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Upstart Review

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Jacob Parker
Jacob Parker
May. 04, 20214 min read

Upstart summary

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

Pros

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

Cons

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

Editorial score

Variety of loan types

Offers all loan types

5.0

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Loan amount range

Loan amount up to $50K

4.0

Repayment flexibility

Loan terms 60 months+

4.0

Suitable For?

College grads

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

Anyone who earns through Airbnb, Lyft, or Uber

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

Poor credit holders who can’t get approved elsewhere

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

Range of Loans on Offer

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

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

Application Process & Requirements

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

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

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

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

APRs, Loan Amounts & Repayment Terms

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

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

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

Privacy & Security

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

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

Help & Support

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

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

How Upstart Compares


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

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

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

FAQs

Q. Can I appeal an Upstart Adverse Action Notice?

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

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

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

Q. How fast can I get my money?

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

Q.  Are Upstart repayment rates variable? 

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

Summary

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

Physical Address

Upstart Operations Dept.

2950 S. Delaware St.

San Mateo, CA 94403

USA

Disclaimers

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

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

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

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

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

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

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

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

Jacob Parker
Written byJacob Parker

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

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See what some costumers are saying about Upstart
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  • author
    Daniel M.
    11 hours ago
    Great Experience!

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

    ...

  • author
    Marisela
    12 hours ago
    it was super easy and very responsive

    it was super easy and very responsive

    ...

  • author
    Michael
    13 hours ago
    Very fast and easy

    Very fast and easy

    ...

  • author
    Anne
    15 hours ago
    What a great process very safe

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

    ...

  • author
    Tsiamis
    16 hours ago
    Amazing

    Amazing Tried investing in crypto? Give a try to wellinvested.org . They are legit and genuine site with an incredible policy for payments. I’m getting much profit here

    ...

  • author
    Susan
    17 hours ago
    Due to unexpected expenses

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

    ...

  • author
    Noah Miller
    18 hours ago
    Was super easy and gave me the best…

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

    ...

  • author
    Greg
    18 hours ago
    The process was quick and easy to use.

    The process was quick and easy to use.

    ...

  • author
    Roger
    18 hours ago
    Short and simple

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

    ...

  • author
    Ashley
    18 hours ago
    easiest process

    easiest process

    ...

  • author
    Wade
    a day ago
    One word

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

    ...

  • author
    Mike
    a day ago
    Easy to go through

    Easy to go through, easy to work with. Reliable

    ...

  • author
    Emily M.
    a day ago
    Awesome Experience

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

    ...

  • author
    Andrea
    a day ago
    The loan process was extremely easy and…

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

    ...

  • author
    shelley
    a day ago
    Easy and quick process

    Easy and quick process. Straight forward.

    ...

  • author
    ANN
    a day ago
    Very easy and convenient

    Very easy and convenient

    ...

  • author
    Raymond law
    a day ago
    Fast approved and good reliable service…

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

    ...

  • author
    Donell Owens
    a day ago
    Thank you Customers Bank!

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

    ...

  • author
    Ann
    2 days ago
    Great transaction

    Great transaction. Professional customer service.

    ...

  • author
    James
    2 days ago
    The process was quick and easy

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

    ...

  • author
    Debbie
    2 days ago
    Easy to apply and submit documents

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

    ...

  • author
    Drew Debessonet
    2 days ago
    Fast and easy

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

    ...

  • author
    Personal loan lendee
    2 days ago
    Fast, user-friendly and simplified process

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

    ...

  • author
    Jeff
    2 days ago
    Wow!

    Wow, this was quick! Thank you, Upstart!

    ...

  • author
    Sandra
    2 days ago
    Sandy from Orlando

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

    ...

  • author
    R Doubek
    2 days ago
    UpStart is Awesome!

    App was so easy and a quick response!

    ...

  • author
    Joy
    2 days ago
    I got approved for a loan within 30…

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

    ...

  • author
    Jason
    3 days ago
    This was a super seamless process so…

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

    ...

