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Lend Up is a licensed to provide online personal loans, and we are a direct companies in most states that we operate in.Other online personal companies may sell your information to other companies or to third-party spammers.Personal loans from lending services are a great way for people to borrow the money they need quickly and without the headaches that can come from dealing with a conventional bank.These loans come in two varieties — peer-to-peer and a more traditional loan from the personal loan service itself.

That way, you are protected by state and federal laws.

Most personal loan services allow you to apply and see what interest rate you qualify for before submitting a full application for a loan.

During the qualification process, the personal loan service will make a soft inquiry to get a snapshot of your credit.

This type of credit check will not be noted on your credit reports, so it won't have a negative affect on your credit should you be turned down.

However, if you qualify for a loan and go forward with a full application, the personal loan service will perform a hard inquiry to get your full credit history — which will show up on your credit reports.

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