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While these rates are potentially much better than the rates offered by other payday loan companies, they are still quite high. LendUp is dedicated to remaining transparent about their borrowers' responsibilities, and in accordance with that, state that there are or may be additional fees. In particular, there is a fee for receiving an instant deposit and an insufficient funds fee NSF if the money is not in a bank account when repayment is due, although the amount of the NSF varies by state.

Although LendUp is a short-term direct lender and therefore charges higher interest rates and fees, they have set out and worked to change the payday loan system to encourage smart financial decisions and reward responsible borrowing and repayment.

Their services are available in more than 20 states, and the specific terms and rates of their loans vary from state to state. They offer a reward system called the LendUp Ladder in which customers can earn points for paying off loans early and taking education courses, among other things where available.

LendUp has received positive reviews and feedback in the news, with most of the attention focused on their different approach to the payday lending system. Wondering which rates you qualify for? As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain.

For more information on how we rank companies, click here. All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines.

We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here. Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews.

Straight forward payday loan. Up front with fees and no hassle application. Just what you need for quick cash and payback. I've been doing business with this company for 6 months and they were a life savior.

The rates are perfect, and as long as you conduct timely payments, or even able to sooner, the rewards are even greater in amount requests. I have had a great experience with this company. I have worked with them for about a year.

Offers payday and installment loans. They don't seem to approve more than what they feel you can handle. You have to earn higher loan amounts with consistent on time payments and responsible borrowing. Customer is in control of what they borrow and the dates of repayment. Good payment history gets you better loan offers. After a while, offers choice to report positive payment history to credit bureaus. Reasonable payment plans that don't invade your bank account multiple times per month.

Everything is done online but customer service reps are readily available by phone call. They are very nice and if you get a message saying someone will call you back, they actually do. Interest rates are high but you can pay extra on your loan anytime you want, and when you do, it actually decreases the amount of interest you pay, unlike other "loan shark" companies.

Everything is clear cut. I recommend this company above all others if you find yourself in need of a quick loan. When I pay off my loan, I will actually miss this company. No hidden interest fees, allows you to borrow again 24 hrs after paying loan back for those times when things are really tight.

This review gave me what information I needed in getting a simple loan to pay off some of my existing bills. They have helped me out in the time of need. I cannot thank them enough.

It's like having an angel. I personally have never had any regret's and I have never been displeased ,. This will be very helpful and when it is approved it will go a long way to alleviate some of my problems. It is awesome and it's very helpful thank.

Sending to much mail and I've tryed alot and neaver got a loan. I ask them to stop sending me mail and still do. Fair and honest lending and offers education and coaching on how to lend and credit information. I have never had an issue with them. Over the next six months, it is estimated that every 15 seconds in the UK a female will take out a payday loan.

Payday loan companies, with smart, welcoming offices, are springing up across the country. The recession and tougher rules on borrowing from High Street banks are partly fuelling this dangerous addiction to expensive debt. Many of these companies have developed clever marketing strategies to attract this new clientele.

Some have also launched expensive television advertising campaigns around popular shows. Firms like Quick Quid promise immediate loans but the recipients face extortionate repayment charges. Bar manager Laurie Smith, 25, from Norfolk, knows all about the lure of the payday lenders, and how dangerous their apparently tempting offers can be. The process was quick and frighteningly simple: The promise of instant cash sees UK women take out loans every 15 seconds. Miss Smith eventually managed to scrape the money together but says: But I would never borrow like this again — no matter how desperate I was.

Many payday lenders we spoke to denied they were specifically chasing young women customers. But their actions give another impression. Just like the offices of Oakam in Walthamstow, they do business from cheerful High Street shops rather than dingy offices in the worst part of town.

Some, such as The Money Shop, advertise loans through magazines handed out to customers, filled with pictures of pretty young women. Oakam even supported a beauty competition, where the firm handed out information about its Bonus Loan, which has an APR rate of more than per cent. The company says this was not a bid to target young women but was intended to widen its appeal to the whole community.

Other firms have set up glamorous websites that target young women, giving the impression that taking the loan is socially acceptable. It can be horrible having to choose between things like that and bills but you can have the best of both worlds with Cash Lady.

Yet you will pay APR of an eyewatering 16, per cent with this firm. The temptation is that this may not seem such a large amount over a short period. In just one month the amount you owe the company would have more than doubled. Other statistics from insolvency industry tradebody R3 estimate that two million women plan to take out payday loans over the next six months — 25 per cent more than the number of men.

They claim they are not as expensive as their interest charges suggest because their loans are meant to be taken out over the short term — so it is not fair to calculate their interest on an annual basis. Many lenders will hit you with large fees if you need extra time to pay back your loan. MP Stella Creasy has warned of the troubles for women taking out quick-fix loans. Labour MP and anti-debt campaigner Stella Creasy says young, working women are often the perfect prey for these firms.

They are targeting a particular group of young women who are great customers for them because they are financially vulnerable. Last year, a report from accountancy firm RSM Tenon showed that many women were drowning in debt, making up a record-breaking 49 per cent of all insolvencies last year.

All too often it falls to family members to step in and rescue young relatives whose loans spiral out of control.

A year-old Mail reader, who wished to remain anonymous, so worried is he of the stigma of debt, says he had no idea of what a payday loan was until a few weeks ago. But he learned a cruel lesson after a late-night call from his year-old granddaughter, Charlotte, a care assistant.

The reader, who lives in Manchester, says Charlotte had no idea how many loans she had taken out or how much she owed. Estelle Girard-Bellamlih, 35, says her social life ground to a halt as she battled to pay back payday-loan debt.

Mrs Girard-Bellamlih, who is French but has been living in London for 12 years, has been forced to work seven days a week for months to pay back her borrowing. The care assistant took out a series of high-interest loans to pay her rent, when she found herself short of cash after starting a new job on a lower salary.

But I was very worried when I found I had to extend it and found it had increased so dramatically. Payday firms in the USA have limitations set by the government. By contrast there are far tighter regulations in other countries. No such regulation exists in the UK, which may explain why it is being targeted by so many lenders. Miss Creasy is calling on the Government to tighten up the rules around these firms.

She also wants the Government to promote other cheaper forms of borrowing, such as Credit Unions, for those who cannot get cash from their banks. Just how many more young women need to be pushed into debt before the Government takes action? The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline.

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