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Upstart Review

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Reviews 8,012

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Jacob Parker
Jacob Parker
May. 03, 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
Direct lender or marketplace? Marketplace
Loan types Refinancing (credit cards, student debt, consolidation), education, large purchases, personal expenses, business
Loan amount $1,000 to $50,000
Repayment terms 3 or 5-year plans with fixed-rate repayments**
APR 8.41% - 35.99%**
Suitable for Getting approved even if you’ve been turned down elsewhere

Upstart Upstart View Rates

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 starting 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 8.41% - 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


Upstart LendingTree
APR 8.41% - 35.99% 3.49% - 35.95%
Minimum credit score 580 None
Loan amount $1,000-$5,000*** $1,000 to $50,000
Loan term 36 or 60 months 3 to 180 months
Suitable for Graduates or gig economy workers Comparing 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 a minimum APR rate of 8.41%**, 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

Upstart Upstart View Rates

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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Trustpilot reviews

See what some costumers are saying about Upstart
Upstart
ExcellentReviews 8,012
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96%
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3%
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  • author
    Brandon
    11 hours ago
    Very smooth process.

    Very smooth process.

    ...

  • author
    Michelle
    12 hours ago
    Wow! So easy-to-use

    Appreciate the assistance and quickness! Will recommend to all my friends!

    ...

  • author
    Alexis
    13 hours ago
    Quick process!

    Patricio was my primary contact through the loan application and was extremely kind, knowledgeable and quick!

    ...

  • author
    James
    17 hours ago
    AWESOME EXPERENCE DEALING WITH THIS BANK

    AWESOME EXPERENCE DEALING WITH THIS BANK

    ...

  • author
    MkF
    18 hours ago
    I was very pleased how easy and quick…

    I was very pleased how easy and quick it was to set myself on the path to financial freedom from credit card debt. Thank you Upstart for the 2nd chance.

    ...

  • author
    Mike Kamal
    20 hours ago
    Upstart are really really awesome

    Upstart are really really awesome. Under 30 minutes i got pre-approved, approved and verified. The customer support was awesome. As long as your put in your details and you submit your documents everything will be done really fast. I really hope I wasn't in a situation where I needed an emergency loan...but Upstart made me feel less upset about the situation. Awesome work!

    ...

  • author
    Thomas
    20 hours ago
    Quick and easy process with good rate.

    Quick and easy process with good rate.

    ...

  • author
    Anthony
    a day ago
    Upstart is a very convenient and fast…

    Upstart is a very convenient and fast way to apply for a loan. They have a very safe, secure and fast application process.

    ...

  • author
    Joseph
    a day ago
    Quick and easy

    Quick and easy! I have been drowning in credit card bills for years unable to grab a foothold and make my way to financial security. Upstart approved me the same day and is saving me several hundred dollars a month! I get a chance to get back on the right path and make a better life for my family.

    ...

  • author
    David
    a day ago
    So far so good

    So far so good. They took a beat to get to me, but called just in time before I signed for a much more expensive loan. Once the money hits my account and will vote 5 full stars. Standing by.

    ...

  • author
    Richard
    a day ago
    Very easy to loan process

    Very easy to loan process. Employees are very nice and easy to work with

    ...

  • author
    Juan
    2 days ago
    The process was extremely easy

    The process was extremely easy. I was happy with the customer service.

    ...

  • author
    D.B.
    2 days ago
    Quick and easy experience

    Quick and easy experience. Customer service support was very helpful!

    ...

  • author
    Kevin
    2 days ago
    Easy process

    Easy process, acceptable rate for what I am trying to do, and overall a great service to have used.

    ...

  • author
    InDebt
    2 days ago
    Great Low Personal Loan Rates

    I was looking for a personal loan with a good apr in order to payoff credit debt that has an insanely high interest rate. After doing some research, I've heard good reviews regarding Upstart. Once I got approved for a 7.54% apr with my 701 credit score, I was beyond the moon! Especially with my current apr on the card I plan to pay off being 17.99%. I'd definitely refer them to anyone looking for manageable and star service rates!!

