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Upstart Review

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Jacob Parker
Jacob Parker
Jun. 06, 20224 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 starting a business.

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

Application Process & Requirements

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

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

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

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

APRs, Loan Amounts & Repayment Terms

Upstart doesn’t charge any application fees, but it does have an origination fee of up to 8% which will be deducted from your loan. APRs offered by this service range from 3.22% - 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
APR3.22% - 35.99%
5.99% - 35.99%
Minimum credit score580None
Loan amount$1,000-$50,000***$1,000 to $50,000
Loan term36 or 60 months3 to 180 months
Suitable forGraduates or gig economy workersComparing multiple 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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  • author
    Juanita
    a day ago
    My experience was excellent

    My experience was excellent, quick, and no hassle. The information was clear and it was very simple. I felt confident all the way through the process.

    ...

  • author
    Carrie
    a day ago
    Fast approval

    Fast approval. Smooth process.

    ...

  • author
    Kemi Ademilola
    a day ago
    I had an excellent experience with…

    I had an excellent experience with upstart.

    ...

  • author
    Debra
    a day ago
    Easy

    This seemed to go very smoothly.

    ...

  • author
    Mark
    a day ago
    Very fast no problems

    Very fast no problems. Easy to navigate.

    ...

  • author
    Theresa
    a day ago
    This is my second loan with Upstart

    This is my second loan with Upstart. Easiest experience ever! so fast and understandable

    ...

  • author
    Darryl Natelli
    a day ago
    Easy and quick to use

    Easy and quick to use. No long approval process

    ...

  • author
    Kathleen
    a day ago
    Ease of use and explanations of forms.

    Ease of use and explanations of forms.

    ...

  • author
    Ken K1ken Wisell
    a day ago
    Very easy process from the beginning

    Very easy process from the beginning. I would recommend.

    ...

  • author
    Karen
    a day ago
    Easy to apply and quick response.

    Easy to apply and quick response.

    ...

  • author
    Pamela
    a day ago
    Good way to build credit

    Good way to build credit. Know within minutes of applying

    ...

  • author
    Michael
    a day ago
    Wanted to consolidate credit card debt…

    Wanted to consolidate credit card debt for me and my wife. Made it a very easy and efficient process.

    ...

  • author
    Christopher
    a day ago
    This was a very pleasant experience

    This was a very pleasant experience! Very easy application, and the ability to upload just a few documents. The ability to choose different terms and loan amounts made it very easy to navigate. I would recommend this to friends and families members

    ...

  • author
    Hector
    a day ago
    Seamless Procedure

    Seamless procedure, reasonable information gathering and speedy and accurate process. I always choose Credit Unions over banks, especially military ones.

    ...

  • author
    Cory
    a day ago
    Better than any other loan provider

    Upstart came through in a time of need for me and helped me survive when I needed it.

    ...

  • author
    Patrick
    a day ago
    Ease of the process

    Ease of the process

    ...

  • author
    Michelle
    a day ago
    it's real and easy

    easy process and auto funding in your account

    ...

  • author
    Daniel
    a day ago
    User friendly

    User friendly, easy to understand

    ...

  • author
    Emily
    a day ago
    A costumer service provider

    A costumer service provider, Joshua was truly amazing! He took the time to make sure everything on my application was correct and did whatever he could to help me!

    ...

  • author
    Terri
    a day ago
    Help desk representatives put the "help" in help desk!

    Very easy process-2nd loan with Upstart

    ...

  • author
    JLG
    a day ago
    Easiest loan process

    Easiest loan process.

    ...

  • author
    Angelica
    a day ago
    I needed money to relocate fast and I…

    I needed money to relocate fast and I literally got approved at a decent rate within minutes and with just a few clicks.

    ...

  • author
    Hannah
    2 days ago
    Ease of use and transparency.

    Ease of use and transparency.

    ...

  • author
    Joshua
    2 days ago
    Easy to apply and understand all the…

    Easy to apply and understand all the terms and conditions.

    ...

  • author
    KDH
    2 days ago
    I was nervous since this was my first…

    I was nervous since this was my first every loan. But I really needed to get my payments in order and I knew I wanted it through Upstart. The process was AMAZINGLY fast, safe and amazing.

    ...

  • author
    Brian
    2 days ago
    Easy to navigate

    Easy to navigate, and hh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$!!!!!!!!$&&&&&&

    ...

