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Upstart Review

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Jacob Parker
Jacob Parker
May. 04, 20214 min read

Upstart summary

Upstart is a lending marketplace that harnesses AI and advanced algorithms to provide consumers with affordable financing while reducing risks for lenders. In this Upstart review, we’ll take a close look at how well this system works for borrowers. As you’ll find out, the advanced tech underlying the platform means that Upstart might approve your application even if other lenders have turned you down.

Pros

  • Considers borrower’s education* during the approval process
  • Returns a potential rate in under 5 minutes
  • No prepayment penalties

Cons

  • Origination fees of up to 8%
  • Terms max out at five years
  • High APRs
Upstart at a glance
4.4

Editorial score

Variety of loan types

Offers all loan types

5.0

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Loan amount range

Loan amount up to $50K

4.0

Repayment flexibility

Loan terms 60 months+

4.0

Suitable For?

College grads

Upstart is a unique lending marketplace because it uses the borrower’s level of education* to decide whether or not to approve them for a loan. If you have an advanced degree and a poor credit score, this might mean that Upstart will approve you even if other lenders turn you down. It’s worth noting that although no minimum degree is required to apply, some have alleged that Upstart’s consideration of education level may exacerbate existing inequalities in society. 

Anyone who earns through Airbnb, Lyft, or Uber

The lending industry has, in general, failed to keep up with the expansion of the gig economy. As a result, many lenders don’t take income from apps like Airbnb or Uber into account when approving loan applications. Upstart stands out because it regularly makes loan offers based on income reported from these platforms.

Poor credit holders who can’t get approved elsewhere

Due to its high origination fees and APRs, Upstart isn’t the cheapest place to borrow. Most customers will only begin considering this platform if they’ve already been turned down by fee-free lenders. 

Range of Loans on Offer

Upstart offers personal loans that can be used for a range of different purposes. For example, if you need refinancing for existing debts, you can use Upstart to consolidate your obligations into a single, manageable monthly payment. Besides this, Upstart offers loans for specific purposes such as medical costs, paying for home renovations, and stating a business.

  • Loans for everything from vacations to refinancing 
  • Detailed knowledge base
  • Get your cash within 24 hours of approval
  • No prepayment penalties
  • Approval rate 27% higher than traditional lending models
  • Qualification based on over 1,500 data points

Application Process & Requirements

To qualify for an Upstart loan, you’ll have to meet many requirements. For example, you’ll need to have a Vantage or FICO credit score of at least 580. You’ll also need to adhere to the following:

  • Be a US citizen
  • At least 18 years old 
  • Have a valid social security number
  • Be employed or hold an offer of employment
  • Have no delinquent loans or record of bankruptcies
  • Possess a financial account with a US-based institution

If you meet those minimum requirements, you’ll find that applying for an Upstart quote is a quick and painless process. To get started, simply head over to the Upstart application portal and enter how much you’d like to borrow. Next, add personal information such as your date of birth, education history, and salary.

After that, Upstart will propose a loan plan based on the data you’ve provided. To receive final approval, you’ll likely need to make further documents available for verification, such as a recent pay stub or, if you make income from a rental property, a copy of a lease. You must be able to show a consistent income for at least 6 months. If all goes well, your Upstart cash will be in your account within 24 hours of final approval.

APRs, Loan Amounts & Repayment Terms

Upstart doesn’t charge any application fees, but it does have an origination fee of up to 8% which will be deducted from your loan. APRs offered by this service range from 8.27% - 35.99%.** If your Upstart loan offer is towards the higher end of this range, the amount you pay back in interest could easily exceed the original value of your loan. Upstart states that the average borrower will pay an effective APR of 15%. 

Repayments begin between 20 and 40 days after you receive your loan. Conveniently, Upstart gives the option to change your monthly payment date to better accommodate your needs and never charges prepayment penalties.

Repayment schedules of 36 and 60-months are available (3 or 5 years)**, and repayments are always made at a fixed rate. You can pay by setting up recurring ACH payments directly from your bank account, mailing in a check, or sending a one-time ACH payment. If payment is declined or doesn’t process, there is a $15 fee. 

