I've had no issues with LendUp. I have less than stellar credit and was unable to qualify for a loan anywhere but through LendUp and one other place. The other place was willing to give me $200. However, it was an installation loan, and at the end, my total to payback was $3234.32! How is that even legal? Of course, I said no.
But LendUp was amazing, and I only had a minimal charge. They send you numerous reminders when your payment is due, all of them asking if you need an extension. They seem to want you to succeed, whereas the Payday Loan places want you to fail so they can collect more fees. I've had a few loans with LendUp now (all in my account within 24 hours), and I've paid them all back without issue. I would recommend this to anyone who needs a bit of cash help.
It does seem like the negative reviews are from people who were either using the service to build credit or people who tried to pay back the loan early. I've never tried to pay early I just let it clear through my account, and I'm not to the credit building portion yet. So my review is purely for the fact that if you need cash, they give you cash. They deposit and deduct it as soon as they say they will, and they are reasonable.
This service was exactly what was right for me. So of you're using it to rebuild credit I suggest reading some more reviews from consumers who've used the service for that purpose.
Bottom Line: Yes, I would recommend this to a friend
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