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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%
2.49% - 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
    Amanda
    7 hours ago
    Super easy to do!

    Super easy to do! And fast! Lower rates than other banks

    ...

  • author
    Jane
    12 hours ago
    Better rates!

    Upstart offered just what I needed to help pay off debt at a lower interest rate and take out a little extra for some home repairs.

    ...

  • author
    Mona
    12 hours ago
    Fast easy approval

    Fast easy approval. Thank you for your help.

    ...

  • author
    Erica
    12 hours ago
    Very quick and fast!

    Very quick and fast!! Got approved in minutes.¹¹ I was a little worried because my credit was not good. Said fund will be deposited tomorrow.

    ...

  • author
    Shane
    13 hours ago
    The process was easy and fast.

    The process was easy and fast.

    ...

  • author
    Jordan
    13 hours ago
    The application process was quick

    The application process was quick, concise, and painless. The overall experience was 5 minutes and the paperwork was done without any issues. The online application can’t be any easier.

    ...

  • author
    Roland Bradford
    14 hours ago
    The Experian offer

    I found your offer on the Experian website and the process was thorough but easily completed. The process was simple and not complicated. Thanks for your service and grateful for this opportunity.

    ...

  • author
    Mari
    14 hours ago
    Fast, Easy, Simple

    The process was fast, easy, and simple. I am truly surprised by how seamless it was. I would definitely recommend to friends and family to use for any lending needs.

    ...

  • author
    Maria K
    15 hours ago
    Very quick

    Very quick, painless experience with reasonable rates

    ...

  • author
    Donald
    17 hours ago
    The application process was easy and I would recommend it to a friend.

    The application process was easy and the gentleman that I spoke with was polite and explained the next steps that gave me confidence in the process. Thanks for the great experience.

    ...

  • author
    Henry Bibbs
    17 hours ago
    Helpful Process

    Less that originally asked for but an extremely smooth transaction

    ...

  • author
    Christina
    17 hours ago
    It was a very easy process

    It was a very easy process, applying for this loan. I did have to call and needed some assistance and the gentleman on the phone was very helpful and walked me through the process. Thank you

    ...

  • author
    Candace
    18 hours ago
    The approval process may have been the…

    The approval process may have been the easiest and painless (& shame free) that I have ever experienced! Thank you so much Upstart!

    ...

  • author
    Heather Parchem
    18 hours ago
    This loan service may have saved my…

    This loan service may have saved my business!!

    ...

  • author
    BEVM
    18 hours ago
    Very efficient

    When I made a decision to go for a loan, I just simply answer all the questions and it only takes few minutes, they immediately process my loan and got an immediate approval. Very efficient!

    ...

  • author
    Jennifer
    19 hours ago
    Wow!

    Wow, so incredibly easy, fast and by far the best rates I had seen!

    ...

  • author
    Lori
    19 hours ago
    Low interest rate and had money in 24 hrs

    I applied for funds to cover out of pocket medical expenses. I was very pleasantly surprised that the interest rate I got was half of what other health care funding options charge. The process was fast and I had the money I needed in my account in 24 hours

    ...

  • author
    Smith Sr.
    21 hours ago
    Quick and painless

    Quick and painless, I am so grateful for a smooth process that took no time at all, ending in a fair and reasonable offer and loan.

    ...

  • author
    Kim Shaw
    a day ago
    Always on point when I need them...

    Not only is Upstart great at granting loans you are allowed to have more than one if they feel you can afford it. They will say no when they feel you can't manage it. I found that out a while ago as well. But each time I've truly needed them they've come through for me! They are Highly recommended in my book!

    ...

  • author
    Hetty T.
    a day ago
    Recommended Lending Service

    The initial application was straight forward and easy. The approval process was a lot smother than most lenders out there. Also in comparison their offer was better than others. I was able to provide the information and like clock work I was approved. I would recommend Upstart to all my friends and family.

    ...