Privacy & Security

Upstart’s privacy policy makes it clear that the company is serious about maintaining confidentiality. That’s important, especially considering the volume of sensitive information that the service requests you submit when applying for a loan.

The privacy policy states that Upstarts uses electronic, administrative, and physical safeguards to protect your information. Additionally, the BBB (Better Business Bureau) has given Upstart an A+ rating. 

Help & Support

Besides maintaining an informative blog that answers questions about borrowing, the Upstart team provides direct customer support through multiple channels including mail, email, and a toll-free phone line.

Upstart personnel can be reached at 855 438 8778 and are available Monday through Friday, 6 am to 8 pm PT, and weekends from 9 am to 5 pm PT. Alternatively, you can email support@upstart.com. 

How Upstart Compares


upstartlendingtree
APR8.27% - 35.99%
2.49% - 35.95%
Minimum credit score580None
Loan amount$1,000-$5,000***$1,000 to $50,000
Loan term36 or 60 months3 to 180 months
Suitable forGraduates or gig economy workersComparing multipe loan options

Stacked up against competitors such as LendingTree and LightStream, Upstart could be a better service for graduates and people working through apps like Lyft. That’s because most services don’t approve loans based on educational achievement or gig economy income. 

Nevertheless, Upstart does perform poorly when it comes to the actual cost of taking out a loan. With higher APR rates, Upstart’s cheapest loans are approximately twice as expensive as the most affordable financing options available through LendingTree. 

FAQs

Q. Can I appeal an Upstart Adverse Action Notice?

A. Yes, you can submit relevant documentation if you believe the notice was erroneous. 

Q. Can I get a loan without any credit score? 

A. You can. Upstart is known for lending to customers with no credit record. 

Q. How fast can I get my money?

A. You could have it within 24 hours of loan approval. 

Q.  Are Upstart repayment rates variable? 

A. No, Upstart only offers fixed-rate loans. 

Summary

Recent college graduates and gig workers without an established credit history can benefit from Upstart’s novel way of evaluating applications. All the same, if you’re looking for an affordable place to borrow, note that Upstart has higher APR rates and origination fees.

Physical Address

Upstart Operations Dept.

2950 S. Delaware St.

San Mateo, CA 94403

USA

Disclaimers

*Although educational information is collected as part of Upstart's rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan

**The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 15% and 36 monthly payments of $33 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

***Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. (IF LOAN AMOUNT ISN'T VARIED BY STATE, CHOOSE CORRECT STATES DEPENDING ON MARKETING MEDIUM, STEP IN APPLICATION PROCESS, AND/OR PBU BANK PROGRAM TERMS:

The minimum loan amount in MA is $7,000.

The minimum loan amount in OH is $6,000.

The minimum loan amount in NM is $5,100.

The minimum loan amount in GA is $3,100.)

****If you accept your loan by 5pm EST (not including weekends or holidays), your funds will be sent on the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.

Jacob Parker
Written byJacob Parker

Jacob Parker is a financial and technology writer. With a background in climate science, he's deeply interested in the intersection of fintech and sustainability and has a passion for impact investing and ESG research. He writes for BestMoney and enjoys helping readers make sense of the options on the market.

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  • author
    Jeff
    a day ago
    This was a remarkably easy process

    This was a remarkably easy process. Felt like I got a good rate and the application process took just 15 min to complete on-line. My bank will likely get funded quickly and I've already scheduled the payments. I was paying $550 a month on CC interest alone for $30,000 on a particular CC. Now, I'll be paying $595 per month and will have everything paid off in 5 years. I intend to pay if off much sooner than that -- but with less interest that will be a lot easier. Now I can just concentrate on avoiding the CC debt in the first place.

    ...

  • author
    Javier Perez
    a day ago
    Absolutely NOT TRUE as far as being a…

    Absolutely NOT TRUE as far as being a “friendly support team” they were unable to answer simple direct questions in regards to underwriting nor transfer me to the proper department to assist. They will send you several emails with request for production on Tax returns, tax returns extension forms, all detail on bank accounts information, titles and graduations from your college days… etc, etc,etc… an absolute nightmare, and all that for just $1,500 to aid with an unexpected car repair?!?!?!?!?! Seriously?!?!?!?! Go with Affirm or Optrun instead, you’ll thank yourself and will keep you blood pressure a lot lower… LOL

    ...