  • author
    Hailey
    3 days ago
    This is a fast process

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

    ...

  • author
    Regina
    3 days ago
    Applying for a loan was super easy

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

    ...

  • author
    A K
    3 days ago
    This was the easiest process I've ever…

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

    ...

  • author
    Kristy
    3 days ago
    Super simple & easy

    Super simple & easy. Thank you!

    ...

  • author
    BDS
    3 days ago
    Painless Application

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

    ...

  • author
    Anthony
    3 days ago
    This was one of the most easiest and…

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

    ...

  • author
    AG
    3 days ago
    Great amazing service !!!

    Great amazing service !!!

    ...

  • author
    Angela
    3 days ago
    The whole process was quick and…

    The whole process was quick and painless.

    ...

  • author
    Steven
    4 days ago
    Very friendly and very helpful.

    Very friendly and very helpful.

    ...

  • author
    Jose
    4 days ago
    Quick and simple process

    Quick and simple process, everything was easy to understand

    ...

  • author
    Satisfied
    4 days ago
    Easy as 1 2 3!

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

    ...

  • author
    Maddie
    4 days ago
    This was the most efficient loan…

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

    ...

  • author
    Tia
    Jun 12, 2021
    fast painless approval process

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

    ...

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

    Thank you for making this an easy process

    ...

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

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

    ...

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

    Easiest process I have ever used to borrow funds.

    ...

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

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

    ...

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

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

    ...

  • author
    Eleanor
    Jun 11, 2021
    Excellent service

    This process was seem less and fair.

    ...

  • author
    Sunny D
    Jun 11, 2021
    Who woulda thunk

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

    ...

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

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

    ...

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

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

    ...

  • author
    Mary
    Jun 11, 2021
    Upstart is awesome

    Upstart is awesome! I got my loan approved in 5 minutes

    ...

  • author
    Mat
    Jun 11, 2021
    Received advertizement with $100 amazon…

    Received advertizement with $100 amazon gift card offer if upstart can offer me better rate then my current loan rate. Upstart rate was way higher then my current personal loan rate, I applied for gift card, but every time was getting error messages. Contacted company, but they never resolved this issue.

    ...

  • author
    Rebecca
    Jun 11, 2021
    So easy and secure

    So easy and secure. Non-intimidating to a not very tech savvy person!

    ...

  • author
    Steven
    Jun 11, 2021
    The Process was incredibly easy!

    The Process was incredibly easy! I asked for $5,000 and was approved in 15 minutes! All information was provided for me and I could have declined at any time! Their rate was better than the credit card rates that I was getting so It was a no brainer for me. Pay off high interest cards and just have a low interest loan payment.

    ...

  • author
    David C
    Jun 11, 2021
    Fast and Painless Loan Process

    Quick and easy process. Found them via CreditKarma.com for a personal loan to consolidate debt. Have used several others but their processes are very tedious and this time they were coming in with a higher percentage and monthly rate. Figured, I'd give them a shot as I've received marketing stuff from them before and sure enough, it was a fast, painless process that guided me to make the right decisions for what's best for me and my family. Definitely recommend!

    ...

  • author
    Gabriel
    Jun 11, 2021
    Very efficient

    Very efficient , reliable and secure way to apply for a loan. I am very satisfied.

    ...

  • author
    The Smith Family
    Jun 11, 2021
    The process was very easy and simple

    The process was very easy and simple. I highly recommend Upstart to anyone to meet their loan needs.

    ...

  • author
    Darla
    Jun 11, 2021
    Great Experience!

    I had been looking to consolidate a a loan to pay off high interest credit cards. I was considering another company, but just didn't feel comfortable. There was the origination fee, that was not apparent in the initial stages of the loan, and the website was difficult to get comparative information from, and the customer service was mediocre. I landed on Credible that gave me some loan options without origination fees, and that took me to Upstart and Community Bank. WOW! I got better rates, no origination fee, lower monthly payments, and the customer service was amazing and friendly and helpful! The process was easy and fast. I am hopeful for my financial future now.

