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Level Up Funding

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6.9

Overall Score

LAST UPDATED: October 22nd, 2024

Level Up Funding has been providing customers with small personal loans for over 20 years. The requirements to obtain a loan are limited making the Level Up Funding products easily accessible for almost anyone.

Level Up Funding is a sovereign enterprise and is owned by the Crow Creek Sioux Tribe. The loan products available through Level Up Funding are provided by a sovereign government. Proceeds of the Level Up Funding product go directly towards building up business fund governmental services for Tribe Citizens.

The loan options provided through Level Up Funding are designed to help people with smaller financial strains and are expected to be paid back relatively quickly. 

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The Good

  • Minimum Requirements
  • Same-Day Lending
  • No Penalty For Early Payback

Minimum Requirements

The requirements to obtain a personal loan through Level Up funding are relatively easy to comply with. For instance, most personal loan providers will require at least some sort of baseline credit score. That is not the case with Level Up Funding. The company will work with almost anyone regardless of their credit score.

Typically, personal loan lenders offer minimum loans with those amounts ranging from $1,000 to several thousand dollars. That is also not the case with Level Up Funding, which will provide personal loans of $100 to anyone who meets the requirements.

The only substantial requirements are a Level Up Funding client must be 18 years old, provide some proof of being able to pay the loan back, and reside in one of the states serviced by the firm.

Same-Day Lending

In some cases, same day lending is available through Level Up Funding. To obtain same-day lending, loans must be pre-approved and the request must be submitted on a business day. An eSignature of the loan agreement in addition to the completion of the confirmation call has to be done by 11:45 a.m. EST.

Lastly, the customer has to use ACH as their payment method. Not all lending companies can provide same-day lending to their customers which sets Level Up Lending apart from the rest of the industry. 

No Penalty for Early Payback

Typically when a loan is agreed upon, a term length is also agreed upon. This means that the client agrees to pay back the loan over a duration of time. Some personal loan companies do not allow for early payback of the loan or will charge a fee for early payback.

With Level Up Funding, a customer can pay back their personal loan in full as soon as they would like, even if it is on the first charged payment. 

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The Bad

  • Legal Limitations
  • Only Offer Small Personal Loans
  • Short Loan Terms

Legal Limitations

While not necessarily a negative point, it is important to note that Level Up Funding is not held responsible under the same federal laws and regulations of other personal lending providers.

As a federally recognized sovereign enterprise, disputes with Level Up Funding are regulated under Tribal Law. That means if a client has an issue or wants to take legal action, traditional means of doing so in a federal or state court is not possible. A client may try to do so under Tribal law if they wish but the issue will be handled by Tribal dispute resolution. Other personal loan providers within the industry are held liable under state and federal law.

Only Offers Small Personal Loans

The maximum amount that can be offered to Level Up Lending customers is $3,000. While this amount can help people with fast approaching bills or provide assistance to those who need money for general living expenses, a client would not be able to get a loan amount approved for any more than that. To put that in perspective, many personal loan companies offer a maximum loan amount of $50,000–$100,000.

Short Loan Terms

Since Level Up only offers relatively small personal loans, they also require a relatively quick payback time. Level Up loan terms are nine months, meaning customers must pay back their loan in full within nine months of obtaining the funds. The personal loan industry as a whole typically requires payback of a loan within 36–60 months of approval giving clients more time to pay back their loan.

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The Bottom Line

Level Up Funding takes a bit of a different approach to personal loans. The products are not designed to help people with large financial strain or those in need of thousands and thousands of dollars.

Instead, the Level Up Funding product is designed to provide quick small cash options to help clients with immediate bills or needs such as paying rent or medical bills in a pinch.

As a result, Level Up Funding is not for anyone looking for loans in excess of $3,000. Those in need of any loan amount exceeding the Level Up Funding maximum will need to look elsewhere for their personal loan needs. 

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Star Rating

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4.5

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18 Reviews

Review Breakdown

5 grade

72%

4 grade

17%

3 grade

6%

2 grade

0%

1 grade

6%

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Verified Customer

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Review Source

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Michelle

Excellent company! I have had 3 loans now with them and they’re my go to.

2 weeks ago

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Reply from Level Up Funding

Hi Michelle,

Thank you for the wonderful review! At Level Up Funding, we’re committed to delivering the best service experience possible, and we’re thrilled to hear that our team provided you with clear and friendly support.

If you have any questions or need assistance with your personal installment loan account, please feel free to reach out to us anytime at info@levelupfunding.com or call us at 833-715-1810. We’re here to help 24/7.

Oct. 24th, 2024

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Verified Customer

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Review Source

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K Williams

Customer service representatives are Rude and not helpful at all. I would recommend if you need to borrow moneyvjust go online and apply its no hassle, easy as 1,2,3 your approved immediately and in funds in your account the next day by 5 pm EST .