    ...

  • author
    Josefina
    2 days ago
    I will definitely recommend this…

    I will definitely recommend this company due to smooth processing of my loans. Thank you so much Upstart for giving me the opportunity to be able to pay my loan in short period of time and no fee deduction as well.

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  • author
    ThankfulMan
    2 days ago
    The loan approval was quick and…

    The loan approval was quick and streamlined. There is no hidden fee and I am extremely thankful for getting the help during my challenging time.

    ...

  • author
    Elizabeth
    2 days ago
    This process was so easy!

    This process was so easy. My husband and I have been trying to pay down our debt and raise our credit scores. We tried to get a debt consolidation loan through our bank of over 20+ years and were denied. I was approved right away through Upstart. Now I hope to see my credit score rise and have more in savings with the low payment on my loan. I would recommend this process to anyone!

    ...

  • author
    Sanjeev
    2 days ago
    different than the rest!

    thanks to the lender I was able to consolidate my two outstanding loans into one and have a lower payment. I tried several other lender and was declined I'm very thankful that they approved my loan for 20K. approval was very easy and quick. I have a very high debt to income ratio and all the other lenders decline. man I can't be any more thankful that these guys really help me to get back on track. thanks million!

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  • author
    Danny Hernandez
    2 days ago
    Quick and smooth process

    Quick and smooth process. Totally recommended.

    ...

  • author
    Bruce
    2 days ago
    Got excellent terms and the process was…

    Got excellent terms and the process was quick and easy.

    ...

  • author
    Mortez
    2 days ago
    I got the approval notification to…

    I got the approval notification to agree to loan then soon as I I agreed it denied me and hit me with a hard inquiry

    ...

  • author
    Melissa
    2 days ago
    Highly recommend

    This was such a fast and easy process and I got a lower interest rate than my credit union offers. Highly recommended!

    ...

  • author
    Christopher
    2 days ago
    Pleasantly Surprised!

    Upstart was very easy to deal with for my personal load. The application is straight forward. It also allows you to put in alternative income sources beyond your income from your job. I only had to upload financial documentation to confirm what was in my application. Approval happened in less than 24 hours. I would highly recommend Upstart!

    ...

  • author
    Michael
    2 days ago
    I needed a home improvement loan and…

    I needed a home improvement loan and the process was by far the easiest I have ever encountered. Bravo for the simplicity of this business transaction. Mike

    ...

  • author
    Tracie
    2 days ago
    Extremely fast and easy

    Extremely fast and easy. A huge relief

    ...

  • author
    Andrew
    2 days ago
    Very transparent company and will tell…

    Very transparent company and will tell you everything that's gonna happen through the process. They take you through step by step perfectly. Thanks!

    ...

  • author
    Teresa
    2 days ago
    Very easy and confidential

    Very easy and confidential

    ...

  • author
    Mayank Jugran
    2 days ago
    Really thankful to Upstart in helping…

    Really thankful to Upstart in helping me consolidate by debt and being so supportive.

    ...

  • author
    Kristy
    2 days ago
    My experience with Upstart

    I’m my experience with Upstart I can say that I searched a lot before I got a loan with them. Finally I decided to do the loan to consolidate my debt. They have a good offers and very competitive. The customer service experience was great. And in a day I received my congratulations of the approval. Kristy

    ...

  • author
    Geraldine
    3 days ago
    Life literally starts at 40

    Life literally starts at 40. As I near the big 4-0, the pandemic has (on the bright side) made me lift the viel of consumerism illusion. UPSTART is life changing, modern banking made super simple. My goals are different compared to ten years ago. I am incredibly grateful for how easy this program is to use and look forward to financial freedom in a wee 3-4 years. Finances are personal, I have worked very, very hard since I was 17 and this program has leveled up and curated personal loans for the hard workers out there that keep getting stretched to the limit. Come back to me in a few years for a full review.

