Name: Upstart
Rating: 4.2

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Mark Quamme Saint Paul, MN

Everyone has been fantastic to work with! They were thorough in explaining, wanted to make sure I was getting the best rate possible, and made sure everything was set to go. I was very thankful for the help!

8 years ago

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Greer Findura Winter Park, FL

Had a wonderful experience with Upstart and have recommended it to all of my friends and family. Wonderful service and a great opportunity to receive a low-interest loan.

8 years ago

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Mark Arlington, TN

Tremendous concept...using other means and methods to evaluate risk with lending money and ignoring Fair Isaac and the FICO system in general. A quick, painless and fair process, couldn't be happier. Thanks so much

8 years ago

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Raquel Atlanta, GA

Upstart was a complete joy to work with. I am still in shock at how easy and seamless the process has been. I have already recommended Upstart to friends and family.

8 years ago

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Anthony Spinazza San Jose, CA

The process was fairly smooth. Super friendly reps. Drew was on the ball with his follow up. The girl I talked to 8/4 was super nice at first but seemed irritated as I asked to compare the difference in loan amounts vs the terms. Overall, good experience. Happy to have received the loan amount I did and impressed with turn around time.

8 years ago

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Jenn McNeely Sumter, SC

I found the recommendation through a legitimate site and decided to try because I have student loans I need to pay down before my daughter starts college herself next year. First, I had to "apply" 3 times (starting completely over) and use 3 different email addresses. Each time I tried I received a denial saying it couldn't pull my report. I was advised it was a TransUnion issue and to call them. TransUnion verified that it was nothing to do with them which I already knew because of my credit tracker service. The final time, their representative even told me to put in a fake email address. I should have known then that this isn't real. So, it finally worked and then it was denied because there is 1 missed payment from months ago despite the years of perfect payment history for years and a current score of 700 shown on the denial letter. Bottom line - this company only accepts perfect credit despite advertising that it looks at the big picture. Now I'm worried that it's just a scam in general to get my personal information. Already put the fraud alert on TransUnion for this company and will add to the other two bureaus now. While they are very friendly - it just didn't add up to the advertising on their site.

8 years ago

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Nathan B Littleton, CO

My Upstart experience was great. The woman I spoke with during the verification call was very helpful. The approval process was very easy and intuitive.

8 years ago

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Barbara German Fort Myers, FL

The process was quick and easy. The rep I spoke to on the phone was easy to talk to and explained the loan thoroughly. I'm really hoping this service helps me to manage my debt to become debt-free!

8 years ago

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Susan Boggs Columbus, OH

The only thing I was disappointed in was the "quote" was significantly different than my actual loan terms. It felt a little like "bait and switch." Otherwise, I am completely satisfied.

8 years ago

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David Storme New York, NY

Overall, the process was very nice. It was a little pushy in the emails, but on the phone very pleasant. I had some issues with confirming my account due to how my bank works with the differentiation of saving and checking accounts.

8 years ago

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Haley Stewart San Diego, CA

The process was handled smoothly and professionally. I received my loans within a week of starting the process and was offered an amazing rate. I highly recommend upstart!

8 years ago

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Sam Lynch Boston, MA

I had been trying to get a loan of this size at a similar rate for a while now and was having no luck. Upstart was very easy, and had great communication.

8 years ago

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Julie Howard Scottsdale, AZ

The experience was awesome! Very prompt communication and processing ..... 2 days from application to funds deposited. The staff was knowledgeable, polite, and made me feel important.

8 years ago

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katie Long Beach, NY

upstart was great! They made the loan process easy. The only thing I would change is if you don't get your paperwork in within a certain amount of time it will timeout. But the second loan when through in minutes !

8 years ago

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Victor Wolfforth, TX

Upstart has given me the opportunity to get out of those high interest credit cards and get a low rate that will help pay off this debt in 3 years instead of 6 years. Thank you Upstart!

8 years ago

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Cassandra Gilroy, CA

I had a pleasant experience with upstart. The process was very straight forward and easy to understand the application. Customer service was also very efficient. Thank you.

