Upstart

Name: Upstart
Rating: 4.2

4.2

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375 User Reviews

5.8

Overall Score

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4.2

star star star star star_border

375 User Reviews

5.8

Overall Score

Get Quote

The Good

The Bad

Bottom Line

Reviews

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Company Details

Minimum Loan Amount

$1, 000

Maximum Loan Amount

$50, 000

Loan Terms

36–60 Months

Minimum Credit Score

Undisclosed

Time in Business

12 Years

Company Headquarters

2950 S. Delaware Street San Mateo, CA 94403

Number of Reviews 375

info Source of Information

LAST UPDATED: March 15th, 2024

Upstart is a peer-to-peer lending (p2p lending) platform that offers financial solutions primarily for recent college graduates and young professionals. Borrowers can expect the following with an Upstart loan:

Loan amounts — $1,000-$50,000
Loan terms — 3 & 5 year
Rates — 8.27%–35.99% APR
Next-day funding
No prepayment penalty fee

What separates Upstart from other lending sites is its unique approval process. For a recent college graduate, Upstart looks at other factors such as education and employment history in addition to a traditional check of your credit history with major credit bureaus, increasing chance of approval.

Keep reading our for pros and cons of borrowing from this lender. Read Upstart reviews below to see what consumers have to say about the online lending service.

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The Good

High Likelihood of Approval
Flexible Options, Fast Disbursements
Loan Amounts
Pre-Qualify with No Impact to Your Credit Score
Positive Customer Reviews

High Likelihood of Approval

This lender has a minimum credit score requirement of 620, but Upstart looks at other factors to determine rates and terms, and whether or not a borrower will be approved:

Education level
Area of study
Job history
Credit score
Years of credit

The fact that Upstart doesn't only look at credit score for approval is good news for recent college graduates or young professionals who may not have an established or extensive credit history.

Flexible Options, Fast Disbursement

The loan application process is very fast. Most borrowers are able to qualify and receive their funds in as little as one business day after they apply and are approved (it takes up to three days for education loans). It is at least a day faster than some top personal loan lenders, and can be a few days faster than other peer-to-peer lending sites.

Loan Amounts

Upstart personal loan amounts range from $1,000 to $50,000. Loan amounts borrowers qualify for are based on credit scores, income, and other determining factors provided on the loan application.

Note that some states have differing minimum loan amounts that may affect your eligibility for smaller loans. Therefore, make sure that you check the specific loan terms available in your state of residence.

Pre-Qualify with No Impact to Your Credit Score

It will not affect your credit score to check what type of rate you qualify for with the Upstart network. Upstart checks your credit report with a soft credit check inquiry, which does not negatively affect your credit, as a hard inquiry does.

If you choose to accept the loan offer and continue through the loan process, Upstart will do a hard credit check. This process is standard within the industry and will have a temporary impact on your credit score.

Positive Customer Reviews

Over 80 percent of the 300 plus reviews for Upstart personal loans are four and five stars. This speaks volumes to the customer satisfaction that many of it's clients feel.

Many commend Upstart as an online lender that is fast, transparent and trustworthy.

In addition, It should be noted that when it comes to Best Company's sentiment criteria, Upstart reviews come in around two-and-a-half stars for individual breakdowns. Make sure to read both the positive and negative reviews to see if an Upstart loan is the right choice for you.

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The Bad

Higher-Than-Average Rates
May Not Be Ideal for Debt Consolidation
Fees Can Add Up

Higher-Than-Average Rates

If you're looking for a low interest rate for your personal loan, Upstart may not be the best choice for you. Upstart has a slightly higher APR range compared to its competitors, with an APR Range of 8.27 percent to 35.99 percent* (as of January 2021).

