# LendUp

**Canonical:** https://apis.io/providers/lendup/  
**Website:** https://www.lendup.com/  
**APIs profiled:** 0

LendUp was a San Francisco consumer-lending fintech founded in 2011 and backed by GV and QED Investors, offering single-payment and installment loans to subprime borrowers alongside a gamified "LendUp Ladder" program that promised cheaper credit and credit-bureau reporting as borrowers repaid. LendUp Loans LLC ceased lending operations in January 2022 following Consumer Financial Protection Bureau enforcement actions over misleading marketing and pricing claims. The lendup.com domain is now operated by an unrelated company, LendUp LLC of Dover, Delaware, which runs a consumer loan-matching and financial-education site connecting borrowers to licensed lenders for a referral fee; it states it has no corporate, ownership, or operational relationship to the former lender and no access to its customer data. Neither entity publishes a public API, developer portal, SDKs, or any machine-readable discovery surface.

## Kin Score — 10.9 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.9).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Lendup Domain Security** — TLSv1.3

## Tags

Company, Consumer, Consumer Lending, Fintech, Financial-Services, Personal Loans, Lead Generation, Defunct

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lendup/). Scores are computed from the provider's own public artifacts under a published rubric.