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Upstart

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343 User Reviews

7.2

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Brian New York, NY

Upstart is amazing. What would have taken me countless years to pay off was done in less than a day and will be paid off in only three years with upstart. They mean what they say when they state "you're more than your credit score." Thank you for helping me turn things around..

6 years ago

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Gabrielle Tucson, AZ

Everything was quick, easy and efficient. As a young person trying to get their first financed car the process was easy to understand very reasonable for a small loan of $3000. All of the people I worked with were friendly and replied promptly to any of my questions or concerns.

6 years ago

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Brianna Indianapolis, IN

Upstart has provided nothing but wonderful service for 2 different loans! Because of them, I am on my way to financial freedom in only 3 years as opposed to nearly an unlimited amount of year and interest. Every time I have had questions or issues, the customer service team has provided quick and easy solutions/help. I highly recommend Upstart!

6 years ago

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Natasha G. Flushing, NY

Ridiculously great company to work with.Easy to use-- from the application process to getting the money in my account-- it took less than 3 days and was seamless. Highly professional team working for this company. HIGHLY RECOMMENDED!!

6 years ago

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Moe San Jose, CA

Process was super easy, fast and smooth. Got my application approved within 48 hours and received load within 72 hours. I just paid off two very high-interest credit cards with loan from upstart at a substantially low interest rate. Simply awesome!Thank you upstart!-Moe, San Jose, CA

6 years ago

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John Blowers Las Cruces, NM

I was amazed when my bank turned me down for a loan, considering an income above 50k and having never been delinquent on any payments. Upstart took into account that I am only starting my credit journey and approved me for the loan I needed to consolidate some credit cards! Wonderful and fast service!

6 years ago

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Marlon Morales Novato, CA

The reviews were all true! Everything was clear, well written, and simple. I will get to pay down my revolving balances and have a lower monthly payment, with a likely score increase. I was impressed with my rate. Great company!

6 years ago

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Maggie Philadelphia, PA

The loan application process was very quick and easy. The customer service reps I spoke with were all very personable and helpful. However, the site asks you to schedule a verification call, so I scheduled one at a time that was convenient for me. Instead of calling at that time, Upstart called me three times while I was at work. Also, during my verification call, they took some of my information down incorrectly, so they had to call back and verify that again. Overall, the experience was still a good one and I'm very excited to finally be on the path to freedom from debt!

6 years ago

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Charles Haselton Land O Lakes, FL

Amazing Service!!! Within 48 hours from the time I completed my application funds were deposited into my account. I will definitely recommend Upstart to anyone looking to consolidate their bills. Great Service, Great Rates & Professional Staff !!!!

6 years ago

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renée Goodyear, AZ

Really easy, quick process. Good rate compared with my credit cards. The loan-closing support team was friendly, fast, and genuinely engaged--you can tell that they cared that I had a good customer experience. Highly recommended!

6 years ago

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Stacey Katlain Eugene, OR

So far, I am extremely happy with Upstart. My rate and monthly payment are reasonable, the process of applying was incredibly straightforward and easy, and I should be having the funds deposited into my account by tomorrow. I would definitely use again or recommend to anyone, especially someone who has recently graduated.

6 years ago

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Annette Beaverton, OR

I was skeptical--a link from Facebook for a loan with a great rate based on more than a credit score? The link lead me to an online application form that needed all my personal information. I exited the site and did a comprehensive search of the company and read all the reviews. Any hint of a scam and I was deleting the cookie! However, I found no hint of a scandal. What I did find was a company with excellent customer service--I was assigned a personal account service rep--who works efficiently over the internet, makes fast decisions and delivers on their promise. Don't fear the link!

6 years ago

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Voltaire Guira Salinas, CA

The service is fast and very efficient. Staff responds quickly to correspondence. And all of them are very polite and respectful in talking to client. And they acted so quick to get my loan be approved. I am very impressed about their service.

6 years ago

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Sienna Mobile, AL

The Upstart team was so friendly, easy to work with and helped me make my loan application as easy as possible! I've worked with a lot of financial groups over the years and this group was by far the most customer-friendly. Thanks Upstart!

6 years ago

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David Ahlborn Providence, RI

Great product! I got approved very quickly, and everyone who contacted me about was courteous and professional. I love the disruptive nature of this company and their social mission to help get people out of debt. Upstart indeed! I hope BoA is fuming!

6 years ago

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Patrick West Hartford, CT

The process was super easy, the people I spoke to were extremely helpful and friendly, and the rates were very reasonable. Honestly, Upstart has made manageable what previously felt like an unmanageable amount of debt. I'd highly recommend to anyone.

6 years ago

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Phillip Edwards Chapel Hill, NC

The approval process was relatively easy to complete, and being able to see how various loan amounts would translate into APRs and monthly repayments was very helpful for planning purposes. I do wish that it was a bit clearer that the origination fee is actually deducted from the loan principal (rather than added onto the amount of the loan requested).

6 years ago

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Rebecca San Antonio, TX

The upstart loan process and the staff involved we're fantastic. The website is beyond user friendly and I received prompt, first name basis, service from the employees. I would definitely recommend (actually I already have)!

