At LendUp, you need to live in one of many states the place we operate (see charges and terms here ). You also have to be 18, have a recurring source of income (proof required) and have an active checking account that accepts digital transfers. Also, lenders could require retailers to process anywhere from $2,500 to $5,000 in monthly credit card sales for four months to 1 12 months earlier than approving a money advance.