Debt Consolidation



About Upstart

Upstart is a lending platform that partners with banks and credit unions and provides consumer loans using non-traditional variables like education and employment, to predict creditworthiness.

Loan options are available for borrowers with lower credit scores or minimal credit history. They also offer direct creditor payments for debt consolidation loans.


Loan Amount
$1,000 to $50,000
Interest Rate
Loan terms
36 or 60 months
Years in Business
Since 2012
BBB Rating

Editorial Rating


“Upstart offers fast loan options for borrowers with lower credit scores but does not having a mobile app”

Benefits and Features

No minimum credit score
Soft credit check to pre-qualify
Get funding in one day
Payment date flexibility
Available in all 50 states
Online application and approval


  • Options for borrowers with new credit history
  • Able to fund loans one business day after the borrower accepts a loan offer
  • Offers direct payment to creditors for consolidation loans
  • Allows borrowers to choose and change payment dates


  • No mobile app
  • Origination fee may change
  • Only two repayment term options
  • No rate discount for autopayments
upstart logo

Contact is not a provider of debt consolidation or resolution. Ratings that appear on this site are determined by our subjective opinion and are based on an analysis that aggregates a company’s reputation, services, general consumer interest, fees and features. Listings that appear on this site are not endorsements.