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Lendup L Card Referred
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Lendup L Card Preferred
42 Reviews
Consumer Rating:
star ratingstar ratingstar ratinghalf star ratingno star rating3.6
Lowest:
0
Average Score:
482
Highest:
720
All
5 Star
40%
4 Star
19%
3 Star
0%
2 Star
4%
1 Star
21%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 600 Credit Limit: 3 Age: 45-54
Income On Application: $12
Posted 09/14 2020
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Good
 
Credit Score: 100 Credit Limit: 0 Age: 65+
Approved Tow.year after Bankruptcy
Income On Application: $2
Posted 09/22 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Good
 
Credit Score: 614 Credit Limit: 0 Age: 55-64
Approved 2 years after Bankruptcy
Posted 08/28 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I love this credit card. They are now known as Mission Lane(Since July 2019)

This update is in response to the person who thinks those of us who were approved for a LendUp credit card were lying. I speak nothing but truth regarding LendUp and would not make a false statement to harm anyone. I received a" pre-approved offer" from LendUp this June 2019 with a initial credit line of $1000 after my Chapter 7 Bankruptcy Discharge in June 2016. My credit score varies between 609, 614 and 645. The website is uncluttered, the statement is easy to read and my online payments takes less than a minute transact.

Maybe because I had already started rebuilding my credit with as DiscoverIt(8 months) credit card and being an authorized user on my daughter's Capital One Journey Student Visa for a (2 years) which I always paid the accounts as soon as the new statement post.

I am so thankful LendUp/Mission Lane gave me a chance to prove my creditworthiness again and I will not dishonor them.

 
Credit Score: 633 Credit Limit: 9 Age: 65+
Income On Application: $33000
Posted 08/05 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I received pre approval from both LendUp and Mission Lane VISA. I went online to apply. I didn’t have my preapproval number but somehow they had my email (and password) already in the system so I had to apply for a new password. I sent them an email because I’ve never had an account with them. I went ahead and applied but was denied. My Equifax account was hacked so I told them that maybe the other account wasn’t me. So far I have not received an answer to my email. But I think this is a scam to gather your personal information for other collectors. I am contacting Equifax to check out to see if I had an account with either LenUp or Mission Visa. If so I will disputed it as I am rebuilding my credit after a bankruptcy over 18 months ago. Do not take the chance and apply for this card!
 
Credit Score: 635 Credit Limit: 0 Age: 55-64
Approved 2 years after Bankruptcy
Income On Application: $54000
Posted 06/10 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I received several Pre-Approved card offers in the mail from LendUp in May 2019 and when I opened and read the disclosure it stated that I was pre-approved for a credit line of $1000 with no Annual Fee with an APR rate of around 24.6% interest on unpaid balances. All I had to do was go online and enter the acceptance information. I received my card in the mail within 10 business days. I had a Chapter 7 Bankruptcy Discharge about 2 years ago and this card will help me rebuild my credit history. I had already started building my history with a Discover Card for one year and my credit score was between 609-647 depending on the credit bureau.(EQ, TU or EX). I will be using my card soon and will update you with hopefully a very positive review on my LendUp Visa.
 
Credit Score: 635 Credit Limit: 0 Age: 55-64
Approved 2 years after Bankruptcy
Income On Application: $54000
Posted 06/10 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I received several Pre-Approved card offers in the mail from LendUp in May 2019 and when I opened and read the disclosure it stated that I was pre-approved for a credit line of $1000 with no Annual Fee with an APR rate of around 24.6% interest on unpaid balances. All I had to do was go online and enter the acceptance information. I received my card in the mail within 10 business days. I had a Chapter 7 Bankruptcy Discharge about 2 years ago and this card will help me rebuild my credit history. I had already started building my history with a Discover Card for one year and my credit score was between 609-647 depending on the credit bureau.(EQ, TU or EX). I will be using my card soon and will update you with hopefully a very positive review on my LendUp Visa.
 
Credit Score: 635 Credit Limit: 0 Age: 45-54
Income On Application: $7000
Posted 05/31 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I was invited I have paid my car perfect for the last 5 years make 75k a year 0 balance on 5 cc but denied scam you people are all lying on here
 
Credit Score: 0 Credit Limit: 0 Age: 45-54
Approved 9.5 years after Bankruptcy
Income On Application: $225000
Posted 05/25 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Pre-approved, input information

denied....
 