  • author
    Shane
    a day ago
    Upstart is so simple

    Upstart is so simple! Their approval and vetting processes are so quick and simple and repayment has been a breeze. They have helped me save money on interest payments!

    ...

  • author
    Jacqueline
    a day ago
    Customer service was great

    Customer service was great, timely for everything. Life saver!

    ...

  • author
    Quanshanta
    a day ago
    Quick and easy process!

    Quick and easy process!

    ...

  • author
    Ronald
    a day ago
    Easy process

    Easy process, great options and quick service.

    ...

  • author
    Jayme
    a day ago
    So fast and easy!

    So fast and easy!

    ...

  • author
    George
    2 days ago
    The process was easy

    The process was easy, interest was reasonable considering it is lower than what our debt was at and now only 1 payment vs 8. Representative was friendly. The processing time was fast considering we applied on a Friday and funded Monday. May not be for everyone but if you use what they offer the right way it will save you 23 years of minimum payments...now off to close some accounts.

    ...

  • author
    Lisa
    2 days ago
    More Than a FICO!!

    So glad I applied for a loan with Upstart! Having some previous credit challenges, I was very concerned that my interest rate would be outlandish; however, the rate Upstart offered me was more than fair! I’m elated!

    ...

  • author
    Kwai Chang
    2 days ago
    Reasonable and Helpful.

    It was nice to be able to adjust the amount I was looking to borrow while I was getting rates. Other places were not as easy to do that. I also mis typed something and the people I contacted were very helpful.I started the process on Saturday afternoon and was approved on Sunday. Thank You Upstart.

    ...

  • author
    Dorothy
    2 days ago
    The loan process was quick and simple

    The loan process was quick and simple. Their decision was made within 24 hours on a weekend, how remarkable.

    ...

  • author
    Aaron
    2 days ago
    Helping Hand

    A helping hand when you need it! Fast and reliable!!! Awesome Customer Service as well!!

    ...

  • author
    Gerald
    2 days ago
    This was the easiest and fastest loan…

    This was the easiest and fastest loan process I've ever experienced!

    ...

  • author
    May
    2 days ago
    Impressed

    The easiest and most transparent process I've been part of. The next day funding process was also a relief. Thank you Upstart.

    ...

  • author
    Janice Joerges
    2 days ago
    Very easy to use!

    Very easy to use!

    ...

  • author
    Kaitlyn
    2 days ago
    Quick, easy and amazing interest rates!!

    Upstart is AMAZING and a life saver. So quick and easy. You don’t have to go to a bank and talk to someone. You can get approved within minutes and money in your bank within a couple of business days. Not to mention the interest rates are amazing!

    ...

  • author
    Katty
    3 days ago
    Quick and easy!!!

    Quick and easy!!!

    ...

  • author
    Michael Francis
    3 days ago
    The application was easy to complete

    The application was easy to complete, the approval came quickly, thank you.

    ...

  • author
    sparkle
    3 days ago
    OMG!!!!

    OMG!!!!! WOW!!!!! Really.... I researched for three weeks..surfing the web, you tube, etc... going through many, many, many sites for help.. They were the easiest !!! And reasonable rates. Thanks ...Bank people out there in the world that made my experience not so scary....and got the help I needed to get out of stupid high credit card APR'S ...yuck... Life catches up with you sometimes...and I'm glad they gave me a needed break. Thank you :)

    ...

  • author
    Michael
    3 days ago
    Quick, intuitive, user-friendly, secure

    Quick, intuitive, user-friendly, and secure! Upstart has one of the best customer loan application interfaces I've every seen!

    ...

  • author
    Nancy
    3 days ago
    It was really easy and fast to apply.

    It was really easy and fast to apply.

    ...

  • author
    Julio Z.
    3 days ago
    Great Job Upstart

    I'm astonished. Getting a personal loan from Upstart was very easy and straight forward. I recommend Upstart to anyone who needs a little financial help to release some of that financial stress. Great job Upstart!

    ...