May Not Be Ideal for Debt Consolidation

Although the approval process is tailored to meet the needs of the individual applicant, being approved can be challenging. The average Upstart personal loan borrower has the following credentials:

Debt-to-income ratio of 18%
75.5% college educated
Weighted average income of $81,782
In the mid-twenties to mid-thirties age range

While 73.3 percent of Upstart borrowers state that they intend to use the loan for credit card debt consolidation, this might not be the best option for everyone, depending on the rates available to you. Because the above requirements can be challenging to meet, you may not receive the most competitive rates, which may not be the best option if you are looking to lower the interest rate on your existing debt.

Fees Can Add Up

Upstart unsecured personal loans do have fees to be aware of. Below you'll find the three most common fees that you are likely to face.

Origination fee — The origination fee is 0 percent to 8 percent of the loan amount and is taken out of the loan before the funds are disbursed to you, so the payment doesn't have to come out of your pocket. This percentage is determined by how qualified the borrower is. The higher rates go to less qualified applicants.
Late payment fee — The Late payment fee is a standard rate of 5 percent or $15 (whichever is greater) after being 10 days past due your personal loan payment. Make sure your monthly payment arrives on time. However, late fees for monthly payments like this are pretty common within the lending industry.
ACH Return or Check Refund Fee — This $15 fee is issued if bank transfers (ACH) or checks are returned or fail due to insufficient funds in your account or for any other reason.

On the upside, unlike some competing online lenders, Upstart does not charge a check processing fee or a prepayment penalty fee (an additional charge for paying off a loan early).

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The Bottom Line

When choosing a lending company, Upstart is a great option to consider, especially for young professionals with a good credit score, but little to no credit or credit history. Its unique application process allows these individuals to receive competitive terms, and to receive funding as soon as one business day after applying.

Potential borrowers should be aware of the origination and late payment fees, common in the personal loan industry, in addition to higher rates than other lenders (8.27 percent to 35.99 percent APR, as of January 2021). However, Upstart has no prepayment penalty fee or check processing charges.

With all it has to offer, we suggest considering Upstart for your personal loan needs - especially since Upstart does not require a high minimum credit rating, taking additional factors (such as education, job history, and income) into account to determine eligibility, and offering same-day approval and funding. In addition, the majority of Upstart loan reviews are positive, with customers highlighting a quick and easy application and approval process, great customer service, and competitive rates.

Have you borrowed from Upstart? Let us know about your experience with a quick review below.

^{*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 25.79 and 36 monthly payments of 37 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 loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.}

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User Reviews

Star Rating

4.2

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375 Reviews

Review Breakdown

5 grade

63%

4 grade

22%

3 grade

2 grade

1 grade

13%

Sentiment Criteria

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kelsy Chicago, IL

I have credit card debt that I would attribute to sheer stupidity on my part. I moved and put everything on my credit card (out of sight out of mind) and then when I finally had the courage to check what my debt was, I was drowning trying to pay it off living paycheck to paycheck essentially. I had reached out to various banks for loans but they would deny me because I didn't have history of loans (uh no shit), credit card companys for balance transfers but it was never enough to cover the full cost. Anyways, I found Upstart on a Facebook ad and I thought it was too good to be true. They do have an origination fee which the deduct from the overall loan and then interest charged that you pay off. The whole process took me four days total- I started on Friday and had the money by Tuesday. I knew I was initially approved within moments of submitting my information. The only tedious part was tracking down my documents (SAT Scores, Proof of Employment, College Transcript). Still worth the effort in my opinion. I would recommend this 1000x, they really do make me feel like more than my credit score.

9 years ago

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Puja Belmont, CA

Incredible service, efficient and knowledgeable staff all the way. I was impressed with the initial pre-qualification and the personalized service given by Analyst Sarah as well as other colleagues who stepped in her absence such as Long. Overall I was impressed because there was some minor issue's with my credit report, and Upstart were very supportive in assisting me clear those so that everything was squared away, within minutes of the issue's being resolved, I got my loan within the next business day. This is a great company that value's work experience/education and current earnings to determine overall eligibility not just based on credit score.