  • author
    Valp
    a day ago
    I got my rate with different options in…

    I got my rate with different options in minutes, just filling out the information, and my approval within minutes. One of the best things, no prepayment penalties 👍🏻

    ...

  • author
    customer
    a day ago
    This was absolutely the best loan process.....EVER

    This was absolutely the best loan experience I ever had. I applied for the loan at 1am Sunday morning. The application was easy and took 10mins. By 10am, a represented called me with the loan approval. I signed in a completed the loan in under 3 minutes. Money was on the way. All that is 9hrs on a Sunday.

    ...

  • author
    Greg
    2 days ago
    Very helpful with every step of the…

    Very helpful with every step of the process

    ...

  • author
    BCgettingitdone
    2 days ago
    Process was easy and transparent.

    Process was easy and transparent.

    ...

  • author
    David
    2 days ago
    That was Amazing

    That was Amazing! Quick - Accurate - Easy to walk through - this is what banking should be everytime! Thanks so much!

    ...

  • author
    Aurelia Fierros
    2 days ago
    A satisfied customer

    The application process was fast and easy, self explanatory. I would recommend it to anyone in need to complete an expedite online transaction, as life happens with unexpected events. I gladly recommend trustpilot.com service. —Lia, a satisfied customer.

    ...

  • author
    Dawn
    2 days ago
    Quick and efficient, competitve, and honest

    Quick and efficient, competitive interest rate, without the bait and switch found with other companies. Thankful for Upstart.

    ...

  • author
    Charles P
    2 days ago
    Application process is smooth

    Application process is smooth, I had zero issues. I would recommend Customers Bank and I would use their services on a future purchase.

    ...

  • author
    Stacy
    2 days ago
    Obtaining the loan was quick and easy.

    Obtaining the loan was quick and easy.

    ...

  • author
    Christopher
    2 days ago
    Quick and easy loan approval!

    Quick and easy loan approval!

    ...

  • author
    Dawn Oliu-Smith
    2 days ago
    The process was very simple and easy…

    The process was very simple and easy and not the less bit stressful, thank you

    ...

  • author
    Gene
    2 days ago
    The experience was fast

    The experience was fast, easy and very professional. Thank you.

    ...

  • author
    Alejandra
    3 days ago
    I had a few credit cards maxed out at…

    I had a few credit cards maxed out at over 23%, I was approved in minutes, I’m hoping the funds will Be in my bank account by tomorrow. Thank you for the opportunity! Ale

    ...

  • author
    Richard
    3 days ago
    An overall excellent lending…

    An overall excellent lending experience. The whole process was as simple as could be. I highly recommend this lender.

    ...

  • author
    Gregory
    3 days ago
    Very easy process

    Very easy process, great rates and service.

    ...

  • author
    Max
    3 days ago
    Super easy and a great way to get your…

    Super easy and a great way to get your life going when other's keep telling you "NO"!

    ...

  • author
    Logan
    3 days ago
    Quick and Easy

    From start to finish it was an easy experience to apply and get approved for my loan to consolidate debt. I will 100% use Upstart again if I need a loan in the future.

    ...

  • author
    At peace
    3 days ago
    Grateful

    I am grateful for this opportunity given to me to be able to pay off my loans. Thank you very much! The application process was a breeze.

    ...

  • author
    Kevin
    3 days ago
    Super easy and straightforward process.

    Super easy and straightforward process.

    ...

  • author
    PJ
    3 days ago
    The process is straight forward and…

    The process is straight forward and very transparent. The claims they make are exactly what they deliver. The terms are fair.

    ...

  • author
    Gail Darby
    3 days ago
    The staff at upstart were very helpful

    The staff at upstart were very helpful, and responded very quickly. The loan process was great and fast!

    ...

  • author
    Victoria Kramer
    3 days ago
    Clear terms

    Clear terms. Easy application process. Giving me a great start to taking charge of my finances!

    ...

  • author
    Aaron
    3 days ago
    Try it and you will be surprised!