    ...

  • author
    Thomas
    Jun 11, 2021
    Solid

    Straight forward, super clear instructions and well operating platform. Made sign up a breeze

    ...

  • author
    Stephen
    Jun 11, 2021
    I enthusiastically recommend Customers…

    I enthusiastically recommend Customers Bank as a lender. The loan application process was easy to complete and I was offered much better terms than I expected. I am going to save a lot of money refinancing my debt.

    ...

  • author
    Michael
    Jun 11, 2021
    This was the easiest process ever for a…

    This was the easiest process ever for a loan. Thanks Upstart!

    ...

  • author
    Rodrigo
    Jun 10, 2021
    Thank you Upstart!

    Thank you Upstart! Our loan want approved in a matter of minutes. My family and I are extremely thankful for your help!. Thank you again

    ...

  • author
    Joe Johnson
    Jun 10, 2021
    Simple Personal Loan Solution

    Simple, quick, helpful info, and very user friendly.

    ...

  • author
    David
    Jun 10, 2021
    So fast and professionally executed

    So fast and professionally executed. I'm impressed!

    ...

  • author
    Jo
    Jun 10, 2021
    Easy to do online and understand with…

    Easy to do online and understand with quick response when call and explain steps and process with a low rate

    ...

  • author
    Scott
    Jun 10, 2021
    Easy,simple,fast

    Easy,simple,fast. Could not be easier to save with a great rate.

    ...

  • author
    Scott
    Jun 10, 2021
    The process is quick and easy

    The process is quick and easy. The interest is much less than expensive credit card rates.

    ...

  • author
    Tina
    Jun 10, 2021
    Highly Recommended

    Highly Recommended! The application process was easy and fast. Customer service was very helpful when I needed to lower the loan amount from my original request.

    ...

  • author
    Ian
    Jun 10, 2021
    I don't think I've ever borrowed money…

    I don't think I've ever borrowed money easier than this. I appreciate the help they're giving me and the money they're going to save me. If you're serious about paying down debt, Upstart can probably help.

    ...

  • author
    Karen
    Jun 10, 2021
    I took this loan to payoff credit…

    I took this loan to payoff credit cards. The application process was quick and the interest was very reasonable.

    ...

  • author
    Allycia
    Jun 10, 2021
    This was the easiest process

    This was the easiest process! I applied for a debt consolidation to payoff some credit cards and a small personal loan with a higher APR and my loan was approved in less than 5 mimutes!!

    ...

  • author
    Denise
    Jun 10, 2021
    Great Company! Extremely Fast Process

    This is a great company to do business with. The process was fast and efficient! No stress! I recommend Upstart 1000%.

    ...

  • author
    Jeshua
    Jun 10, 2021
    Upstart was super fast and easy

    Upstart was super fast and easy. They got back to me within 24hrs. If you need help getting out of debt, upstart is definitely a useful resource.

    ...

  • author
    Natalie
    Jun 10, 2021
    Wow this was so fast and easy

    Wow this was so fast and easy, it didn't seem real.

    ...

  • author
    Tracee
    Jun 10, 2021
    Easiest Loan by far to complete

    The process was super simple and super easy and even when a snag came up they helped me work through it and get my loan approved. Will definitely be recommending them!!

    ...

  • author
    Donna
    Jun 10, 2021
    Upstart was very easy to use

    Upstart was very easy to use. They walk you through every step.

    ...

  • author
    Yudith Fleary
    Jun 10, 2021
    This is real

    This is real, Thank you so much to Upstart staff for making this process so quick and efficient. I really thank them for the help and consideration throughout the process.

    ...

  • author
    Rosey
    Jun 10, 2021
    its truly an UPSTART!

    Its very helpful financially. I have time to go over with other offers and looking to the offer that Upstart gave, i felt safe to take the offer and with low interest without additional fees, saving money is yours to keep. Thank you for the opportunity and the online application is awesome. You can really save money, save time and off to go in paying bills.