9 years ago

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Jessica Chicago, IL

I did extensive research on Upstart prior to applying for a loan. Their business model is centered around college educated professionals between the ages of 24-35 who would not quality for conventional loans through the big names due to lack of credit history. Some of their investors include Google's executive chairman and the CEO of Salesforce. This instilled a lot of confidence in me to proceed with a loan. The application process is very simple. I filled out the online form, received a confirmation e-mail request for a photocopy of my college degree, pay statement and statement of savings account. I setup a verification the next day and then had the loan dispersed the following day. All and all the entire process took less than two full days. Very simple. I don't think you will find better interests rates out there than Upstart. It's an interesting business model and a great solution for someone like myself.

9 years ago

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Victoria V Austin, TX

I actually came across Upstart through a Facebook ad. Skeptical at first, I held off on clicking, even though the message was appealing. Eventually, curiosity got the best of me and I researched the company. They were number one on Credit Karma, only had 4 and 5 star reviews, and tons of them. It became clear that they were serious about their mission statement. I used their website to get a rate quote without any financial ding on my part. Once I saw how low it was compared to my credit card APR, I decided to go through the process. They have a nice tool that lets you see what your monthly payment would be at various loan amounts for your rate, that way you can choose what you can afford. From there, you just submit proof of certain financials and scholastic achievements. It's the only service I know of that takes into account your schooling. I heard back in mere hours. After a short and very pleasant verification call with the nicest customer service person, I was assigned an account manager. Once again, it was mere hours after this call that I got the final approval email. From submitting the final piece, all of this happened for me in the course of one day. The funds will be in my account one business day from now and my credit card balance will be instantly erased. If you're looking to consolidate your credit card debt into one monthly payment at a much lower rate, this is the simplest, most trustworthy service you can go with. It was so easy and SO quick!

9 years ago

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John Tuscaloosa, AL

I found Upstart because of a Facebook ad that looked intriguing, and since they were able to give me a preliminary rate without pulling a hard credit report I figured it was worth looking into. The process was extremely easy, and 72 hours later I had the loan in my bank account and had submitted my final credit card payments. Even better, the final rate was actually lower than what I was originally quoted. The one thing I'll mention is that the origination fee (5-6%) come out of the principal, so it's worth including that when planning how much you need to ask for. They're up front about it, but keep it in mind while planning.

9 years ago

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David Lawnicki Port Orange, FL

After being declined by Prosper, and offered a ridiculous 30+ pct rate from LendingClub (both because of too high of balances carried on cards), I had almost given up on trying to consolidate my 18,000k card debt, and just put up with the extra thousands of dollars in interest fees. I then found Upstart and thought it couldn't hurt to try. I was approved for the 18k I asked for at an amazing 10% rate (coming from an average of 25%). The process was extremely simple and quick! I had the loan available in my account within 12 hours of my initial contact. With a payment of $610 over the next 3 years, I will be credit card debt free sooner than I expected. My payments are now lower than my credit card minimums and I see a light at the end of the tunnel of getting my credit under control. I couldn't be happier with Upstart!

