18 years old (or the age of majority in your state, if higher)
• Be a legal resident of the United States
• Have a valid email address and phone number
• Provide accurate and truthful information in your loan request

We reserve the right to refuse service to anyone for any reason.

When you submit a loan request through LendUp, here is what happens:

1. You provide information. You fill out an online form with personal, financial, and contact information.
2. We share your information. Based on what you provide, we transmit your request to a lender in our network who may be able to serve you. Your information may also be shared with affiliated partners who assist in the matching process.
3. A lender may contact you. If a lender determines they may be able to help, they will contact you directly to discuss loan options, terms, and next steps.
4. You decide whether to proceed. You are never obligated to accept a loan offer. If the lender presents terms you are not comfortable with, you can decline. There is no cost or penalty for declining.

By submitting information through our online form, you provide your express written consent to be contacted by a lender in our network regarding your loan request and related financial products or services you may qualify for.

Contact methods may include:

• Email to the address you provided
• Telephone calls to the number you provided
• Text/SMS messages to the number you provided

This consent is not a condition of purchasing any product or service. You may revoke this consent at any time by contacting us at [email protected]. Standard message and data rates may apply to text messages.

If you do not wish to be contacted, do not submit a request through our form.

LendUp is free for borrowers. You will never be charged a fee by LendUp for using our Service.

LendUp may receive compensation from lenders or partners when a borrower request is matched, referred, or otherwise processed through the platform. Compensation structures may vary by partner and arrangement. This compensation comes from the lender or partner, not from you, and does not change the loan terms offered to you.

For more details, see How We Make Money.

You agree that all information you provide through the Service is accurate, complete, and truthful. This includes your name, contact information, income, employment status, and any other information requested in the loan request form.

Providing false or misleading information may result in:

• Denial of your loan request
• Termination of your access to the Service
• Potential legal consequences

We are not responsible for verifying the accuracy of the information you provide. Lenders independently verify your information as part of their own underwriting process.

Submitting a request through LendUp does not directly affect your credit score. LendUp does not perform credit checks.

However, if a lender is matched with your request and you choose to move forward, that lender may perform a credit inquiry as part of their own approval process. This may include:

• A soft credit pull (which does not affect your score) for prequalification purposes
• A hard credit pull (which may have a small, temporary impact on your score) as part of a formal loan application

The type of credit check performed is determined by the lender, not by LendUp. Ask the lender before proceeding if you are concerned about the impact on your credit score. Learn how credit checks work.

We take the protection of your personal information seriously. We use encrypted connections and other technical and administrative safeguards to protect your data during transmission and storage.

Your information is collected, used, and shared as described in our Privacy Policy. By using the Service, you acknowledge that you have read and understood the Privacy Policy.

California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). See our Privacy Notice for details, including how to exercise your rights.

All content on LendUp.com - including text, graphics, logos, icons, images, data compilations, page layout, and underlying code - is the property of LendUp LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, republish, or redistribute any content from this site without our prior written consent
• Use the LendUp name, logo, or branding for any purpose without our prior written consent
• Frame, mirror, or otherwise incorporate any part of this site into another website

You may print or download content for your personal, non-commercial use only.

LendUp provides educational content - including guides, articles, comparisons, and tools - to help borrowers make informed decisions. This content is:

• For informational purposes only and does not constitute financial, legal, or tax advice
• General in nature and may not apply to your specific situation
• Subject to change as laws, regulations, and lending practices evolve

We make reasonable efforts to ensure our content is accurate and current, but we do not guarantee its completeness or accuracy. Consult a qualified financial advisor, attorney, or tax professional before making financial decisions.

LendUp is not responsible for any actions you take based on the educational content on this site.

Our Service contains links to third-party websites, including lender websites. When you leave LendUp.com:

• You are subject to the third party's own terms, privacy policy, and practices
• LendUp has no control over and assumes no responsibility for the content, products, services, or practices of any third-party site
• A link to a third-party site does not constitute an endorsement by LendUp

When a lender contacts you with a loan offer, the resulting relationship is between you and the lender. LendUp is not a party to any loan agreement and has no responsibility for the lender's actions, terms, or conduct.

You agree not to use the Service to:

• Submit false, misleading, or fraudulent information
• Attempt to obtain a loan using another person's identity or information
• Interfere with the operation of the Service or its underlying technology
• Use automated systems (bots, scrapers, etc.) to access or collect data from the Service
• Violate any applicable local, state, federal, or international law
• Harass, threaten, or harm LendUp staff, lenders, or other users
• Attempt to circumvent any security features of the Service

We reserve the right to terminate access for any user who violates these Terms.

To the fullest extent permitted by law, LendUp LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages - including but not limited to loss of profits, data, use, goodwill, or other intangible losses - arising from:

• Your use of (or inability to use) the Service
• Any loan or financial product obtained through or referred by the Service
• Any action or decision made by a lender in our network
• Any unauthorized access to or alteration of your data
• Any content or conduct of any third party on or through the Service
• Any errors, inaccuracies, or omissions in the content on this site

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

You agree to indemnify, defend, and hold harmless LendUp LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third party's rights
• Any information you submit through the Service

These Terms shall be governed by the laws of the State of Delaware without regard to conflict of law principles.

Any dispute arising from these Terms or your use of the Service shall be resolved exclusively in the state or federal courts located in the State of Delaware, and you consent to the personal jurisdiction of those courts.

We may update these Terms from time to time. When we make changes:

• We will update the "Last updated" date at the top of this page
• For material changes, we may notify you by email or through a notice on our website
• Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms

If you do not agree with any changes, your remedy is to stop using the Service.

We reserve the right to suspend or terminate your access to the Service at any time, for any reason, without notice. This includes but is not limited to violations of these Terms, suspected fraud, or legal requirements.

Upon termination, all provisions of these Terms that by their nature should survive - including intellectual property, limitation of liability, indemnification, and dispute resolution - shall continue in effect.

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable. The remaining provisions shall continue in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and LendUp LLC regarding your use of the Service and supersede all prior agreements, understandings, and communications.

If you have questions about these Terms, contact us:

LendUp LLC
8 The Green STE A
Dover, DE 19901

Email: [email protected]