Credit Score: 0 Credit Limit: 0 Age: 35-44
Posted 04/07 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
i did not apply for this card and it showed up on my credit report that i applied for a credit card with this company, took 9 points of my credit and will be on there for 2 yrs
 
Credit Score: 0 Credit Limit: 0 Age: 35-44
Posted 04/07 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
i did not apply for this card and it showed up on my credit report that i applied for a credit card with this company, took 9 points of my credit and will be on there for 2 yrs
 
Credit Score: 460 Credit Limit: 500 Age: 45-54
Income On Application: $2800
Posted 03/17 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
I have 5 negatives on my report mainly hospital bills which at the time I did not have health insurance I paid off a 26000 trail blazer through ford credit I have been employed for 1 year at my job I am respectfully requesting a chance to rebuild my credit and to show whoever reviews this that i will not let you down my payments will be on or before the due date I know you don't know me my word is my bond I would like to prove my credit worthiness that is why I Robert Bramble am only requesting 500 limit to regain trust with my creditors thank you for time







 
Credit Score: 0 Credit Limit: 0 Age: 55-64
Posted 03/05 2019
Overall Rating: no star ratingno star ratingno star ratingno star ratingno star rating
Could you help me with a card with a loan .everyone has turn me down n I need to pay for my medicine
 
Credit Score: 521 Credit Limit: 521 Age: 45-54
Approved None after Bankruptcy
Income On Application: $15500
Posted 01/15 2019
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Bad credit
 
Credit Score: 565 Credit Limit: 1800 Age: 25-34
Income On Application: $2500
Posted 12/20 2018
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
discover 1900.00 credit score 565
 
Credit Score: 0 Credit Limit: 0 Age: 45-54
Approved na after Bankruptcy
Income On Application: $1500
Posted 11/21 2018
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
650
 
Credit Score: 697 Credit Limit: 1000 Age: 55-64
Approved 6mos after Bankruptcy
Income On Application: $31500
Posted 09/14 2018
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
credit score 697 with a credit limit of 1000. Customer service is great when I have question about when the payment will be credit to my account they have the answer for me. the apr is little high but i don't a balance so no problem.
 
Credit Score: 612 Credit Limit: 1000 Age: 55-64
Income On Application: $83725
Posted 08/23 2018
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I was really hesitate to apply after reading some of the reviews. I was pleasantly shocked when I was approved for $1000 starting credit line. I have been trying very hard to rebuild my credit the last 5 months. It has paid off. I have a rough and rouged road to travel but it will be well worth the effort.
 
Credit Score: 0 Credit Limit: 0 Age: 45-54
Income On Application: $1000
Posted 08/08 2018
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
500
 
Credit Score: 7 Credit Limit: 1000 Age: 65+
Income On Application: $20000
Posted 02/06 2018
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
CC SCORE7
 
Credit Score: 524 Credit Limit: 524 Age: 35-44
Income On Application: $2500
Posted 09/16 2017
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
i have my score 524
 
Credit Score: 720 Credit Limit: 1000 Age: 25-34
Posted 09/01 2017
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Lend up has applied my payment incorrectly twice and now I have sent in a payment to pay my account in full, check was cashed but not posted to my account, The reps and supervisor are "reviewing " my account to try and find the payment, that was cashed by them over 2 weeks ago. I do not suggest this card.
 
Credit Score: 570 Credit Limit: 600 Age: 25-34
Income On Application: $37000
Posted 08/02 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
After a few months, my CL was increased from 300 to 600. Satisfied
 
Credit Score: 615 Credit Limit: 300 Age: 25-34
Posted 06/24 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Lenduo is what I would call a new Fintech company providing a service using modern technology and being more user friendly. I have been with them for while they have certainly educated me and helped me build my credit.

I signed up to be on the waitlist for the card and I have very happy it so far.
 
Credit Score: 575 Credit Limit: 300 Age: 25-34
Posted 05/21 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I started off with a $300 credit limit. After 6 months, they increased it by $300 to $600. I have a couple of other cards who have not increased my limits at all.
 
Credit Score: 556 Credit Limit: 300 Age: 25-34
Income On Application: $55000
Posted 04/02 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Lendup has been good to me and they always treat their customers well. If you just pay on time, they will increase your credit limit.

Before I got this card, I have taken a few loans from them and they have also taught me to improve my credit score.
 
Credit Score: 575 Credit Limit: 300 Age: 35-44
Income On Application: $60000
Posted 03/26 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I have used Lendup for loans and have actually moved up their "ladder". The terms when I got this was as follows: $60 AF, 29.9% APR, credit limit of $300. After 6 months, they doubled my limit tp $600. After a year, I had a $1000 limit.

Lendup has always been great and in fact, they have helped me rebuild my credit and I just got approved for a couple of mainstream no annual fee Visas.
 
Credit Score: 625 Credit Limit: 500 Age: 18-24
Posted 03/19 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
This is a great card. In fact, it was my second card I got to rebuild my credit. They started me off with $500 limit. After 8 months, they doubled it to $1000. They are a great card for rebuilders.
 