  • author
    Marieange
    2 days ago
    This process was fast & easy

    This process was fast, and easy with the terms clearly outlined. Credit cards will be paid off in no time!

    ...

  • author
    Stephane E
    2 days ago
    Fast, Easy, Fair.

    Very user friendly interface! Got my loan the next day. Fair servicer. Thank you so much. As a recent college graduate, I needed this for consolidation.

    ...

  • author
    Mi Kyung
    2 days ago
    It's a terrible help to us

    It's a terrible help to us I apply $15,000.00 they saying They gonna take the money $1,500.00 from my financial amount Then I can get money $13,500.00 How to payment !! And Interest 36.56% with+ interest for 15000 Amount +26.75% payment 3 years So they gonna 1500 + interest +interest =8,441 And I gonna paying for I get the 13500 mean is 15000 So I have to pay 15000+5,484+1467=21,961+1,500 = So total I have to 652 36 times

    ...

  • author
    Julius
    2 days ago
    Fast

    Fast, professional and would recommend to my friends and family

    ...

  • author
    Michael
    2 days ago
    This was a very easy and great…

    This was a very easy and great experience. I will recommend to all my friends and family.

    ...

  • author
    customerManny
    2 days ago
    Very easy and quick process

    The process is very easy! Very quick!

    ...

  • author
    Charles Prinzivalli
    2 days ago
    Quick and easy experience.

    Quick and easy experience.

    ...

  • author
    Ginger Rice
    2 days ago
    Amazingly simple process & this is from…

    Amazingly simple process & this is from a person who doesn't really do internet well!

    ...

  • author
    Anon.
    2 days ago
    I applied for a loan online and I was…

    I applied for a loan online and I was approved in minutes. The process was very convenient and easy.

    ...

  • author
    Milagros
    2 days ago
    Easy to apply felt confident that the…

    Easy to apply felt confident that the information was being safeguarded. I had a positive experience.

    ...

  • author
    Jack
    2 days ago
    Seamless process and unmatched customer…

    Seamless process and unmatched customer service.

    ...

  • author
    Richard
    2 days ago
    Upstart was very easy and upfront about…

    Upstart was very easy and upfront about the loan process! Thank you for being there when I needed you!

    ...

  • author
    Stacy
    2 days ago
    Applying for a loan was quick and easy

    Applying for a loan was quick and easy, it really took all of the stress off of the current situation.

    ...

  • author
    Jodie G
    2 days ago
    Ease of use and ability to complete…

    Ease of use and ability to complete application and loan approval in less than 15 minutes

    ...

  • author
    Rachel
    2 days ago
    The application process is simple

    The application process is simple. The rates are fair. Time will tell if the overall customer service experience is as great as the rest of the process.

    ...

  • author
    Amada
    2 days ago
    Process was great

    Process was great! Fast and easy! Thank you!

    ...

  • author
    Tom B.
    2 days ago
    5 Star Experience

    Process was simple from start to finish! Loan details were clear, concise, customizable and easy to understand. Received a fair rate, considering the market conditions, and the portal to the partner financial institution worked without a hitch! Would recommend to anyone looking to consolidate high interest credit card debt, thanks!

    ...

  • author
    SHERIWANA SANFORD
    2 days ago
    It doesn't take long to get approval

    It doesn't take long to get approval, the process is very easy and the paperwork is very easy steps as well.

    ...

  • author
    Joe
    2 days ago
    Fantastic Service !

    This was truly an amazing, quick, PAINLESS service. Not only was it the best rate in town by a huge margin but the application and funding was quick and very easy,

    ...

  • author
    RJO
    2 days ago
    Very quick approval

    Very quick approval. Just make sure you read the fine print. But overall experience was great!

    ...

  • author
    Kimberly
    2 days ago
    So easy

    So easy ! Fast and I never had to talk to anyone! Thank you!!

    ...

  • author
    Andrew Kelley
    2 days ago
    The overall ease and convenience.

    The overall ease and convenience.

    ...

  • author
    Byron
    2 days ago
    real easy to navigate

    real easy to navigate. fast and upfront. all the information was online

    ...