8 years ago

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Adam Wolenski Brooklyn, NY

Upstart was accommodating and probably the best people I have ever dealt with when getting a loan. Fast, responsive and courteous. I'd recommend them to anyone!

8 years ago

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Michael Perry Aurora, CO

Awesome personal, friendly service and quick processing of my loan with no hassle.So much better than big banks with their impersonal rejections based solely on old credit history.

8 years ago

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Gregory Rise Perham, MN

Pleased that the process went quickly.Too bad you do not accept PDF format on web upload, but PDF e-mail attachments worked.Laon proceeds ere in my account today, just as expected.Thanks

8 years ago

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Erin New York, NY

Very responsive - but sometimes a little too much contact. Requesting documents I had already submitted several times was a little frustrating as I was worried they hadn't been received. However, everyone I talked to was very nice and the process was incredibly quick.

8 years ago

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Carolyn Hazleton, PA

Applied online and got a response within minutes. Process of the loan servicing details and repayment policies were easy to understand. Customer service provided quick and efficient answers to all our questions.

1 year ago

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Samarra Miller Sarasota, FL

I must say I was having a issue one month paying my loan back and they cut my payment in half for 2months to help me catch up .. definitely good with working with you when times are hard.

1 year ago

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Craig Orem, UT

Upstart was able to help me and my family when it seemed like we didn't have many options. The whole approval process was much easier than expected and the interest rates were very affordable. Thanks Upstart!!

4 years ago

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Gina Donofrio Lafayette, TN

I have an Upstart loan. It was so easy to apply. I received my deposit in 2 days. They send email updates on a regular basis.

1 year ago

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Irona Lofton Fairfield, CA

Due to unfortunate events in my life I wasn’t able to keep up with my payments. My account was sent to a collection agency and I have been making on-time payments for almost a year as I try to rebuild my credit. Despite my on time payments to their collection company, Upstart still reports a negative charge off/collection to the credit bureaus monthly, drastically affecting my credit score. This doesn’t seem fair to me!

2 years ago

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Phillip Pharr, TX

wtf. I Filled out, everything on line supposedly was pre approved and qualified from the web site just need the additional documents. I’m an independent truck driver. Showed them proof of income with deposits from my pay that are direct deposited into my account. These deposits clearly show the company I get paid from with the deposits...bottomline is if they can’t use the documents that they requested or for that matter accept them. Then this sounds like it’s clearly a sham lender! Don’t waste your time with their easy application and approval.

4 years ago

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Carol A Holly Westminster, CO

I had an awful experience with Upstart. I typed my email address in wrong on the application and it took an act of God almost to correct it. I was approved for the loan and they said the funds would be in account the next day. I called the next day because there was an error message on my account. I talked to 3 people and they finally said it was because something showed up on my credit report that was not there the day before. I would never tell anyone to try and get a loan with this company they don't know what they are talking about.

4 years ago

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Manuel Moorpark, CA

Very insulting, application process was easy but they request more than necessary in my opinion. All they still need is my DNA. The video they me take of myself was odd and insulting. What they're going to do with it now. Watch it over and over and laugh at me. They pre-approved me, then I submitted everything they needed, and I means everything and them some. Did the video and phone interview to get denied 5 days later after getting my approval e-mail.

5 years ago

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Kevin Shaw Stanley, WI

Yep...don't waste your time!.... after a process of stringing a customer along for almost a week with no end in sight between emails and personal information.... >> then I get an email saying I have been approved...go into sign 1/2 hr. later and message pops ups...oops... you had a hard hit to your credit report and the loan was denied... I had never applied anywhere else... this place is a joke!

5 years ago

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SARAH S. Torrance, CA

its total ripped off. i have a loan with this company. they will charged you a big amount for finance charge which will be deducted from the principal loan., plus the monthly interest rates. if you wanna pay off the loan you can't get away with the interest cause its already included in the total amount that you have to pay off! STAY AWAY FROM THIS COMPANY IT WAS TOO LATE FOR ME!!!!!!!