6 years ago

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Ramon Francois Baez Seattle, WA

The entire process for utilizing upstart was easy not to mention coached along the way if additional information was needed. I like the personal feeling the company gave especially with the phone call which was professional and courteous.

6 years ago

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r Marietta, OH

Very helpful staff. Loans are at very reasonable rates. A mistake in my birthdate at one of the credit reporting agencies caused a 3 week delay, but Upstart stuck with me and helped me through making the correction, and then completed the loan when the correction was made. I am sure the process would have been almost effortless had not the reporting agency been in error.

6 years ago

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KE Montvale, NJ

I'm very excited about this opportunity. I'm starting a new job soon and wanted to get my finances organized before making more money. I feel like the decision to use Upstart was a very smart one, and I finally feel like I can take control of getting my debt paid!

6 years ago

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Kelly Brooklyn, NY

I have had an amazing experience with Upstart!! They were wonderful to deal with and I was able to receive a loan to pay off my credit cards and pay much less a month to pay off the loan in only 3 years! I am looking forward to being debt free and Upstart has helped me get on the road to be there very soon!

6 years ago

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Michael K Providence, RI

Everything about my experience with Upstart was exceptional. The application process was very easy and straightforward. Approval was fast and I was able to transfer the new funds to my credit cards within just a couple of days. Life changing, seriously.

6 years ago

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Courtney Quist Fargo, ND

Really appreciated how easy it was. The website is very simple to use, and I loved being able to interact with an actual human both through email and on the phone. The rates are really competitive and I feel like I can breathe easier knowing that my debt will be paid off in just 3 years or less. Thank you!

6 years ago

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Kristen W. Reno, NV

each and every member of your team has been SO helpful! my loan process was quick and easy, without a big fuss or "long processing" request. I am glad I went through you for my loan and I will definitely refer your company to friends and family. thank you!!! :)

6 years ago

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Floyd Tulsa, OK

I lost my job and got myself into a bad situation with my credit and with high-interest debt. Few lenders are interested in the story behind the numbers. Upstart, however, made it possible to refinance debt at 25% interest down to under 13%. I can regain my financial footing much faster thanks to Upstart. Pros: painless, easy application process. They consider much more than just your credit score when considering your eligibility for a loan. Excellent customer service. Fast funding. Up-front and honest about additional fees. Cons: Loan origination fees are steep (5%).

6 years ago

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Sarai Rodriguez Dallas, TX

I had an excellent experience with upstart! I love that they didn't deny me for the little credit history I had. Instead they looked at the fact that I was a recent college graduate with a job who simply needed some money to take care of some extra needs. The process was quick and simple and I highly recommend it to any college graduate!

6 years ago

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kathleen Randolph, NJ

Very easy to apply and get approved. While the interest rate is moderate (but not too high), since i will be paying off high interest debts, i will be saving money in the long run! Everyone i dealt with was pleasant and professional!

6 years ago

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Chris Laguna Hills, CA

The experience with Upstart as been a very pleasant one from beginning to end. They were thorough and polite during the entire process. And funds were deposited very quickly once the verification process was complete. Thanks again to everyone at Upstart!

6 years ago

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Heather Dratler Arlington, VA

Fast, easy, great customer service. My final APR ended up being slightly higher than my original quote, but the monthly payments were the same, and it was due to how I originally reported information. I recommend that people try to be as accurate as possible in the initial rate check to avoid surprises! I've already recommended Upstart to several friends and will continue to do so - huge money saver that will help me get out of credit card debt faster.

6 years ago

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David Rowell Fall City, WA

Upstart were amazing. Very quick at verifying all my details that I uploaded. Offered a lower rate than originally quoted and the money was in my bank account 2 days later. Great service, friendly staff. Could not be happier!

6 years ago

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Steve F

I am a first time customer of Upstart and cannot begin to say enough positive things about what a fantastic experience it has been with Upstart thus far. The loan process has been straightforward, smooth and gone exactly as it was described. I would highly recommend Upstart to anyone who is considering it for their own unique situation.

6 years ago

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Mallory Hicksville, NY

I have applied for personal loans in the past for credit card refinancing and due to my less than perfect credit history I have always had difficulty. In one day I applied, uploaded my supporting documents and had a brief, non-invasive 5 minute phone call with a representative. Within 24 hours, I had my funds! Upstart has been a lifesaver!

6 years ago

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Gary Fredericksburg, VA

I can't say enough about the Upstart loan process. It was smart, quick and painless. Great experience. I got my loan funded within a few days. It is quite clear that they look at the big picture, not just a number. Not only do they talk the talk, they walk the walk. Don't hesitate to give them a try.

6 years ago

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JPH Alexandria, VA

I really could not find better than the Upstart Team Support. Amazing to work with and totally patient and helpful throughput the process. Long and Dean have been Phenomenal throughout. I would recommend Upstart in a heartbeat.

6 years ago

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Josh 'Jmo' Moshier Huntsville, AL

This company is leading the way in innovating the p2p lending market. It's refreshing to know there is a company that understands future earning power is just as important as a credit score. And their customer service is amazing!