    ...

  • author
    Jim Streeter
    3 days ago
    Amazingly quick approval.

    Amazingly quick approval.

    ...

  • author
    Johnny
    3 days ago
    Very easy

    Very easy, very simply, very fast!

    ...

  • author
    LIZ
    3 days ago
    Easy, fast, friendly

    This was, far and away, the easiest loan process I have ever had. The rate and payments were exactly what I needed, the process was exceptionally fast, and the people were very nice.

    ...

  • author
    Brad Donovan
    3 days ago
    Easy to Apply

    Easy to Apply, Simple process, good rates and no fee.

    ...

  • author
    Marcus
    3 days ago
    Customers Bank is AMAZING

    Customers Bank is AMAZING. The process was QUICK. Customer Service assisted me QUICKLY when I ran into an issue with linking my bank account. This company ROCKS!

    ...

  • author
    Lawrence
    3 days ago
    You guys are the best!

    You guys are the best!! I received a pretty comparable APR/Interest compared to others! You applied yesterday and received an acceptance today (Less than 24 hours)! I would HIGHLY RECOMMEND ANYONE TO TRY UPSTART! Best customer service, and very quick to answer any questions!

    ...

  • author
    Jengis
    3 days ago
    Quick and easy

    Quick and easy I had just recently moved so I didn't have the right info to get a proper check done, but their reps helped me and I got my documentation in order to get a quick approval. Took less than 2 days to get approved and get the funds into my account.

    ...

  • author
    Amy
    3 days ago
    Awesome experience with Up Start.

    I was working with two companies when considering to consolidate my credit card debt. Up Start was wonderful to work with. I received a good interest rate. There was less paperwork. Up Start approved my loan in less than 24 hours. I would only look at Up Start to help me in the future.

    ...

  • author
    Lisa
    3 days ago
    Easy process for a large loan approval

    I was preapproved for a large loan I wanted to pay down some high interest credit cards. The interest rate I received was pretty good (my credit rating is in the mid-700’s) and was the best after shopping around and receiving several offers from other providers. The process was easy and did take a few days to complete so don’t expect immediate funding. The only document I was asked to provide was a copy of my master’s degree diploma. I did have a short verification call with a customer service representative which was easy and pleasant. I didn’t have any of the issues some of the other people indicated they had on other review sites.

    ...

  • author
    Lisa
    3 days ago
    Easy process

    Easy process, friendly Loan verifiers. Payment terms are way less than I was spending on those high interest rate cards. And the actual rate for my loan was less than the original rate quoted. That's a real win!! Highly recommend!

    ...

  • author
    customer Andrew
    3 days ago
    its good for me and you

    its good for me and you

    ...

  • author
    Chris Spooner
    3 days ago
    Loan was easy to do and process and…

    Loan was easy to do and process and amounts were exactly as proposed on the quote. Would recommend them to anyone looking for a loan.

    ...

  • author
    Heather
    3 days ago
    It came highly recommended and got me…

    It came highly recommended and got me the best interest rate by a little over 5% and a smaller initiation fee than the competition.

    ...

  • author
    Sadie
    3 days ago
    The process was seamless!

    The process was seamless! I am grateful to be pair with a partnered bank that is willing to assist me in clearing my path from heartache and stress! I'm beyond happy to get on track to debt free.

    ...

  • author
    sej
    3 days ago
    Makes borrowing feel accessible

    Upstart is the first credit card consolidation loan company I've ever tried, and I loved how transparent the process is and how fair the plans are. Soft credit check is also awesome. I really appreciate the service and I have a better outlook on my household finances since we signed on with Upstart.

    ...

  • author
    Alice
    3 days ago
    I can’t believe how quick an easy this…

    I can’t believe how quick an easy this was. Thank you for your excellent service.

    ...