9 years ago

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Dora Stroud

I am very pleased with the service provided me. I applied for a loan and once the application was completed, a professional representative was assigned to me. They explained everything to me and maintained constant contact with me throughout the application process. When I had to provide required verification documentation, I was notified upon receipt. EVERY PERSON that I interacted with were always courteous and professional. I started the process and to show you how dedicated they were in processing my application, they started on a Friday, Saturday was a holiday, then Sunday, they maintained contact with me during those three days. I was not mislead at no time and on Monday morning, the final steps were completed in order to finalize my loan request. Once I responded to certain requirements of me, my loan was approved. My check was deposited into my bank account on Wednesday during the day. Having read their website and decided to go with Upstart, everything they stated were in fact, TRUE. Their interest rate, based on my creditworthiness was far less than the Credit Union that I had borrowed from in the past. Thank you Upstart and I have already recommended others to visit Upstart.com and explore their lending practices and principles. ONE thing that I was most appreciative of was.that the hard inquiry was NOT on my credit file until AFTER my loan was approved, unlike many other companies, that will pull a credit report, whether you were approved or denied the loan. I HIGHLY RECOMMEND anyone to contact them for your personal lending needs. BRAVO Upstart. I am sure that should I have future lending needs, I will definitely contact your company. To JARED, you were a pleasure to work with. Normally when apply for credit, I am a bit nervous and tensed. I felt VERY RELAXED through my short process of obtaining a loan. He was FANTASTIC! !!! To the professionals that I interacted with when calling, you were so kind and friendly and too, was pleasurable to work with. Again, thanks to each and every one of you. Keep up the OUTSTANDING dedication and commitment. A job WELL DONE.

9 years ago

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Mikael Los Angeles, CA

Upstart is awesome! It's like they read my mind when creating their company. Young, educated and career-oriented individuals can prove themselves as fiscally responsible adults, and Upstart is the only lender that gives us that chance. I started my application on Monday, was approved on Tuesday, and had the funds on Wednesday! It's crazy how easy and quick it was. You have to provide documentation supporting everything in your application - luckily everything is pretty easily accessible for me. But it's something to keep in mind - you'll need transcripts, pay stubs, paperwork explaining bonuses, two forms of ID, etc. The required phone call is very quick and the representative was courteous and professional. Overall just a great experience.

9 years ago

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Patrick Miller Belmar, NJ

I was able to secure a debt-consolidation loan in 2 days and the money was deposited in my bank account on the following business day. They were able to electronically link to my bank account for verification, I don't know if that is why my approval was so fast. Everything was done online, I didn't have to call anyone. The only thing that surprised me was the origination fee that was deducted from the amount borrowed, I don't remember seeing them say that at first, but it didn't surprise me in retrospect, and I was able to cancel out of the loan to request a slightly higher amount to cover the fee, which was approved immediately. The rate that I was offered was very competitive, my credit rating was not good and I was doing this to pay off credit cards to raise my score, and the offered rate was about 1/2 of what I was seeing offered elsewhere. I'm glad that they took into account my education, etc, to see that I was worth the credit risk and could offer that rate. Even now I'm getting offers from other places and they don't even come close to the rate that I got. I am happy and they are getting their money paid back with interest, so it's win-win for both of us. I'd definitely recommend them to others.

6 years ago

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Elaine Panuccio Croydon, PA

Of course, the company needs to get something out of you, so they charge a certain percentage of your loan and take that fee out before sending you the lump sum. I applied, was approved, and received my loan within a week. I was very impressed by how quick this happened. Also, given my interest rates with my 2 credit card companies, even with the fee that Upstart charges, I'll be paying much, much less in the long run vs. continuing to be able to make only the minimum monthly payments on my credit cards. I estimated that it would have taken me 10-12 years to pay off my debt from my credit cards, but I used the loan from Upstart to completely pay off the credit cards. My credit score increased dramatically and my payment is about $100 less per month compared to when I was paying off the credit cards by month separately. It is a 5-year loan that automatically is taken out of my account and it has helped greatly. I took a star off for the fee that they charge, otherwise I have no complaints.

6 years ago

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B Kansas City, MO

I was approved within a few hours and funds the next day. Super easy and very impressed. I am 28, have a grad degree, in 15k credit card debt (kid, new house, irresponsible 20's), and an RN. SO happy to decrease my monthly credit card payments and consolidate with half of my APR percentages on my cards. I was very hesitant but will definitely be recommending. I had to leave a review due to all the recent negative ones.