    I have okay credit and was surprised how this process was fast and easy. Instead of paying several credit cards, I can pay them off and have one payments. This made my life so much easier.

    ...

  • author
    Customer - Dorene LaValley
    3 days ago
    I am so pleased with my experience with…

    I am so pleased with my experience with Upstart! The procedure to get this loan was quick and easy, even for a person with my limited computer skills. I would recommend Upstart to my friends and family.

    ...

  • author
    Robert
    4 days ago
    The process was quite easy and quick

    The process was quite easy and quick

    ...

  • author
    Tom
    4 days ago
    My loan experience with Upstart and Customers Bank

    My loan experience with Upstart and Customers Bank was fantastic! The process was straightforward, extremely easy, and no hidden disqualifiers. The process tells you exactly what to expect, and it happens exactly as stated. It took less than 10 minutes to get approved for my loan after I was notified via email that I was preapproved. All I had to do was complete the online questions, press submit, and within a minute, it came back approved with the funds available the very next day. I never expected that this process would have gone this smoothly. Best loan experience I have ever had, bar none!

    ...

  • author
    Gina
    4 days ago
    I was tired of paying high interest on credit cards

    I was tired of paying high interest on credit cards and this was the easiest and fastest loan approval I have ever received. I’m a happy camper now since I’m not paying outrageous credit card interest rates!!! Thanks Upstart!

    ...

  • author
    Diane P
    Jun 17, 2021
    This was a very easy process

    This was a very easy process. Uploading was easy, review time was not too long. It was the most painless process I have been through for a loan of any sort

    ...

  • author
    Sapphira
    Jun 17, 2021
    This experience of getting a loan was…

    This experience of getting a loan was by far the best. The approval process was quick and easy. No jumping through hoops as with other banks. I would definitely recommend Upstart.

    ...

  • author
    Jonathan
    Jun 17, 2021
    About a 10 minute process

    About a 10 minute process. Super smooth and very professional!

    ...

  • author
    Tamra Hickok
    Jun 17, 2021
    WONDERFUL COMAPANY AND EXPERIENCE

    WONDERFUL COMAPANY AND EXPERIENCE! They are like "financial CHEERLEADERS!" From start to finish! It was easy to apply, got the funds in a matter of hours, easy to set up payments, and encouraging emails & notes along the way about your progress. It was like they want to see you win and improve your life. I am encouraged that if I ever need them again, they'll be there for me and my family!

    ...

  • author
    Randy
    Jun 17, 2021
    Upstart's application process was super easy!

    Upstart's application process was super easy to follow and the site was very clear on where I was in the loan process. Document uploads were a breeze and the electronic signature process was exactly what I was expecting. Overall a great signup experience coupled with a fast approval process, I would most likely recommend Upstart to others for debt consolidation needs.

    ...

  • author
    JJ
    Jun 17, 2021
    Freaking amazing service

    Freaking amazing service. Best company and no hard credit pull. This was my first loan and the experience was way better than trying to go through other lenders.

    ...

  • author
    Jodi
    Jun 17, 2021
    I can not believe how easy and quick…

    I can not believe how easy and quick the process was! Highly recommend!

    ...

  • author
    Pinky
    Jun 16, 2021
    This process was very fast and…

    This process was very fast and relatively pain free.

    ...

  • author
    Dennis
    Jun 16, 2021
    Great Company

    Credit Karma referred Upstart. Glad they did. Quick easy and great to do business with. Affordable monthly payments. Would refer to family & friends.

    ...

  • author
    Branden
    Jun 16, 2021
    Very easy no-hassle process.

    Very easy no-hassle process.

    ...

  • author
    Gary
    Jun 16, 2021
    When I needed the money you guys came…

    When I needed the money you guys came through and I really appreciate this in a time of need

    ...

  • author
    Jay
    Jun 16, 2021
    Just got approved for the loan

    Just got approved for the loan. Was very easy to apply over the internet. They didn’t have the best rates, I chose them because unlike the other companies, they did not ask for the passwords to my checking accounts. As of approval day, I would highly recommend using this service.

    ...

  • author
    Mary Jean
    Jun 16, 2021
    Credit Karma recommended the site

    Credit Karma recommended the site, went there filled out the forms and got the loan. quick, easy and fast. wow. Made it before lunch.