    ...

  • author
    Sammer
    Jun 10, 2021
    mind blown

    Wow, very impressive and seamless process, start to finish.

    ...

  • author
    Chad Crowell
    Jun 10, 2021
    easy apply process

    easy application process and intuitive website experience!

    ...

  • author
    Brian
    Jun 10, 2021
    Easy process

    Easy process. Lowest rate I found when shopping around.

    ...

  • author
    Jo
    Jun 10, 2021
    Very Quick and easy

    Very Quick and easy

    ...

  • author
    Ingrid
    Jun 09, 2021
    Thanks,

    I will recommend to anyone who is interested in getting a loan. Great customer service.

    ...

  • author
    Luis
    Jun 09, 2021
    The immediate support from Upstart is…

    The immediate support from Upstart is commendable. In about 15 mins they solved not only my current financial situation but my future world of finance. The statement above is in testament of what it was accomplish in the last 15 mins or so. If I will recommend their services to my kids? Heck, 'Big Yes'. I am almost about to say; INCREDIBLE!!! Thanks fellows; I am signing this msg. Signed. Luis xxxxxxxx

    ...

  • author
    Kay
    Jun 09, 2021
    Very easy to work with and efficient

    Very easy to work with and efficient. Correspondence and telephone communication was very friendly and courteous.

    ...

  • author
    Katelyn
    Jun 09, 2021
    Quick and Easy!

    Quick and easy process. If you are in the middle of a life transition and need some extra funds, I highly recommend them!

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  • author
    Delene
    Jun 09, 2021
    The process was really fast (about 15…

    The process was really fast (about 15 minutes). Everything was understandable, and when I called the customer service line to ask a question about pre-payment I was able to speak to a human after just 1 button push, and it seems that the call was not outsourced. She was also knowledgeable and helped answer my question in under 5 minutes. An enjoyable experience actually.

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  • author
    Deborah
    Jun 09, 2021
    Wow. Great service!

    Wow. Couldn't be easier! From start to approval by bank was maybe 30 minutes. It's hard to believe that it could be this easy. I put my info into the Upstart page, received several offers, picked the best offer for me and was quickly linked to that bank. After that it was about another 10 minutes and my loan is approved and on the way! Thanks Upstart!

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  • author
    Nhan
    Jun 09, 2021
    Awesome!!

    Than you for helped me to solve my problem. U guys are the best!

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  • author
    Emilio
    Jun 09, 2021
    In-between looking to move into a new…

    In-between looking to move into a new place and ensuring I can pay for it, Upstart really gave me the chance to quickly pay off debit and invest in what I want.

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  • author
    Rick
    Jun 09, 2021
    Got Swindled.

    First, like most here, we watch our "score" very closely and try to stay away from hard-pulls when possible. When Upstart came up as an EXCELLENT approval, I saw no reason not to apply (even at 31%!!!, ). Application process went smooth - very easy to follow. I had to call customer service for a quick question - and you get actual ENGLISH speaking support - extremely rare these days. Super nice to boot! So why the 1/5 stars? All in all I felt swindled hard core. First you are dealing with a company (Upstart in this case) with over 30% interest rate - yes totally agree. However, I only needed the loan short period to pay off all my creditors, wait til the score returns back to normal, then get another loan and a lower interest then pays these guys off (+30%). All the paper work was uploaded, and still got the green light. Another few minutes: Got an email that says "YOUR LOAN IS APPROVED" but we need to do a hard-pull. I'm like ".. fine, its approved, they probably needed some final details for their records" Next email (minutes later) "..We are sorry we cannot approve you!! They lied. I was very transparent. As shown by all documents. Swindled! I checked the reason, it was because 1 (count it: ONE) hard pull from the day before on a credit card - was trying to get a increase (it was that or a loan). I called Upstart customer service and had a long chat with a not so friendly staff (not rude, just not approachable) - I asked ".. How can an inquiry affect my ability to pay back a loan? Especially when I have a 98% payback rate (which means I could have 100 loans - I never miss a payment)" she could not answer. I told her this is not acceptable, but did not argue the point, but did leave her with this message - I was disappointed that upstart's "slippery" application process (all leading to approval) has produced for their company all kinds of personal information from me to a company(Upstart) that I do not have any business relationship with. her reply ".. our website is very secure - you don't have to worry" (obviously oblivious to unscrupulous staff that may use this info at any given time) I am happy others have had good luck with them. Just didn't work for me. And my record was not that bad, just one inquiry.