  • author
    Jaymes
    2 days ago
    Reasonable rates for honest people

    Upstart has helped my family out with unexpected costs and needs at rates that maybe higher than a conventional loan but much cheaper than credit cards when you have less than perfect credit but have a history of payment and steady income. I can't thank them enough.

    ...

  • author
    Kevin
    2 days ago
    Easy application process!!

    Easy application process!!, rate interest rate, current rates considered....

    ...

  • author
    Joanne
    2 days ago
    Super easy to get the loan funded

    Super easy to get the loan funded. Very easy navigation.

    ...

  • author
    A2
    2 days ago
    Deciding to consolidate debt was a…Difficult decision with multiple options

    Deciding to consolidate debt was a decision that I did not make lightly. I started by comparing rates through lending tree and then evaluating responses. I chose Upstart because of the rate and the simplicity of the process. I appreciate the fact that everything was done electronically. Also, that Upstart did not contacted me by phone or text repeated as did other companies. If I find the need for financial assistance in the future Upstart will be my first contact. Thank you. Chad

    ...

  • author
    Joe
    2 days ago
    Great !!

    Great !!! Quick...Easy and informative.....

    ...

  • author
    Patrick
    2 days ago
    Very easy and convenient to work with Upstart

    Very easy and convenient to work with Upstart

    ...

  • author
    Patty
    2 days ago
    This was a quick and painless loan

    This was a quick and painless loan. I don't have bad credit, I just have too much of it. So I needed help getting a loan for home repairs. Upstart helped me with that. Thank you!!

    ...

  • author
    Rebecca
    2 days ago
    Upstart is amazing to work with

    Upstart is amazing to work with. They have helped me so much. So easy to apply. I will continue to do business with them in the future. I recommend Upstart to anyone.

    ...

  • author
    Tracy-Fordville,ND
    2 days ago
    They have just made it so easy to get…

    They have just made it so easy to get the money that is needed right away.

    ...

  • author
    Cristhian
    3 days ago
    Excellent service

    Excellent service. Very easy transition to go through the process.

    ...

  • author
    NA
    3 days ago
    Ghosted after interview

    I applied and did a phone interview, everything went great. I was told I would recieve a call back the next day and never did. I emailed the recruiter twice and never heard back, completely ghosted.

    ...

  • author
    LBarton
    3 days ago
    Loan was easy to obtain and quick

    Loan was easy to obtain and quick. Web site was easy to navigate and walked you through process. Emails were right on time. Great customer service. I liked the fact they gave me 3 offers to choose from.

    ...

  • author
    Erik
    3 days ago
    Quick and easy

    Quick and easy. Great user interface. Helpful resource.

    ...

  • author
    Lori
    3 days ago
    Very smooth process

    The interest rate is less than the charge cards I have so I am going to be able to consolidate my payments to one monthly payment!

    ...

  • author
    kevin McCray
    3 days ago
    Unfair practices

    Unfair practices

    ...

  • author
    Kelli
    3 days ago
    Upstart was so easy

    Upstart was so easy, they were quick and efficient with my request, their response, and the funding of my loan! I appreciate how simple it was to navigate this process and for their huge assist on giving me an assist on taking care of my finances. I'd recommend them to anyone.

    ...

  • author
    Denise
    3 days ago
    The process was seamless and quick

    The process was seamless and quick. Would most definitely recommend

    ...

  • author
    Barbara Campbell
    3 days ago
    Loans made easy

    This is the second time I have used upstart, and I have to say it was the easiest loan I’ve ever applied for on line. Everything was simple to understand. I will gladly recommend them to anyone.

    ...

  • author
    Ashley
    3 days ago
    Life-saver

    Upstart thoroughly checked through everything without damaging my credit score and gave me excellent loan options for my consolidation loan. This made an amazing start to my week! I feel so much better to know that I’ve lowered my monthly payments through such a simple, streamlined process. It took under ten minutes for me to go through it all. Incredible.

    ...

  • author
    William L Schwab
    3 days ago
    Quick and easy.

    They make the process simple and user-friendly.

    ...

  • author
    Brad
    3 days ago
    Easy, trouble free, simple

    This process could not have been anymore simple than what it was!

    ...

  • author
    Robin
    3 days ago
    The entire procedure was quick and…

    The entire procedure was quick and painless. Best rates too.

    ...

  • author
    Sun
    3 days ago
    Helpful during a quick major purchase

    Helpful during a quick major purchase

    ...