7 years ago

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De'Neil Daley Cleveland, OH

Hello, I just went through the process of getting a loan through upstart. I have a decent credit score, but was denied at other places because of my debt to income ratio (student loans are my only debt, I don't even have a car note). The process was easy, I got my money in a few days. They get an 8 because it says that there is no minimum amount, but I had to take out 6k instead of the 5k I wanted because apparently 6k is the minimum in my state. Also my interest rate is 17% with a credit score of 676 (that might be helpful to some of you). So I am paying $214.28 monthly for 3 years. I will be going through another source to basically refinance this loan for a lower interest rate, but the process for that is so much longer and I needed the money sooner. So all in all, it's fast and convenient, but interest rates aren't great and there may be a minimum amount required, also they take $360 from every loan they give so I got $5640 instead of $6,000 even.

8 years ago

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Erica Van Nuys, CA

They really take the time to understand your concerns and operate ethically. I had a need for an emergency loan and this company did everything in their power to get my loan approved same day, and it happened! My funds will be in my account by tomorrow and I couldn't be more grateful!!!! The stress that has been lifted off me is incredible. When I didn't know what to do - Upstart did... and they did it with joy and much compassion. I couldn't recommend enough!!!

9 years ago

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Javier Montvale, NJ

I had a really good experience with Upstart. I feel as long as you don't lie on your application and have all the requirements, BA or MA, a good 3.5 or higher GPA, Permanent job, and a average credit score you should be good. I applied and the process took a day. Last year, i applied for Citibank and it was already 3 weeks and no answer. When they did answer it was 15% interest which i declined.

9 years ago

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Henry Gibson Anniston, AL

Upstart provides a much needed service for our generation! Many of us are graduating from college with debt to predatory credit card companies that we foolishly signed up for during our education. Upstart offered me a way of managing this debt and creating a solid plan for paying off my credit cards and getting my finances under control! Thank you to everyone who showed so much patience and even took time to make sure their offer was the most beneficial strategy FOR ME!

9 years ago

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Sabrina Park Mahwah, NJ

I am a recent college graduate and am in my second year of work. Over the past 4 years, I racked up a solid chunk of credit card debt. Refinancing using Upstart has been a HUGE burden-lifter. Getting approved for my loan was very quick and easy. The account managers responded to me on a daily basis and every step of the process felt safe and secure. If you've ever considered refinancing student debt or credit card debt, I highly recommend Upstart!

9 years ago

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J.P. Nitsch Houston, TX

The process was quick and easy. I wish I had read up on the required documentation before I started the process as there was some documentation I didn't have readily available when applying. This lead to some revisions to the loan and a little extra time to find the additional documentation to straighten out the loan terms. But even with that little hiccup everything went very smoothly.

9 years ago

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Norman Atkinson Cleveland, OH

At first I was skeptical of how long this would actually take after the documents were submitted. I've been through traditiona l banks geueling vetting process before... I was completely blown out of the water when I received my approval 12 hours after submitting my supporting documents and the funds the very next day! Upstart is truly changing peoples life for the better one loan at a time. I'm so fortunate there is a company that sees me as a person and not just another credit score.

9 years ago

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Amy Southfield, MI

Upstart is a breath of fresh air! FINALLY a company that is willing to promote a debt free lifestyle, and they ACTUALLY put "their money where their mouth is"! I LOVED my experience, and am THRILLED that upstart offers investment opportunities as well. With debt paid down, I WILL become an investor in this fantastic company who is affording me the chance to pay off debt FOREVER, and GROW my investment! PURE GENIUS!! Sooo very grateful. Thank you!

9 years ago

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Annie Honolulu, HI

We were looking for a way to consolidate our high interest credit card debt and saw your sponsored Facebook ad. We had used our credit cards to start our business and needed a way to finally get out from underneath the monthly finance change and high payments. We recently had great success with Kabbage to access a line of business capital and so we decided to take a chance on Upstart because "Why not? This could be the ticket to digging us out of a hole since no banks will help us!" Sure enough, within 2 minutes of visiting your website, we were offered just the amount we needed to help pay down most of our debt. The interest rate and monthly payback amount were both quite reasonable. Once I accepted the loan, it only took 1 more day to be approved and the next day the money was in my account. I've already paid off two credit cards and feel elated. Thank you for taking a chance on us when no one else would.