  • author
    Norine
    4 days ago
    Quick and easy process

    Quick and easy process. Seems like a great solution!

    ...

  • author
    Norma
    4 days ago
    The easiest loan I've ever applied for

    I have some much need home repairs and was able to get a loan with Upstart within 30 minutes. The process was very easy and non-threatening. I would recommend them to anyone.

    ...

  • author
    /MARY B
    4 days ago
    quick and efficient great rates..very…

    quick and efficient great rates..very pleased!! highly recommend

    ...

  • author
    Kendall
    4 days ago
    Very easy loan process

    The loan process couldn't have been easier. I really hesitated because I hadn't heard of them, but the many 5 star reviews helped me to decide. I had a problem with my bank account verification and had to call in to speak to a representative and he was very nice and helpful.

    ...

  • author
    Michael
    4 days ago
    Excellent service

    Excellent service. Respectful and professional and also very fast.

    ...

  • author
    Jonathan
    4 days ago
    JP Loan

    Great Experience

    ...

  • author
    Tim
    4 days ago
    unbelievable efficiency and in…

    unbelievable efficiency and in approving loan and very easy application process. Highly recommend.

    ...

  • author
    Lori
    4 days ago
    Easy to work with and very likely to…

    Easy to work with and very likely to send my friends to.

    ...

  • author
    Ashley Pratt
    4 days ago
    10/10

    It was very easy to apply and the whole process only took a week to get approved! I would highly recommend!

    ...

  • author
    Terri
    4 days ago
    THIS EXPERIENCE WAS FAST AND EASY

    THIS EXPERIENCE WAS FAST AND EASY. I AM VERY THANKFUL FOR THE ACCEPTANCE OF THIS . THE PANDEMIC HAS GOT PEOPLE ON HIGH ALERT OF THE FUTURE. I MYSELF WANT TO GET MY FINANCES IN COMPLETE ORDER AND YOUR COMPANY HAS ALLOWED ME TO DO THAT. I AM VERY THANKFUL.

    ...

  • author
    Randy
    4 days ago
    Oh my word

    Oh my word! This was the simplest and speediest process ever.

    ...

  • author
    William
    4 days ago
    The process was very quick and super…

    The process was very quick and super easy.

    ...

  • author
    Bill
    4 days ago
    I just applied and was approved for a…

    I just applied and was approved for a debt consolidation loan. The process was simple and quick. I haven't received the fund yet, but so far, the process has been great. Thank you very, for a fresh start!

    ...

  • author
    Steven
    May 05, 2021
    Such an easy process

    Such an easy process. Rates are good and all of my questions were cleared in the process.

    ...

  • author
    Hugo
    May 04, 2021
    Great interface and ease of use

    Great interface and ease of use. I would absolutely recommend to my friends and family. Made taking out a loan painless. Nice job!

    ...

  • author
    mark
    May 04, 2021
    Needed to get out from under credit…

    Needed to get out from under credit card debt after years of a failing business. Upstart came to the rescue.

    ...

  • author
    Seth Hastings
    May 04, 2021
    I was pleasantly surprised!

    I was pleasantly surprised! I'm a student who had racked up about 5k in credit card debt during a move and job transition, and my credit score is just under 700. I was able to quickly apply for a loan to pay off my credit cards, at HALF the interest rate. I called a couple times with questions and the customer service was excellent and very quick! The whole process only took a week or so, and that was with delays on my end. Now my debt is consolidated, and it'll be gathering half the interest so I can pay it off quicker!

    ...

  • author
    Michele
    May 04, 2021
    So far so good

    So far so good. The website was easy to upload documents. I was able to call a human when I had a question. They kept me updated on the status.

    ...

  • author
    Scott
    May 04, 2021
    The process was very easy!

    The process was very easy!

    ...

  • author
    Kiley
    May 04, 2021
    Fast funding

    Very easy to work with and fast funding.

    ...

  • author
    Brian
    May 04, 2021
    Very easy to work with.