  • author
    Mark G
    3 days ago
    Upstart is the place to go and apply…

    Upstart is the place to go and apply for a loan. They are honest and reliable. This is my third loan and I have to say I am very satisfied with their service.

    ...

  • author
    Marcia
    3 days ago
    It didn't take no time to get the loan…

    It didn't take no time to get the loan I would recommend this branch to all my associates

    ...

  • author
    Celeste
    3 days ago
    You guys are very helpful and life saver

    You guys are very helpful and life saver

    ...

  • author
    Christina
    3 days ago
    Great experience

    Great experience. Easy. Fast

    ...

  • author
    Carly
    3 days ago
    Super Easy, great reviews!

    Saw the rating on Nerdwallet and went to the website using the code that was mailed to me to check my offer. Within 15 minutes I was approved and the money is on its way to my account. Super easy and 0 stress!

    ...

  • author
    Roy
    3 days ago
    This is my second loan with upstart

    This is my second loan with upstart. The process is very simple and the monthly payment is very affordable.

    ...

  • author
    Patrick
    4 days ago
    Quick and easy........

    Quick and easy........

    ...

  • author
    Wilhelmina
    4 days ago
    Website and customer service very prompt

    Website and customer service very prompt

    ...

  • author
    Christopher
    4 days ago
    Surprisingly fast and easy process!

    The Upstart process was quick and easy!

    ...

  • author
    Tammy
    4 days ago
    Personal loan

    Experience with the process was good. Hold time for representative is good. So far no issues.

    ...

  • author
    The One
    4 days ago
    Great Loan Product

    My loan was approved quickly with minimal effort on my part.

    ...

  • author
    Desiree
    4 days ago
    I have nothing but positive feedback

    I have nothing but positive feedback. I appreciate Upstart especially in my time of need they’re there

    ...

  • author
    Ellen
    4 days ago
    Always so easy to work with

    Always so easy to work with. Appreciate the honest look into credit history and affordable options. Have never had an issue with payments, etc.

    ...

  • author
    John
    Aug 05, 2022
    Upstart Experience!

    Upstart is extremely easy to work with. The application process is secure, simple and intuitive. They are a GREAT group to work with!

    ...

  • author
    BriAnne
    Aug 05, 2022
    Process was easy

    Process was easy. Customer service was knowledgeable and answered all questions and concerns.

    ...

  • author
    Cynthia
    Aug 05, 2022
    Very easy and good terms even though my…

    Very easy and good terms even though my credit is shaky at the moment.

    ...

  • author
    George
    Aug 05, 2022
    This is the second loan that I have had…

    This is the second loan that I have had with this same lender. They have good terms and they are very easy to work with! I recommend them!👍🏼👍🏼👍🏼👍🏼👍🏼

    ...

  • author
    Lyn Wood
    Aug 05, 2022
    FAST AND STRAIGHT FORWARD

    FAST AND STRAIGHT FORWARD. I will definitely Recommend UPSTART!

    ...

  • author
    Antonio Medina
    Aug 05, 2022
    I don’t usually like to use financial…

    I don’t usually like to use financial companies because they usually make things so complicated. I have to say from start to finish the process was straight forward and very simple to apply and get approval.

    ...

  • author
    Andrew
    Aug 05, 2022
    Quick and easy to use and very happy…

    Quick and easy to use and very happy with the outcome.

    ...

  • author
    Jose
    Aug 05, 2022
    Great and fast service.

    Great and fast service.

    ...

  • author
    Bryan
    4 days ago
    So grateful!

    Unbelievably easy to get the money I needed! Instead of being in an endless cycle of credit card minimum payments, it will now all be paid off in 5 years...and I'll save thousands and thousands of dollars in the process. Thank you!!! Bryan

    ...