    ...

  • author
    Chance
    Jun 16, 2021
    Easy to use and great live…

    Easy to use and great live communication.

    ...

  • author
    Julie
    Jun 16, 2021
    I could not believe how quick and easy…

    I could not believe how quick and easy the process was to obtain a unsecured personal loan using Upstart and Customers Bank. I got approved in minutes and the funds were deposited within 24 hours. I'm very excited to get rid of these high interest rate credit cards and being closer to being debt free!!!! THANK YOU!!!!!

    ...

  • author
    VDW
    Jun 16, 2021
    Very quick and easy process

    Very quick and easy process. Glad I didn’t have to go through and all the pain and headache to get approved. Great job guys.

    ...

  • author
    Colleen
    Jun 16, 2021
    Quick

    Quick, easy, and clear

    ...

  • author
    Thomas
    Jun 16, 2021
    This was one of the easiest processes…

    This was one of the easiest processes in obtaining a loan that I’ve ever been through. The preapproval process did not impact my credit score at all until I chose to go ahead with the loan. The preapproved loan was exactly what I ended up with, and I am very happy with the low interest-rate as it compares to my incredibly high credit card interest rates.

    ...

  • author
    Patrick
    Jun 16, 2021
    Quick and efficient.

    Quick and efficient.

    ...

  • author
    John
    Jun 16, 2021
    Awesome service

    Awesome service! Very easy application process, would definitely recommend them!

    ...

  • author
    Archie
    Jun 16, 2021
    The loan process was very easy and…

    The loan process was very easy and didn't take much time at all. I received this offer at the right time I was interested in applying for a loan to consolidate my credit cards. I'd recommend Upstart to everyone looking to get a loan!

    ...

  • author
    Laura
    Jun 15, 2021
    I've tried getting debt conidiation…

    I've tried getting debt conidiation loans before but they were difficult. This was the easies loan application and process ever! Thank you Upstart for getting this done.

    ...

  • author
    Daniel M.
    Jun 15, 2021
    Great Experience!

    The lending process was quick, easy and transparent. I was totally satisfied!

    ...

  • author
    Marisela
    Jun 15, 2021
    it was super easy and very responsive

    it was super easy and very responsive

    ...

  • author
    Michael
    Jun 15, 2021
    Very fast and easy

    Very fast and easy

    ...

  • author
    Anne
    Jun 15, 2021
    What a great process very safe

    What a great process very safe and thorough. They made it easy to pay off debt and lower interest rates.

    ...

  • author
    Susan
    Jun 15, 2021
    Due to unexpected expenses

    Due to unexpected expenses, I need a line fast. The application process was quick and additional documentation was simple to upload. I received a decent rate. Definitely recomend if your in a tight spot.

    ...

  • author
    Noah Miller
    Jun 15, 2021
    Was super easy and gave me the best…

    Was super easy and gave me the best rates and flexibility.

    ...

  • author
    Greg
    Jun 15, 2021
    The process was quick and easy to use.

    The process was quick and easy to use.

    ...

  • author
    Roger
    Jun 15, 2021
    Short and simple

    This was without a doubt a very easy application process. Everything was handled electronically and within an hour my loan was complete.

    ...

  • author
    Ashley
    Jun 15, 2021
    easiest process

    easiest process

    ...

  • author
    Wade
    Jun 15, 2021
    One word

    One word: Easy - Most painless loan I've ever got! Way to go.

    ...

  • author
    Mike
    Jun 15, 2021
    Easy to go through

    Easy to go through, easy to work with. Reliable

    ...

  • author
    Emily M.
    Jun 15, 2021
    Awesome Experience

    I have had a great experience with Upstart. I compared numerous personal loans through NerdWallet and decided this was the best option for me - no origination fee and no repayment fees. As an individual with fair credit, the process was very simple and worry-free. I feel confident in my decision and would definitely recommend Upstart to family/friends.

    ...

  • author
    Andrea
    Jun 15, 2021
    The loan process was extremely easy and…

    The loan process was extremely easy and quick. User friendly, easy to understand, and very fast approval. Great rates and no origination fee which is amazing. Would recommend to any friend or family memeber.

