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if you’re at least 18, have an enduring source of revenue, are not a part of the army (or a dependent of one) and also have a checking account able to receive digital transfers, you can apply for a LendUp short-term loan. Before you apply, however, be sure you can repay the money punctually. LendUp operates in many states across the country and has received lots of excellent best payday loans loan reviews. That’s because our financing model is different from other people.