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

Picture of Lendup L Card Preferred
41 Reviews
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Credit Score: 614 Credit Limit: 0 Age: 55-64
Approved 2 years after Bankruptcy
Posted 08/28 2019
Overall 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: 697 Credit Limit: 1000 Age: 55-64
Approved 6mos after Bankruptcy
Income On Application: $31500
Posted 09/14 2018
Overall 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:
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: 570 Credit Limit: 600 Age: 25-34
Income On Application: $37000
Posted 08/02 2017
Overall 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:
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:
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:
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:
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:
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: 490 Credit Limit: 300 Age: 35-44
Approved 6 months after Bankruptcy
Posted 02/19 2017
Overall 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: 657 Credit Limit: 300 Age: 35-44
Posted 11/09 2016
Overall 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: 580 Credit Limit: 300 Age: 25-34
Posted 09/15 2016
Overall 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:
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:
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:
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: 658 Credit Limit: 1000 Age: 25-34
Posted 03/21 2016
Overall 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:
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.