3 months ago

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Reply from Level Up Funding

Hi K Williams,

Thank you for taking the time to share your experience. Your feedback is important to us!
To ensure your privacy, we cannot discuss account details here, but we would like to get the details of your experience so that we can properly escalate your concerns.
Please email us directly at ombudsman@levelupfunding.com or call us at 833-715-1811 to discuss. We’re available from 8AM – 8PM EST., Monday – Friday.

Aug. 2nd, 2024

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Joanna

The customers service is good but it would nice to have more longer choices for payoff. This could help to lower the monthly payments.

3 months ago

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Reply from Level Up Funding

Hi Joanna,

Thank you for your feedback! We're glad to hear that you found our customer service to be good.

As outlined in the loan agreement, you are never obligated to keep the loan for the entire duration of its term, and – in addition to keeping with your regularly scheduled payment and amounts – there are two (2) additional repayment options available to you. At any point in time, you may (1) pay off the loan early with no prepayment penalties to save on interest, or (2) you may make additional payments toward the principal balance, which will also save on interest and shorten the life of the loan.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810. We’re available 24 hours a day.

Jul. 31st, 2024

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Review Source

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Gary Stacy

Well unfortunately sometimes the public needs money so this company will get you money but you got to be careful because they charge outrageous percentages the best way to use level up is to get a loan and then pay it off don't make monthly payments don't get caught up in that is my advice and then the other thing is if you continue to use them please make sure your information is correct that you enter because you can run into a lot of problems with getting your loan if you need it that particular day or the next day but other than that for the most part they try hard but just be careful

2 months ago

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Reply from Level Up Funding

Hi Gary,

Thank you for being a valued VIP customer at Level Up Funding. We appreciate you sharing your experience with your personal installment loan. Our mission is to offer accessible short-term funding when our customers need it most.

Your loan agreement outlines important details such as the total cost, finance charges, loan term, due dates, and payment amounts. The annual percentage rate (APR) is influenced by factors like your credit history, income, type of debt, loan duration, and your rewards level. Our rewards program can provide benefits like higher loan amounts and reduced fees, enhancing your experience with us.

We also offer flexible repayment options to make your loan more manageable. You can pay off your loan early without prepayment penalties, saving on interest, or make extra payments toward the principal to reduce interest costs and shorten the loan term.

If you have any questions or need assistance with your account, please contact us at ombudsman@levelupfunding.com or call us at 833-715-1811. We're available Monday through Friday, from 8 am to 8 pm ET.

Aug. 9th, 2024

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Breakfast with Tiffany

I love the fact that everyone is so nice and very helpful. The person that helped me to get a loan was amazing. She worked over an hour for m to have this loan. I am so thankful that she work hard to make sure I get what I needed. They go above and beyond for you. I will keep them for a

7 months ago

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Reply from Level Up Funding

Hi Tiffany,

Thank you for an outstanding review! At Level Up Funding, we take great pride in providing our customers with the best possible service experience. It is great to hear that you are pleased with the customer care our representatives provided to you. Learning that you appreciate the courteousness and kindness of our representatives is truly rewarding. Your satisfaction is our top priority!

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810. We’re available 24 hours a day.

Mar. 27th, 2024

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Verified Customer

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Denise Prince Frederick, MD

Convenience of borrowing money; fast, efficient, friendly. APRs are WAYYYYYYY too high even when you are a returning customer!

9 months ago

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Reply from Level Up Funding

Hi Denise,

Thank you for the candid review. At Level Up Funding, we take great pride in providing the best possible service experience for our customers. It is great to hear that you are pleased with our fast and efficient loan services. Your satisfaction is our top priority.

We would love the opportunity to discuss the details of your personal installment loan and share how our flexible repayment options may reduce the overall cost of the loan. Please call 833-715-1811 to discuss these Level Up Funding loans options. We’re available from 8 am to 8 pm EST, Monday through Friday.

Jan. 31st, 2024

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Diane Deschenes

Fast reply great customer service and easy pay back terms

1 month ago

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Reply from Level Up Funding

Hi Diane Deschenes

Thank you for your wonderful feedback! We're glad to hear that you had a fast response, great customer service experience, and found our repayment terms easy to manage. Providing a smooth and positive experience for our customers is always our goal.

If you have any questions or need assistance with your personal installment loan account, please feel free to email us at info@levelupfunding.com or call us at 833-715-1810. We’re available 24/7 to assist you.

Sincerely,

Level Up Funding

Oct. 8th, 2024

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Review Source

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Mildred Chabvuta

Customer Review Video

2 months ago

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Reply from Level Up Funding

Hi Mildred,

Thank you for the wonderful review! At Level Up Funding, we’re committed to delivering the best service experience possible, and we’re thrilled to hear that our team provided you with clear and friendly support.