    Very easy to work with.

    ...

  • author
    Vijender
    May 04, 2021
    The app is easy and fast.

    The app is easy and fast.

    ...

  • author
    Eric
    May 04, 2021
    Loan process was quick and very prompt

    Loan process was quick and very prompt. Communication was great and the process took 2 days start to finish. Everything was done online without hassle. One document I was unable to find, which only marginally affected my loan rate (around 1%), but it was nice to see that it didn't halt the process as it was a very old document. Thanks for the great experience and opportunity and fair rate.

    ...

  • author
    Andrea
    May 04, 2021
    Great for fair credit scores

    I needed funding to pay off credit cards and relocate. Upstart has good reviews for those of us with average credit (mid to upper 600s). Very easy process and i feel as if i got what my credit is worth when it comes to rates

    ...

  • author
    Kayliegh
    May 04, 2021
    Simple and easy

    Simple and easy. Did it on my couch watching tv! Highly recommend!

    ...

  • author
    Kasey
    May 04, 2021
    Upstart Rocks!

    This is my third loan from Upstart/a partner of theirs, and the interest rates cannot be beat, and I love that I consistently pay them off early without penalty. I highly recommend them for the smooth process. Thank you so much!

    ...

  • author
    James
    May 04, 2021
    Process was very easy to understand and…

    Process was very easy to understand and every representative I dealt with was courteous and helpful. Thank you

    ...

  • author
    ML
    May 04, 2021
    Highly recommended (actual customer)

    Highly recommended (actual customer). Customers Bank/Upstart is literally the only Personal loan service out there that does *not* charge and additional fee's above the interest rate.

    ...

  • author
    Jennifer Lewis
    May 04, 2021
    Loan was approved and funded before I…

    Loan was approved and funded before I even finished my coffee. Easy, painless process.

    ...

  • author
    Margie Zdenek
    May 04, 2021
    Efficient and Friendly

    The application process was easy and customer service friendly and helpful.

    ...

  • author
    Robert
    May 04, 2021
    The application and approval process…

    The application and approval process went smoothly and quickly. Not the best rates, but that's on me, not them. Excited to begin consolidating and getting out of a hole.

    ...

  • author
    Alyssa
    May 04, 2021
    First Federal Bank of Kansas City…

    First Federal Bank of Kansas City through upstart.com was amazing to work with. They were fast and I had my money within a few days. They will work with you on your situation and allow you to clarify any questions or issues. They rock!

    ...

  • author
    Jason
    May 04, 2021
    Very easy to navigate and everything…

    Very easy to navigate and everything spelled out. No secrets and very upfront which is what you ask in making a decision like this.

    ...

  • author
    Anthony
    May 03, 2021
    Skeptic turned to Advocate

    I am a skeptic by nature however, I contacted customer service 3 times with different questions as I completed the application process and each time they were patient and answered my questions fully. This was the smoothest loan transaction ever! Wonderful experience.

    ...

  • author
    Sean
    May 03, 2021
    Very helpful, and very easy process!

    Applied, and my loan was funded to be received the very next day! Very easy application and income verification process. They helped me out when nobody else would, and I’m very happy to give them my business. If you need a little bit of help, give Upstart a shot!!

    ...

  • author
    Fletcher
    May 03, 2021
    The process was quick and easy

    The process was quick and easy. i have the automatic set it and forget it payments set up. Also the rate was fanrastic, Thank you,

    ...

  • author
    William
    May 03, 2021
    would recommend

    Extremely easy and very fast. Got my loan approved in minutes and the money same day.

    ...

  • author
    MR
    May 03, 2021
    This process was absolutely seamless!!!

    This process was absolutely seamless!!!

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  • author
    Gloria
    May 03, 2021
    Loan process was extremely easy and…

    Loan process was extremely easy and fast. Would recommend to anyone looking to purchase a loan.

    ...