    ...

  • author
    shelley
    Jun 14, 2021
    Easy and quick process

    Easy and quick process. Straight forward.

    ...

  • author
    ANN
    Jun 14, 2021
    Very easy and convenient

    Very easy and convenient

    ...

  • author
    Raymond law
    Jun 14, 2021
    Fast approved and good reliable service…

    Fast approved and good reliable service great rates I'm very happy and save a lots of money thanks again

    ...

  • author
    Donell Owens
    Jun 14, 2021
    Thank you Customers Bank!

    Don’t even know where to say but I’ll say this, where everyone else failed me Customers Bank didn’t. I have tried multiple times to get a loan I know I can pay back and no one could give the loan. Even when the monthly rate was less than the amount I have actually been paying. I will admit the process took longer than I would have like but the fact remains Customers Bank was kind enough to give me a loan to help me get out of my financial trouble. I very much appreciate this bank for that reason and I would recommend them to everyone and anyone. Thank you for giving me the funds to better control my debt and in the near future pay my debt off.

    ...

  • author
    Ann
    Jun 14, 2021
    Great transaction

    Great transaction. Professional customer service.

    ...

  • author
    James
    Jun 14, 2021
    The process was quick and easy

    The process was quick and easy. Upstart offered us several options to customize the loan for our particular needs. I'd recommend Upstart for anyone who needs a Personal Loan to get out from under crushing Credit Card Debt.

    ...

  • author
    Debbie
    Jun 14, 2021
    Easy to apply and submit documents

    Easy to apply and submit documents. Actually able to contact and get help.

    ...

  • author
    Drew Debessonet
    Jun 14, 2021
    Fast and easy

    Fast and easy. Really your best option. Make sure you have a plan, but they couldn't be more helpful. You may not get as good of a rate as you expect, but it will be fair!

    ...

  • author
    Personal loan lendee
    Jun 14, 2021
    Fast, user-friendly and simplified process

    I applied with CustomersBank (through Upstart) and I love how quick and easy it was. I work in business lending and I know how slow the process is. I like the loan packager that I worked with and overall their platform. I recommend this assuming you have good credit and you know why you need the money and why you can afford it.

    ...

  • author
    Jeff
    Jun 14, 2021
    Wow!

    Wow, this was quick! Thank you, Upstart!

    ...

  • author
    Sandra
    Jun 14, 2021
    Sandy from Orlando

    Sandy from Orlando, Florida. I am once again a very happy customer with Upstart! When life throws lemons at you and you have to make lemonade but you don't have the tools to make that lemonade, well that is what Upstart truly is! They are the tools for you to get back up in your life and move forward! I can't believe how I have needed them twice in my life and twice they have been the easiest process to help me just continue to move forward in making that stupid lemonade in my life. I absolutely would vouch and urge anyone to use Upstart! From beginning to end, you will not find another company like Upstart!

    ...

  • author
    R Doubek
    Jun 14, 2021
    UpStart is Awesome!

    App was so easy and a quick response!

    ...

  • author
    Joy
    Jun 13, 2021
    I got approved for a loan within 30…

    I got approved for a loan within 30 mins, I’m talking high 5 figures! I got a fair prepayment rate. I was so sure I wouldn’t get it, I had just applied for another credit card the day before with my bank so I could consolidate my loans but I was denied. Upstart did me a solid and I’m very grateful.

    ...

  • author
    Jason
    Jun 13, 2021
    This was a super seamless process so…

    This was a super seamless process so far! Super satisfied.

    ...

  • author
    Hailey
    Jun 13, 2021
    This is a fast process

    This is a fast , efficient, easy way to apply for a loan. Deciding to go with Upstart was a great decision. I was informed about Upstart by a friend. My interest rate is great and the process was smooth and rapid. I would definitely recommend Upstart.com

    ...

  • author
    Regina
    Jun 13, 2021
    Applying for a loan was super easy

    Applying for a loan was super easy, and a decison was made within seconds! Awesome experience!

    ...