6 years ago

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Sue Roswell, GA

First, I love that Upstart is using more than just your credit score to determine eligibility and interest rates. Second, from my online application to uploading documents and talking to an Upstart representative, this was a great experience. I feel like a person to Upstart and not just a credit score or account number. I highly recommend this to everyone!

6 years ago

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Jordan Bargas Citrus Heights, CA

Loved my experience with Upstart. Application process was quick and easy, and money was in my account day after approval. Love that they consider more than just a simple credit score, which is a terrible way to gauge someone's ability to pay. Thanks for helping me consolidate credit card debt by offering a great rate.

6 years ago

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TT Chicago, IL

There would actually categorize my experience as pre and post correspondence to the Executives at Upstart.After having been categorically declined, I wrote to Mr. Dave Girouard citing what I thought to be errors in the evaluation process.Afterwhich, the paperwork was re-reviewed and subsequently accepted....So I'd give a 0 on the initial part of the process, but then a 10 on the follow-up to my concerns.So overall, an 8 or 9 since the desired result was ultimately achieved.Very customer oriented at the end of the day.

6 years ago

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Sam Eppler Milwaukee, WI

Overall a great and easy experience. I would suggest being more clear about the up front interest charge, allowing the borrower to set a reoccurring payment that is above there minimum payment, and allowing a borrower to get a lower interest rate based off of there credit score if they have one.

6 years ago

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Una Hamer Nashville, TN

Was offered a $12,000 loan, went through the application process, the phone call, the whole bit. They waited until the evening that the loan was to expire to tell me the certificate I sent in had expired. I didn't have a copy on my home computer to send them until the next day, so they rescinded that offer and offered a lower loan amount. And here we are again on the day the loan is set to expire after calling them twice beforehand to be told they are still reviewing my application. This has got to be some kind of scam and I will be checking my checking account for any fraudulent activity by them. Terrible...stay away from these scammers!

9 months ago

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Sabrina Somerville, MA

Let's, for the sake of argument, talk about communication. Whether through email or phone, I never spoke with the same person when it came to numbers. I did speak with a wonderful woman, Colleen, three times. However, she was just a CSR. I spoke with seven different decision makers, and they all had different numbers. The initial 31% return on a $10,000 loan was just the lure. After applying, that number jumped to more than 88.7% return on that same loan after numerous conversations with those decision makers. What these people do is weed out all the natural income that should carry their decision in your favor, and keep asking for more input so they can pluck the lowest figures they can find to arrive at their decision in their favor. The problem they had with me is not my numbers, or credit score. The problem is I'm not desparate. There are companies that prey on the desparate. Now, I'm not saying Upstart is doing that, But their tactics are definitely questionable. In their first review page here, they have 38 1 star reviews, and 8 5 star reviews dating back to 2015. While this company is listed as est. In 2012, they didn't obtain most of the funding they needed until 2014 to acquire the capital to make a start. Naturally, because they were trying to establish a base, they tossed money at everyone requesting funds. So, in 2015, they raised a few eyebrows. Now, let's not forget one of the CEO's played a significant role at Google. However, she parted to create Upstart. But she remained friends, and in 2019, Upstart acquired another $50 million This is significant, because those 38 1 star reviews far outweigh the 8 5 star reviews since 2015 for a reason. Be smart, people, We look for loans to help us in times of need. Don't become a victim doing so.

10 months ago

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Allen Dale McCasland

John T is the reason for the 10 as well as the people that approve the loans. We'll done Freedom PLus.We. started application Thursday and loan was funded Friday. Wow,, you people are amazing

4 years ago

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Anne Vantine Mountain View, CA

Upstart gave me a new start! They were great about working with me to get the information together that they needed to evaluate my application even though at every step I was being thwarted by other entities.

6 years ago

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Nikolaj Zemesarajs Columbus, OH

Amazingly quick and easy process to get a loan. Plus I'm so intrigued by the other stuff Upstart adds to their risk model for loans like school and major. As a Data Analyst myself, the model seems really cool and innovative.

6 years ago

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Chris Miami, FL

Ridiculously easy application process; awesome staff; friendly callers; tech friendly for provision of evidence. All around awesome. And more importantly, GREAT interest rates!

6 years ago

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Anonymous Broomfield, CO

Upstart was a pleasant and easy experience and gave the best rates that I could not have received from my bank. Thank you upstart I will be recommending the company to everyone I know.

6 years ago

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'Buchi Pearland, TX

The process was relatively easy and fast. The requirements were explained in lay terms making it more understandable. And the best part, the rates were the lowest I have ever come across.

6 years ago

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Andres Orlando, FL

The application process is straight forward and the terms are very clear. Customer service is also excellent with very knowledgeable people willing to help you get the best conditions for your loan based on your particular situation. 100% recommended.

6 years ago

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Norkeith Smith Detroit, MI

I really appreciated the helpfulness of the loan officers. The turnaround process was very quick. They provide much lower interest rates to consolidate my debt relative to similar sites.

6 years ago

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