4.0  

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.

Overview

Interest rate: 5.39-35.99%
Loan terms: 36 or 60 months
Loan amounts: $1,000 to $50,000

Years in Business – Since 2012
BBB Rating – A+

Editorial Rating

4.0 Good

“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

Pros

  • 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

Cons

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

TrustedCompanyReviews.com 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.

TrustedCompanyReviews.com 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.

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Advertising Disclosure

This site is a free online resource that offers helpful reviews and company comparisons to its visitors. The site operator may accept advertising compensation from some of the companies that appear on the site. This compensation may impact the location and order in which companies or their products are presented. Ratings that appear on this site are determined by our subjective opinion and are based on a brand or product’s market share, reputation, services, conversion rates, general consumer interest, fees and features. Company listings or rankings that appear on this site should not be construed as endorsements. Any relationship that you may form with the third parties that may be advertised or listed on this site is exclusively between you, as the consumer, and those third parties. All representations and warranties regarding the information presented on this site are disclaimed. The information, including pricing, which appears on this site is subject to change at any time. Not all companies, websites, products or services that may be available to you have been reviewed by this website.

Trusted Company Reviews may earn commission from qualifying purchases made as a result of our reviews and content.

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