9 years ago

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George Paramount, CA

Very pleased and impressed with the process. They look at more than just your credit score, which is great. Both thorough and friendly. Easy to navigate through the process, and very helpful. Started the process on Monday afternoon, had money in my account by Wednesday morning. Would probably never use a bank for anything other than another home loan with upstart around.

9 years ago

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Melinda Zeares Plano, TX

The process, while a little complicated, was clearly explained. The customer service was outstanding. The time frame was reasonable. I really appreciate being able to get the loan I need for my business when my bank had turned me down. Basing my acceptance and rate on my education and work experience was refreshing. Finally, I got some value from that 4.0 in graduate school!

9 years ago

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Max Los Angeles, CA

Super easy to fill out the forms. I uploaded all my supporting documents and scheduled a call for the next day to see if I was approved or not. What surprised was that they called back within a couple hours, verified some things, and told me I was approved. Got the money the next business day. I'm super impressed with the service, the representative that called me, the APR I got, and can't recommend them enough!

9 years ago

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Daniel Bristow, OK

Had researched ways to consolidate my credit card debt, heard about Upstart and thought I'd try it. So glad I did. Wonderful experience in obtaining a loan with low APR. I talked with THREE different people who were all very helpful and they looked at my situation, not my credit score. I recommend Upstart to anyone looking for financing options.

9 years ago

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Sheila Arlington, VA

Was easy, clear, and fast from beginning to end. Helpful hint! If you are going to use things like your education, financial portfolio, or other aspects to get a better interest rate - already have digital copies of everything ahead of time so you can just attach them during the application process. I used Upstart to pay off a high APR credit car at 12.8% and qualified for 6.34% due to my work tenure, good grades, and financial status - as opposed to my credit score. My support agent, Jeremy, was helpful and patient!

9 years ago

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Colin Knoxville, TN

Upstart is legit. There is no other way to say it. First of all, their branding and platform are simple, minimalist, and easy-to-use. Second, their ways and culture are so different than any other company out there. This was all backed up by their customer service, which was amazing - friendly, knowledge experts of their own company. That's all we ask for! I highly, highly, HIGHLY recommend this company to ANYONE and will endorse to anyone who will listen. Thanks!

9 years ago

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Vic Parkville, MD

These guys are awesome. Where do I start? My loan application was approved in less than 6 hours! The customer service is superb!! Upstart considered my medical degree, and graduate degrees in approving my loan. In other words, rather than equate me to a number from an algorithm (and I don't discount the usefulness of credit scores when applied reasonably), they believed in my potentials. Thanks Upstart from the bottom of my heart.

9 years ago

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Brenda Dvorachek Cedarburg, WI

Absolutely flawless transaction! Applied online around 2 and was approved and ready to go in about 3 hours. The short call with the rep was easy and friendly. I uploaded all the documents they needed. Excellent interest rate that will allow me to consolidate and bring me debt freedom in 3 years. Thank you for such a wonderful platform! Such a refreshing change of pace!

9 years ago

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Norma Valencia, CA

Upstart was one of the easiest and fastest companies I have worked with. The communication was very open and quick. I never had to chase them down for anything. Ally my representative was so helpful and always replied back to my emails with in a few minutes. I really love how easy it was to work with them. I would highly recommend anyone to give Upstart a call.

9 years ago

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DJ Philadelphia, PA

The website was extremely fast and easy to fill out. I received a call an hour after filling out and including all documentation need for the loan process. The phone call was basically a verification call about my information -- after that, I hung up and received another call 15 minutes later tell me that my loan application was approved. Cannot give more praise to this seemingly, easy company to deal with. HIGHLY RECOMMENDED!