If you have any questions or need assistance with your personal installment loan account, please feel free to reach out to us anytime at info@levelupfunding.com or call us at 833-715-1810. We’re here to help 24/7.

Aug. 15th, 2024

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Review Source

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Asaunte Salaam

The fact that they helped me. Thank you!

1 month ago

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Reply from Level Up Funding

Hi Asaunte Salaam,


Thank you for the wonderful review! At Level Up Funding, we’re committed to delivering the best service experience possible, and we’re thrilled to hear that our team provided you with clear and friendly support.

If you have any questions or need assistance with your personal installment loan account, please feel free to reach out to us anytime at info@levelupfunding.com or call us at 833-715-1810. We’re here to help 24/7.

Sep. 19th, 2024

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Ellen B

The person helping me 2as very kind and patient.

2 months ago

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Reply from Level Up Funding

Hello Ellen B,

At Level Up Funding, we are committed to delivering the best possible service to our customers. Thank you for your outstanding review! We're delighted to hear that you found our process easy to use, experienced a quick loan approval, and had positive interactions with our friendly representatives.

If you have any questions or need assistance with your personal installment loan account, please feel free to email us at info@levelupfunding.com or call us at 833-715-1810. We’re available 24/7 to assist you.

Aug. 28th, 2024

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Horribly Nerdy Podcast

Easy to use. Fast approval. Friendly associates.

2 months ago

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Reply from Level Up Funding

Hello,

At Level Up Funding, we are committed to delivering the best possible service to our customers. Thank you for your outstanding review! We're delighted to hear that you found our process easy to use, experienced a quick loan approval, and had positive interactions with our friendly representatives.

If you have any questions or need assistance with your personal installment loan account, please feel free to email us at info@levelupfunding.com or call us at 833-715-1810. We’re available 24/7 to assist you.

Aug. 21st, 2024

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Review Source

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Henry Gilbert

They were there when I needed them. Great customer service

3 months ago Edited July 24, 2024

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Reply from Level Up Funding

Hi Henry,

Thank you for your wonderful review! At Level Up Funding, we strive to deliver an exceptional service experience to our customers. We're pleased that you found our customer service to be excellent and valued the patience of our agent throughout the entire process.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810. We’re available 24 hours a day.

Jul. 16th, 2024

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Verified Customer

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Nehyo Tv Foley, AL

Very professional and honest towards customers.

9 months ago

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Reply from Level Up Funding

Hi Nehyo,

At Level Up Funding, we take great pride in providing the best possible service experience for our customers. Thank you for an outstanding review! It is great to hear that you are pleased with the customer care we provided to you.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810. We’re available 24 hours a day.

Jan. 24th, 2024

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Review Source

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Xzanthier

Customer service is great! And one of the few companies that promise same day and deliver. Great all together.

9 months ago

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Reply from Level Up Funding

Hi Xzanthier,

At Level Up Funding, we take great pride in providing the best possible service experience for our customers. Thank you for an outstanding review! It is great to hear that you are very pleased with the customer care we provided to you. Your satisfaction is our top priority.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810. We’re available 24 hours a day.

Jan. 29th, 2024

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Arthur Tubesing

Customer Review Video

3 months ago

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Reply from Level Up Funding

Hi Arthur,

Thank you for your review! At Level Up Funding, we’re dedicated to delivering an exceptional service experience for our customers. We’re thrilled to hear that you’re enjoying the convenience of accessing our loan services and securing a loan right from your phone.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810. We’re available 24 hours a day.

Jul. 17th, 2024

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Review Source

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Dennis Chula Vista, CA

Very friendly. Informative and courteous people. It has been a pleasure doing business with them.

9 months ago

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Reply from Level Up Funding

Hi Dennis,

Thank you for an outstanding review! At Level Up Funding, we take great pride in providing the best possible service experience for our customers. It is great to hear that you are very pleased with the customer care our sales representatives provided to you.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810 . We’re available 24 hours a day.

Jan. 17th, 2024

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anh nguyen Los Angeles, CA

The whole process was simple, have no issue and it was quick.

9 months ago

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Reply from Level Up Funding

Hi Anh,

Thank you for an outstanding review! At Level Up Funding, we take great pride in providing the best possible service experience for our customers. It is great to hear that you are pleased with our quick and easy loan services.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1810 . We’re available 24 hours a day.

Jan. 26th, 2024

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Dan Molyneux Weaverville, CA

The ease and straightforwardness of the process.

9 months ago

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Reply from Level Up Funding

Hi Dan,

At Level Up Funding, we take great pride in providing the best possible service experience for our customers. Thank you for an outstanding review! It is great to hear that you are pleased with our easy and efficient loan services.

If you have any questions or need assistance with your personal installment loan account, please do not hesitate to email us directly at info@levelupfunding.com or call us at 833-715-1814 . We’re available 24 hours a day.

Jan. 29th, 2024