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7 Apr 2015 . But is a LendUp financing truly a better option to an instant payday loan? . That same loan for 14 days might have a charge of $30.10 and an APR of 392.38per cent. . You will be authorized for a LendUp loan without any credit score rating or dismal credit. . you only pay timely), but which means are a repeat customer of high-interest financial loans.