6 years ago

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Dre

I thought that Upstart was the best way for me to consolidate my debt. Just as I was about to accept my loan for roughly $6,400, I read through the Promissory note, only to find that they were trying to charge me $3,700 as a finance charge! Forget these guys. I was super excited, but if something seems too good to be true, it probably is. They are not up front about these fees or charges at all throughout the process. Like the two reviews before mine, I can't quite understand all of the positive reviews on this company. It's almost as if they've written the reviews themselves.

6 years ago

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Carl Oakland, CA

I don't understand all the positive reviews. My experience has been terrible. APR bait and switch. They've completely blown their own deadlines for loan approval, we're more than a week from application, with no updates at all. Endless waits on telephone hold, and when I did finally get through (after 50 minutes on hold), agent was totally rushed and barely competent. Feels like this company is melting down. Like the reviewer before me, I'm walking away.

6 years ago

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Marie Turco Knoxville, TN

This was a HORRIBLE EXPERIENCE. I have excellent credit, a full-time job. I am a contract worker and they had NO idea how to process this --despite millions of people being contract workers. The manager admitted they didn't know how to process these. I sent paper after paper; it was never enough. They never told me one way or the other if I got the loan or not. GO THROUGH A LENDER THAT KNOWS WHAT THEY ARE DOING. Plus, the interest rate wasn't much less than I pay now. I have a Master's degree, good credit, a long work history. Their advertising ins FALSE.

8 years ago

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Rich L New York, NY

refreshing, just what the loan industry needs. Wasn't even looking for a loan, but was able to get one to refinance other debt at a lower rate.

8 years ago

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Noelle Los Angeles, CA

Efficient, sensible, and nothing scary about the process. I can't wait to be on the flip side of this business and become an investor.

8 years ago

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Anonymous Fort Mill, SC

Simple process of applying. The entire process took about three days from initial application to funding. Very well run system.

8 years ago

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Gina Gulfport, MS

The process is fast, user friendly, and very straight forward. I was very impressed with the service and professionalism of the Upstart team.

8 years ago

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Bryan Brooklyn, NY

Great customer service: knowledgeable, friendly, eager to walk me through the process, patient. Wouldn't change a thing!

8 years ago

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Sara Lowry Reading, PA

I was very happy with the process. I have been advocating for a company like yours to look at the entire person, not just a credit score.

8 years ago

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J.P Brooklyn, NY

Seamless. Lowest rates. Excellent customer service. A few of the great things about my Upstart experience. Highly recommended!

8 years ago

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Mitchell Warnecke Statesville, NC

This was so easy to fill out the Application and then actually getting the money in your account??!! It literally was 1, 2, 3 and then I had the money.

8 years ago

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Ryan Nugent Chicago, IL

Amazing service and exceptional company. I would highly recommend them and will definitely let my friends know about this company. Very impressed!

8 years ago

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jennifer Vance Tampa, FL

fast process, wonderful customer service and a true blessing of a service you provide. I will be recommending you to friends and family!

8 years ago

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Ranko Piscataway, NJ

A great company to get a loan from. Easy to upload all information needed and has low interest rates. I recommend for anyone who needs a loan.

8 years ago

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Rob Risko Los Angeles, CA

The customer service was fantastic, the rates were better than my bank would offer me, and the speed and ease of the application process was stellar.

8 years ago

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Eddie T Brooklyn, NY

The process was very easy, straight forward and I would definitely recommend to anyone looking for a loan. Keep up the great job guys

8 years ago

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Ryan McLaughlin Los Angeles, CA

Great service. The application and approval process was quick and easy. Very helpful and got a good rate for a personal loan.

8 years ago

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Jason Meade New York, NY

Great experience working with Upstart's customer service team to get my loans. Super helpful team and a speedy response overall.

8 years ago

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Taylor NM

So pleased with the whole loan process- very expedient and easy to do. Highly recommending if you have credit card debt accruing excessive interest.

8 years ago

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Ana Los Angeles, CA

Very easy to use. They replied to my email inquiry within a reasonable time and with a direct answer to my question. Very straightforward.

8 years ago