  • author
    Brooke
    Aug 05, 2022
    WORST experience refinancing

    WORST experience refinancing my vehicle. Receiving the paperwork was fast. I’ll give them that. I completed what I needed the first day and mailed title and all signed documents as expected. This was the end of March. It is now August and I have yet to receive my corrected title. Now, I understand the STATE provides the new title and they have processing times. I work for the state, in fact, I work in the department in which processes titles. To date, tha state has not seen the old title or the lien release from Upstart. I have called/emailed on numerous occasions only to receive unhelpful responses and lackadaisical customer service. I do not receive responses at times from Upstart. I contacted their investors as well. I will admit, that received some attention, however I still sit here without a corrected title. I am sure Upstart will claim the previous bank was non responsive and the state has not processed the new title. Not the case as I stated I work for the state and have been in contact with the previous bank. The other bank can actually tell me when my lien release was mailed and faxed. I WANT MY NEW TITLE. SEND THE LIEN RELEASE and OLD TITLE TO THE STATE FOR PROCESSING.

    ...

  • author
    N/A
    Aug 05, 2022
    Easy pre-approval process

    Easy pre-approval process, transparency on fee layout. Looking forward to getting my financial health back on track.

    ...

  • author
    Josefina Williams
    Aug 05, 2022
    Thank you so much

    Thank you so much. I’m so happy I got approved for the loan. This would help me with my expenses. So grateful and I really appreciate the offer and help for an individual like me with not really a good credit . Thank you again and more power. God Bless .

    ...

  • author
    Zachary
    Aug 05, 2022
    Quick and easy.

    Quick and easy.

    ...

  • author
    Ruben
    Aug 04, 2022
    I needed a loan I applied and I was…

    I needed a loan I applied and I was approved with in hourz, God bless upstart and Ridgewood bank and im very grateful for there loan,amen.....

    ...

  • author
    Jason
    Aug 04, 2022
    The customer service lady was so friendly and helpful

    The customer service lady was so very friendly and helpful thank you so much

    ...

  • author
    Melissa
    Aug 04, 2022
    Easiest Process

    Quick and easy

    ...

  • author
    Todd Cooper
    Aug 04, 2022
    Quick Approval for a Much-Needed Loan!

    Quick approval for a much-needed loan to cover some medical expenses. The APR leaves something to be desired, but when some help is needed, we deal with it the best we can.

    ...

  • author
    Bethany Williams
    Aug 04, 2022
    Fast

    Fast, easy, and thankful there isn't a fee like lost places for early pay off. Definitely recommend this company.

    ...

  • author
    Alex
    Aug 04, 2022
    They set me up with a bank that has…

    They set me up with a bank that has minimal online capabilities and does not allow extra payments on the loan. I wish I would have known this when I applied.

    ...

  • author
    Tina
    Aug 04, 2022
    Upstart has a very easy…

    Upstart has a very easy application/approval process. The loan process is fair and I would recommend my friends & family to be a customer of upstart.

    ...

  • author
    Ernestine
    Aug 04, 2022
    I received an advertisement from…

    I received an advertisement from Upstart was in need of a loan, completed the requirements and was approved in less than 24 hours was extremely happy because I needed to get some work done on my home. THANK YOU UPSTART!!!!

    ...

  • author
    Liza
    Aug 04, 2022
    Upstart provides reasonable loans with…

    Upstart provides reasonable loans with great payment options

    ...

  • author
    Ryan
    Aug 04, 2022
    Easy!

    The process was easy, no hassle, and super quick!

    ...

  • author
    Teresa
    Aug 04, 2022
    Upstart good way to get a loan fast and…

    Upstart good way to get a loan fast and easy in one day

    ...

  • author
    Ronald Segien
    Aug 04, 2022
    Very professional and fast

    Very professional and fast

    ...

  • author
    Florin LF
    Aug 04, 2022
    Very quick process

    Very quick process, so helpful when you need the money urgently. Thank you for your professionalism! Will come here again when and if needed.

    ...

  • author
    Tina
    Aug 04, 2022
    Very quick process

    I wasn’t able to get the amount I needed, thus the 4 stars, but I did get a very quick and easy loan. Thank you

    ...