Credit Score: 540 Credit Limit: 300 Age: 35-44
Posted 02/25 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
This is my second rebuilder card. I like it because it is transparent, simple and has no outrageous fees like other cards that I have researched. Annual fee is $60 and yes, the interest is high (29.9%). But I pay in full every month so that does not bother me. Paying bills online is pretty simple as well and if you pay on time, you will get a credit line increase. I had my double to $600 after 6 months. The card also reports to the bureaus so you will definitely build up your credit scores.
 
Credit Score: 490 Credit Limit: 300 Age: 35-44
Approved 6 months after Bankruptcy
Posted 02/19 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Was discharged from my BK and six months later, I got this card. They gave me a $300 limit. After six months, they doubled it to $600. They do report to the bureaus and it is a great card for rebuilding. Within six months, my score had gone up by 70 points.
 
Credit Score: 569 Credit Limit: 300 Age: 35-44
Posted 01/16 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I love lendup and this card. They have provided good education about loans and credit. They did however put my first few payments on hold. But at the same time, they did increase my limits after 7 months.
 
Credit Score: 560 Credit Limit: 300 Age: 35-44
Posted 01/07 2017
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
I cannot believe they put my payment on hold for 5 days. I tried calling their customer service but realized they closed at 5pm and I had to call the next day. Am cancelling my card.
 
Credit Score: 535 Credit Limit: 300 Age: 18-24
Posted 12/13 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
The thing I really like about Lendup is that they will increase your credit limit if you pay on time. After the first six months of paying in full and on time, they doubled my credit limit. In contrast, the Milestone card I had has not increased my limit even after one year.
 
Credit Score: 623 Credit Limit: 300 Age: 35-44
Posted 11/22 2016
Overall Rating: star ratingno star ratingno star ratingno star ratingno star rating
Lendup is a fantastic company and I've only had great experiences with them since I decided to try them out. When they announced that they were going to have a credit card, I signed up for their notification. I applied and was approved for $300. It wasn't much, but after 6 months of timely payments, I was given a CLI of $300 and now have $600 in total credit limits.
 
Credit Score: 657 Credit Limit: 300 Age: 35-44
Posted 11/09 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I signed up to be put on the waiting list. I applied and was approved for $300. Haven't had this card for long but given my experience with Lendup, this should be a good card.
 
Credit Score: 664 Credit Limit: 300 Age: 25-34
Posted 10/23 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I have had very good experiences with Lendup Loans. I worked up their ladder to a "prime" level. When they started offering this card, I signed up to be on the list. When I got offered, I applied and was approved for $300. AF was $60 with 29.9% apr. I am happy with the card so far.
 
Credit Score: 580 Credit Limit: 300 Age: 25-34
Posted 09/15 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Lendup is great. I signed up to be on the waitlist and applied. My starting limit was $300, annual fee was $60 and apr was 29.9%. I pay in full every month so the rate does not bother me. After six months of paying on time, Lendup increased my credit limit and it is no $1000.
 
Credit Score: 540 Credit Limit: 300 Age: 35-44
Posted 08/16 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Love Lendup. Love this card. Very simple and straight forward. I researched cards for bad credit folks like me and fees were just outrageous. Just pay your bills on time and your score will slowly but surely go up.
 
Credit Score: 540 Credit Limit: 300 Age: 45-54
Posted 08/10 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Lendup actually teaches you how to improve your financial situation and rebuild your score. When I found out they were offering a card, I signed up to be on the waiting list. Once I got the card ($300 limit and $60 AF), I made sure I made it off every month on time. Within 6 months, they doubled my credit limit.
 
Credit Score: 605 Credit Limit: 300 Age: 25-34
Posted 06/20 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
I started off by getting a loan from Lendup. Then I gradually made my way up their "ladder". I even took their financial education course. I made it to prime (which I think was 10,000 points) and I got offered bigger installment loans and the L Card. I think you could only be offered this card is you made it up their ladder.

My initial credit line was $300, which is what most folks are getting.
 
Credit Score: 615 Credit Limit: 300 Age: 25-34
Posted 05/28 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I got approved this card recently even though I had no loan history with them because they do not lend in my state. I had signed up for their "alerts" and got the invite. I was approved for $300.
 
Credit Score: 658 Credit Limit: 1000 Age: 25-34
Posted 03/21 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Years ago, my credit got hit because of some bad decisions that I had made. In my rebuilding efforts, I actually got loans from Lendup. They give you points to climb up their "ladder". The more points you got, the more they would lend you and at lower rates. I guess I finally made it high enough that they offered this card to me. I applied and was approved. Annual fee was $60, limit was $1000 and the rate was 29.9% if you decide to carry a balance.
 
Credit Score: 580 Credit Limit: 300 Age: 35-44
Posted 03/17 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
Lendup is a great company to work with. I got this card even though my scores were low and I had been rejected by other cards. The annual fee is $60 and my limit was $300. I made sure I paid in time and in full and within about 7 months, I got a credit line increase of $300, doubling my limit to $600.