  • author
    A K
    Jun 13, 2021
    This was the easiest process I've ever…

    This was the easiest process I've ever gone through and it saves me money. I'm impressed and only hate I didn't do this sooner. Thank you Upstart.

    ...

  • author
    Kristy
    Jun 13, 2021
    Super simple & easy

    Super simple & easy. Thank you!

    ...

  • author
    BDS
    Jun 13, 2021
    Painless Application

    Talk about an easy, painless application and quick approval !! Legal Ease even reads standard without hidden fees. Trust in Trustpilot ! Good Luck.

    ...

  • author
    Anthony
    Jun 12, 2021
    This was one of the most easiest and…

    This was one of the most easiest and streamlined loan process that I have ever been a part of. Not only was the process easy to navigate, but the staff was very knowledgeable and professional when dealing with them directly.

    ...

  • author
    AG
    Jun 12, 2021
    Great amazing service !!!

    Great amazing service !!!

    ...

  • author
    Angela
    Jun 12, 2021
    The whole process was quick and…

    The whole process was quick and painless.

    ...

  • author
    Steven
    Jun 12, 2021
    Very friendly and very helpful.

    Very friendly and very helpful.

    ...

  • author
    Jose
    Jun 12, 2021
    Quick and simple process

    Quick and simple process, everything was easy to understand

    ...

  • author
    Satisfied
    Jun 12, 2021
    Easy as 1 2 3!

    I can't believe how the complication of applying for a personal loan was removed when using this bank and service. I would highly recommend.

    ...

  • author
    Maddie
    Jun 12, 2021
    This was the most efficient loan…

    This was the most efficient loan application, acceptance and funding process I’ve ever experienced. I highly recommend into anyone who is looking to takeout a personal loan to pay off credit cards. I’m saving thousands. Thank you!

    ...

  • author
    Tia
    Jun 12, 2021
    fast painless approval process

    Applied for and was approved in less than 15minutes. No Hassles.

    ...

  • author
    Sandra
    Jun 11, 2021
    Thank you for making this an easy…

    Thank you for making this an easy process

    ...

  • author
    Ralph
    Jun 11, 2021
    It was quick and easy to understand

    It was quick and easy to understand - Helping to lower my monthly payments by $225 by lowering the interest rate on a previous Debt Consolidation Loan.

    ...

  • author
    Elizabeth
    Jun 11, 2021
    Easiest process I have ever used to…

    Easiest process I have ever used to borrow funds.

    ...

  • author
    JG
    Jun 11, 2021
    Applied to Upstart for a home…

    Applied to Upstart for a home improvement loan yesterdy and the the experience was outstanding! The flow of the application was great and made the process easy. Upstart connected me with a variety od direct lenders where I chose the right fit and terms for my needs. Received approval today. Will fund next business day! Could not have asked for a better experience. All done in +/- 48 hrs. Highly recommended!

    ...

  • author
    Katherine
    Jun 11, 2021
    It’s very fast response and easy to…

    It’s very fast response and easy to apply. I would recommend it to my friends

    ...

  • author
    Eleanor
    Jun 11, 2021
    Excellent service

    This process was seem less and fair.

    ...

  • author
    Sunny D
    Jun 11, 2021
    Who woulda thunk

    Who woulda thunk! They lent me exactly what I needed to turn things around, and it took 5 minutes! I'm so glad I talked to my friend today. She told me to check into this, and it was the best 5 minutes I've spent in a long time!

    ...

  • author
    RA Caroline
    Jun 11, 2021
    Upstart Helps You to Build Your Financial Success

    Upstart helped me out during Graduate School. I appreciated that they looked at my earning potential and other items, not just my credit score. The loan helped boost my credit score by 78 points. Now I am using them again because the interest rate they gave me is lower than my credit unions by 1 point, with no origination fee. Hoping to boost my score to the low 800s.

    ...

  • author
    Sherry Kidd
    Jun 11, 2021
    A friend who just received an Upstart…

    A friend who just received an Upstart loan to consolidate her debt told me about the great deal she got and what a relief it was to have her funds taken care of. I immediately opened my own account and was excited to find that I received a better interest rate for consolidating than I imagined I could elsewhere! This will drastically improve my budget and help me manage my money. Thank you, Upstart!

    ...

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