9 years ago

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Laurie Riley Boston, MA

I wanted to consolidate my credit cards in hopes of paying them down faster and saving for a down payment. The Upstart process could not have been any easier. I started the online application last night, and less than 24 hours later I've already rec'd my approval! And the loan rate I rec'd was also almost a half-point less than what was originally quoted. I highly recommend!

9 years ago

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Amy Rich

This company was fast, easy and got me the loan I requested with no trouble at all. I have a good credit score (720), but I was having trouble getting a loan because of my debt to credit ratio (which is exactly why I wanted the loan to consolidate debt). Upstart took into account what I wanted to do with the loan, that I graduated college and I have been with the same company for over 15 years, I was more than just a number to them. I would recommend them to anyone.

9 years ago

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Michael Howard Antioch, CA

Upstart loan application process was as stated, simple, fast and fair. They matched my loan request to a rate that equally rewarded me to my credit ratings. The review was took only 24 hours after I uploaded the required documentation. The site process to accomplish this was fast and simple. I received my funds the following business day after the review was completed as promised. Thanks Upstart.

9 years ago

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Steve Weissenstein Northbrook, IL

I have nothing but great things to say about Upstart. They are an innovative company who truly understands lending. The person with whom I worked, Manny, was professional, courteous, and genuinely interested in finding me the best loan. I have always felt that most lenders were much too beholden with a person's FICO score; Upstart has realized there is much more to a person character than a number.

9 years ago

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Susan Abingdon, MD

I had a great experience with Upstart. Over the course of two days, my loan was reviewed, approved, and funds were in my account. I very much appreciate that their review process considers the whole picture of an applicant, including education and future potential earnings. I always knew I would pay off my debt but Upstart has made it much easier, and I appreciate their faith in me. Customer service was friendly and prompt. Overall, a great experience and I am so relieve to be a on track to financial stability because of them!

9 years ago

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Allison R Chicago, IL

I was caught in an almost monthly cycle of payday and installment loans with insanely high interest rates. Every time I would finish paying off a loan, I would realize I'd be short on my bills the next month unless I took out another loan. My credit cards were maxed out. Money was one of my huge financial stresses. My Upstart loan gave me the chance to pay off my existing installment loans and credit cards. My credit score has gone up and because of that, I'm able to lower the interest rate and monthly payments on my auto loan.

9 years ago

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Jessica Key West, FL

From start to finish, the process could not have been better. The loan rate I received was far better than several others I had also checked. The website was very easy to use. It was also easy to upload my documents. I received an incredibly fast response. Customer service was fantastic. I had my loan in hand in about 2 days. All-in-all a fantastic experience. I would highly recommend UpStart.

9 years ago

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Thomas Maxwell Philadelphia, PA

I had taken out and paid back two loan, both early, through Upstart. I decided to apply for a third loan. While the first two times was easy, this time has been very strange. After applying, it kept saying it couldn't give me a rate and to try back after 24 hours. It wasn't until I called after 3 days was I told it was because my credit report was locked. Ok... After it was updated, they came back with an amount and offer that was 1/5 of what I requested, with odd reasons as to why. Ok. So I agree to accept that amount and then I get this very strange laundry list of items I had never been asked before, a video of me holding my license and explaining why I wanted a loan, and another copy of my university diploma, and other items I had already given then. I call and ask why, and the first rep I spoke to was convinced I had someone else on the line and read their terms about 3rd parties and power of attorney, which didn't apply to me so I felt it odd she was stating it. After telling me that they just ask for these items and don't keep what was sent from the last time (ok, weird), in the middle of me talking she reads a script about not being able to continue the call then hangs up. Ok...So I call back again and talk to someone else, who completes the phone verification, then tells me I need to submit the other items. A day or so later I was starting to upload what they requested, when it randomly sends me a denial and says there was a discrepancy in what was on my credit report, or maybe it was my education, or maybe my income. I won't know because it is apparently against their policy to tell a person what was wrong, and after calling to get an answer (and being randomly hung up on, AGAIN) the guy tells me I should just call the credit bureau and see if their information was accurate, but after explaining they wouldn't have information about my income or education, I would need to know EXACTLY what information was causing some discrepancy, to which again he stated he couldn't tell me because reasons. All in all this was a truly bizarre experience. Why deny people after approving them and then not even explain why and just make it difficult to do business? Safe to say I will NOT be using them again if this is how they treat customers who actually pay their loans off.

