TL;DR: If you are replacing LendUp, the closest options are Pesto, Tally, Angle Health. The table below compares 12 alternatives on what they do, stage, size and status.
Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces LendUp (YC Winter 2012).
Last verified:
The three closest alternatives to LendUp are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Pesto | — | YC Winter 2021 | 8 | Active |
| Tally | — | YC Winter 2025 | 2 | Active |
| Angle Health | Health Insurance for Startups | YC Winter 2020 | 100 | Active |
| Satchel | — | YC Summer 2018 | 8 | Inactive |
| Facio | Salary advance to employees in Brazil. | YC Winter 2020 | 36 | Active |
| Wave | Mobile money app for Africa | YC Winter 2012 | 1600 | Active |
| Nexu | Financing platform for LatAm car dealerships. | YC Winter 2020 | 63 | Active |
| Bueno Finance | Building Chime for India | YC Winter 2021 | 18 | Acquired |
| Debteye | Automate credit counseling. | YC Summer 2011 | 2 | Acquired |
| Y Combinator | Make something people want. | YC Unspecified | 100 | Active |
| Kredi | Rocket Mortgage for LatAm. | YC Winter 2021 | 66 | Active |
| Freya | Voice AI for Enterprises | YC Summer 2025 | 14 | Active |
It depends on your size. Pesto is the closest match on what LendUp actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.
LendUp is no longer listed as active, so anyone still relying on it should plan a migration to one of the alternatives above.
Every company here is Y Combinator-backed and was matched to LendUp on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.
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