  • author
    Sharon Overturf
    May 03, 2021
    My Experience

    So far, this process is very good. The people I dealt with were very nice and answered my questions.

    ...

  • author
    Roger Armijo
    May 03, 2021
    Upstart is an amazing resource for every family!

    Upstart is an amazing resource for anybody in need of a loan to help them safely get through the tough times. The process was professional, efficient, and effective.

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  • author
    DANIEL LEWIS
    May 03, 2021
    This was a seamless process

    This was a seamless process. They spend no time misleading with advertising teaser rates and make it simple

    ...

  • author
    Jennifer Lodwick
    May 03, 2021
    Very efficient and quick process

    Very efficient and quick process. Thank you!

    ...

  • author
    Steve Foldvary
    May 03, 2021
    Quick simple process to get a loan to…

    Quick simple process to get a loan to pay off credit cards. Rate is very competative and no penalty for early pay off. I definietly recomend this program.

    ...

  • author
    Diane
    May 03, 2021
    I received a prescreened letter and…

    I received a prescreened letter and heistated to apply. When I did the process was very quick and easy to complete. My rate was very good which will enable me payoff my debt sooner than expected. I am happy with the outcome of responding to this invitation.

    ...

  • author
    Mark Bare
    May 03, 2021
    I applied for a loan 2 months ago

    I applied for a loan 2 months ago. I was approved but when I went to sign the papers, they incorrectly said there was information on my credit report causing a problem. I submitted the report showing them their error. I was told AGAIN that I was approved and the approval documents were on the way. That was TWO MONTHS AGO. Every time I call customer service they state a computer glitch is delaying the documents and they will fix it immediately. I have spent many hours on the phone and always get this answer. They either have a dishonest customer service department or the most incompetent IT department in the history of businesses.

    ...

  • author
    Mario Pierce
    May 03, 2021
    I was amazed at how easy the process…

    I was amazed at how easy the process was!! I'm thankful this opportunity was presented to me. You guys are AWESOME!!

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  • author
    Renee Garrard
    May 03, 2021
    Okay seriously I don't do reviews and…

    Okay seriously I don't do reviews and roll my eyes when I read those words. This was an amazing experience. It's fast, secure and honestly hands up way better than other loan options. I didn't believe it until I tried it but I'm sold and appreciate Them so much.

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  • author
    Alice
    May 02, 2021
    Upstart helped me better my life

    Upstart helped me better my life. I graduated college 6 years ago with an education degree. When I got my first classroom I ended up spending so much of my own money to furnish it. The credit card bills just kept adding up and I could not get out from under them. I have learned from the mistake I made at age 23. With the help from Upstart I am able to stop drowning in interest rates.

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  • author
    LD
    May 02, 2021
    Easy and well thought out process.

    It was easy to use and the process felt polished and seamless. I would use it again in the future.

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  • author
    J. White
    May 02, 2021
    Fastest and Easiest Loan Ever

    Fastest and Easiest Loan Ever. I have never had an easier time applying for anything. Just let them know your salary or hourly rate and they'll calculate what your average annual income is. Then, you apply and they'll automatically generate loans that you qualify for. The entire process took me maybe 20 minutes. Plus, it would've been faster even, had I not been struggling figuring out my phone. Once I switched to the computer it took me maybe 10 minutes. I can't wait to get my debt consolidated and taken care of!

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  • author
    Moriah Cartwright
    May 02, 2021
    I learned about this through Kail from…

    I learned about this through Kail from Teen mom and she really brought light to my life, because I’ve been dealing with credit cards for about 5 years now and seem to never be able to get ahead of it.. so now I’m extremely happy that I’m able to now pay everything off and have 1 fixed rate to finally take charge of my life! I’m really excited and happy to have such a great opportunity and really happy to finally be free of credit card debit!

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  • author
    《eric and devon
    May 02, 2021
    This was so easy to do!!

    This was so easy to do!!! It only took about 20 minutes to finalize and interest rate was good.

    ...

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