11 months ago

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David Adrian Morales Weslaco, TX

Easy application and approval process. I got my loan quickly with minimal effort. No early pay off penalties. They reported to the credit bureaus promptly and accurately. Interest rate was a little high but lower than many competitors. Not too bad.

1 year ago

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Andréa Rago-Craft

I had been toying with the idea of starting my own business and an upstart package came in the mail I applied and got approved but took a reasonable amount the money was in my account a few days later and my business just launched back in February I couldn’t have done it so soon without upstart

2 years ago

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adama Philadelphia, PA

it was absolutely a pleasure working with upstart. at fist, I thought it was too good to be true but it wasn't. my loan was approved within 48 hours and the money was in my account within a few days. thanks to upstart, I'm free of all my credit card debts and will be relatively debt free in 3 years.

9 years ago

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Trish Clark Seattle, WA

I never thought getting a loan to consolidate my credit card debt would be so easy! I applied on Sunday, and had the loan amount transferred to my bank account on Tuesday. The people I talked to during the application process were very helpful and kind.

9 years ago

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Jenn Marshfield, MA

I can't believe how easy the whole process was. I completed the application on Monday and the money was in my account Wednesday morning! The staff were pleasant and professional. Upstart has given me a fresh start! Thank you.

9 years ago

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Carissa Oklahoma City, OK

Upstart has been instrumental in helping me meet my financial goals and the customer service is seriously outstanding. Everyone I talk to treats me like a friend and you don't get the typical runaround of a foreign call center like you do with credit card companies. I applied at 10 am and was approved by 4 pm. Upstart is a game changer.

9 years ago

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Kennie Boynton Beach, FL

The online application was very easy to complete and the approval process was super fast. I completed my application in the evening and received approval the next day. I was able to consolidate all my credit card debt under one loan and now have just one payment. The best part, with the low rate and 3 year payoff plan, I can see the light at the end of tunnel of credit card debt.

9 years ago

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Linda Richards Staten Island, NY

I still can't believe what a great experience it was working with your team. Excellent customer service, extremely responsive to my questions and concerns. Would, and already have, highly recommend when you are considering applying for a loan.

9 years ago

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Chace Frisco, TX

The loan process was very easy. I had a hard time making money in college and getting a "real job" after. Upstart helped level the playing field against the 7 years of credit card debt I had slowly built up. With a higher paying job and less than half the initial interest rate, I will finally be free!

9 years ago

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Beth Mount Dora, FL

This was the absolute easiest loan process I have ever had! The application was easy, the person whom I spoke with to verify my information was courteous, approval was quick & I expect my funds within 48 hours (my application/approval was completed on a SUNDAY)! I highly recommend.

9 years ago

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Mary Berkeley, CA

The process is quick and easy if you have all your documents ready. The person who called me to verify was super helpful, and clearly explained the terms. The communication via email is also very clear and timely. Thank you.

9 years ago

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Doug Julius Ypsilanti, MI

We had a good experience with Upstart. The rep, Nishani, was kind and respectful and very responsive to our questions. We received our loan on the very day promised. Our only complaint would be we wish we had known upfront that there would be a $750 origination fee. We would have asked to borrow a bit more so we could pay off the total debt we wanted to clear.

9 years ago