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  • author
    Karl
    Jun 09, 2021
    Website was very easy and self…

    Website was very easy and self explanatory. Able to navigate with ease.

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  • author
    Keith
    Jun 09, 2021
    As smooth a process as you'll find online

    This process from beginning to end was exceptionally easy. The web process is setup to flow very smoothly which eliminated a lot of paperwork that would traditionally need to be scanned or provided via pdf. The process is well-thought out and the account links are embedded to ensure you can go from start to end for consideration in a matter of minutes. whoever worked the customer experience approach should be commended. Highly recommend this service.

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  • author
    Joshua
    Jun 09, 2021
    Very quick and had no hiccups

    Very quick and had no hiccups

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  • author
    Kelly Taylor
    Jun 09, 2021
    What they say is not true and this is not worth your time.

    I applied for a loan which they said I was preapproved for and then after weeks of submitting different documents and having to prove I was a graduate student, I received a phone call that I finally got approved for how much less amount than originally stated. Then all I have to do is login and accept the loan at which point Upstart would run my credit again to make sure everything was still good. I accepted the loan and in a few seconds was told by the computer, sorry you’re not approved. Why in the hell did the guy waste my time calling me two times before telling me I was approved and go sign my documents. During this time of crisis we have all been dealing with, this is the time to lead people in the wrong direction. Immediately after the computer said no, I had alerts from all of my credit watching apps letting me know about the hard inquiry which had just been run on me. First of all why did they say I was approved a month ago after checking my credit? Secondly why did they go back-and-forth of me for a month requiring me to do all this stuff and then call me to tell me that I’m finally approved just to have me hit submit to accept the terms and then run a hard inquiry again after everything, which WILL affect my credit score, just to end up telling me NO!!!! What a waste of my time and energy!!! What a waste to my credit score from this loan company! I am trying to rebuild my credit, duh!!! They falsely advertise about not affecting your credit score and about preapprovals after you give them your private information. They have you do all this stuff for nothing. I have never been so unsatisfied. There’s no reason to lie to people. Several loan companies immediately give you an answer. Nobody does crap like this except Upstart!!!!

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  • author
    Mary
    Jun 09, 2021
    This loan process was extremely easy

    This loan process was extremely easy. I was really surprised that the loan process occurred so quickly. All it seems that I had to do was enter a few personal details and sign the documents online. Thank you.

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  • author
    Darlene
    Jun 08, 2021
    Simple and Straightforward

    If you are looking for a loan that is simple and straightforward, Upstart is for you. The APR was competitive and the reasonable monthly payments allow me to to pay off some higher interest credit card debt.

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  • author
    Jacqui
    Jun 08, 2021
    User-Friendly

    The process was so easy and the site is user-friendly. I would definitely recommend it to a friend in the same boat as me.

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  • author
    Caitlin
    Jun 08, 2021
    I had an issue getting funding to pay…

    I had an issue getting funding to pay down credit card debt acquired during the pandemic due to a lack of savings, upstart has been a life saver!

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  • author
    Matt Moulds
    Jun 08, 2021
    This company is a waste of your time

    This company is a waste of your time. If you don't provide the proper documents the first time they don't contact you in any way to give you an opportunity to correct the documents. Instead, they deny you affecting your credit negatively with a "sorry, this was weird that our credit analyst didn't contact you" and "no they can't reopen the application. You have to wait 30 days to re-apply." So let me save you the trouble. Look elsewhere because they will ding your credit when you can easily afford they're little loan.

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