  • author
    Steven
    Aug 04, 2022
    This is the 2nd time I’ve used Upstart…

    This is the 2nd time I’ve used Upstart for a small loan. Super happy and easy to deal with. I paid my first one off early with no fees!

    ...

  • author
    Dodie
    Aug 04, 2022
    I really had been Reluctant to do this…

    I really had been Reluctant to do this but they made me feel safe and secure and it was very easy and only took a couple of minutes.

    ...

  • author
    Lawrence
    Aug 04, 2022
    Ease of Mind

    I've got a lot of letters promising quick results to consolidate my credit card bills. Upstart was the fastest and easiest experience with a reasonable amount to make it affordable and doable. I was very impressed and it made my road to financial stability easier to travel.

    ...

  • author
    Austin
    Aug 04, 2022
    IT'S A MIRACLE

    This is God's sent.I don't know any other way to explain IT.ITS A MIRACLE. Upstart was thorough in explanation. They were professional in rounding up there paperwork. It was so simple and fast. THANK YOU UPSTART. You're the best.

    ...

  • author
    Anonymous
    Aug 04, 2022
    Amazing

    Amazing! I would recommend anytime!! 10/10

    ...

  • author
    Bob
    Aug 04, 2022
    Amazingly Easy Opportunity

    Even after pulling my credit report, I learned I had other items to consider during the loan process. Fantastic process, funded quickly, and would absolutely consider for other items such as auto loans, etc...

    ...

  • author
    Heather
    Aug 04, 2022
    Super fast and easy

    Super fast and easy! Thank you Upstart!

    ...

  • author
    Nicole
    Aug 04, 2022
    Upstart a light at the end of the tunnel!…

    For the past 2 years despite having a decent job still struggle at times. With children going off to college and all the expenses Upstart came through for me. I will always recommend Upstart to my friends and family. God bless you all and many thanks!

    ...

  • author
    Marjorie
    Aug 04, 2022
    Quick and easy debt consolidation

    I've worked with Upstart before to consolidate debt and pay off higher interest rate loans. The process is always easy and quick

    ...

  • author
    Jon
    Aug 04, 2022
    This was a great experience

    This was a great experience. Thank you!

    ...

  • author
    ERNESTO DE LEON MARQUEZ
    Aug 04, 2022
    Really good experience and user friendly website

    Well, I never heard of this company, I search for loan companies with low APR and this one was suggested, and of course, I did my research, it is legit. The process of applying and the rate was really good.

    ...

  • author
    Unknown
    Aug 04, 2022
    Easy and quick!!

    Easy and quick!!

    ...

  • author
    Oscarl
    Aug 04, 2022
    Very fast approval and very responsive…

    Very fast approval and very responsive for sure will recommend.

    ...

  • author
    S.E
    Aug 04, 2022
    This was the hardest thing I had to do…

    This was the hardest thing I had to do was s ask for help. I greatful for the sigh of relief. My payment are affordable and I only have one payment and a good interest rate. Times have been really hard try to pay catch up since COVID. This process was easy, the representative was helpful and the process was seem less.

    ...

  • author
    Chad
    Aug 04, 2022
    This is the most pain-free process that…

    This is the most pain-free process that I have ever experienced!

    ...

  • author
    Liz
    Aug 03, 2022
    Quick and Convenient

    Seamless, fast and convenient. Would recommend thank you

    ...

  • author
    Nakia
    Aug 03, 2022
    Thank You

    I was al out of hope and so very thankful at how quick the worked to help me.

    ...

  • author
    customer
    Aug 03, 2022
    the website took me to several sites…

    the website took me to several sites that seem to be not safe.

    ...

  • author
    DONOVANZMOM
    Aug 03, 2022
    The application process was very simple…

    The application process was very simple and expedient. The paperless process was also very clear. This was the most stress-less loan application I have ever experienced.

    ...

  • author
    Kimberly
    Aug 03, 2022
    Easy to navigate

    Easy to navigate, trustworthy, and reliable. We have multiple loans and they are still willing to help us because we are paying it off. Great way to go if you are in a jam.

    ...

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