  • author
    Temiloluwa
    3 days ago
    the service was very quick and…

    the service was very quick and painless. I will be recommending this site to every one.

    ...

  • author
    Gabriel
    3 days ago
    Great customer service!

    Quick response and courtesy from the staff.

    ...

  • author
    Michael
    3 days ago
    Treating you as a customer…

    Very easy to navigate and when you have a question someone actually answer the phone when you call in. Excellent

    ...

  • author
    Matthew
    3 days ago
    Great experience

    Great rates, great customer service, and got my funds in approximately 24 hours. Would highly recommend and will likely use their services again!

    ...

  • author
    Erik
    3 days ago
    Easy and straight forward.

    Upstart makes the loan process extremely easy and straight forward. All of the details are right there for you to see including the total cost and interest and you don't have to take time out of your day to apply in person.

    ...

  • author
    George
    3 days ago
    Very awesome experience with Upstart!

    Very awesome experience with Upstart! The loan process was easy to understand and navigate. Upstart is up front with you from beginning to end. I recommend Upstart to anyone who wants a loan. You are treated well. Thank you Upstart!

    ...

  • author
    Alex
    3 days ago
    it was quick and productive

    it was quick and productive. No hassles and quick response

    ...

  • author
    Timothy
    3 days ago
    Fast and easy services.

    Fast and easy services.

    ...

  • author
    Mark
    3 days ago
    Easy quick easy moneyand efficient

    Easy quick and efficient

    ...

  • author
    Glenn Kahanek
    3 days ago
    Easy and straightforward

    Easy and straightforward

    ...

  • author
    Kathleen Drybrough
    3 days ago
    From the start

    From the start, each agent I talked with was friendly, patient, professional, and thorough, talking me through procedures when needed. I had probably the best experience with Upstart than with any other loan company.

    ...

  • author
    Taycat
    3 days ago
    Very easy experience! 5 Stars

    Very easy experience! Will recommend to anyone I know that needs a personal loan

    ...

  • author
    Zack
    3 days ago
    Super easy to get started and…

    Super easy to get started and trustworthy!

    ...

  • author
    Marcelo
    3 days ago
    Intuitive, friendly, helpful...

    Intuitive, user friendly, and would highly recommend to anyone looking for a trusted lender.

    ...

  • author
    Grace Thompson
    3 days ago
    Quick and easy!

    Quick and easy!! Stress less anytime, especially the holiday season!! Thank you for believing in me when lots of other's wouldn't.

    ...

  • author
    Max
    3 days ago
    The process was quick and easy.

    The process was quick and easy.

    ...

  • author
    Brenda
    3 days ago
    Very easy

    Very easy, fast and decent rates!

    ...

  • author
    customer
    3 days ago
    Completing application

    It was very easy to maneuver through the application process. Online and telephonic processing was not difficult at all.

    ...

  • author
    Carolyn Johnson
    3 days ago
    Upstart has the easiest borrowing…

    Upstart has the easiest borrowing process. They have really helped me resolve some of my financial issues. I recommeythem to anyone who needs a loan quickly. There payments are very reasonable.

    ...

  • author
    Omar
    3 days ago
    Quick easy simple

    Quick easy simple

    ...

  • author
    Farrellinea
    3 days ago
    Your user-friendly web application

    Your user-friendly web application. Fast, efficient and easy.

    ...

  • author
    Juan
    3 days ago
    The ease of applying and its…Fast and Simple

    The ease of applying and its simplicity. It was to the point and done. Thank you.

    ...

  • author
    Deborah
    3 days ago
    Fast processing!

    Fast processing!

    ...

  • author
    Cee Jay
    3 days ago
    This has been a quick experience

    This has been a quick experience. If you can use a smartphone this is the way to go. Quick.

    ...

  • author
    Theresa
    4 days ago
    Amazing company!

    This is my second loan through them. The process is quick and easy! This is an amazing company

    ...

  • author
    Johnny
    4 days ago
    Very easy

    Very easy, fast application, will be a big help on getting rid of the high credit card bills and just paying interest and saving money on monthly payments!

    ...

  • author
    Bertha L
    4 days ago
    It was fast

    It was fast, clear information and the format was easy to understand

    ...

  • author
    Kelly
    4 days ago
    Easy and quick.

    Easy and quick.

    ...

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