upstart.com

4.9
4.9 Based on 895 reviews

Founded by ex-Googlers, Upstart looks beyond the FICO score to assess borrowers based on work and education history. Whether you are looking to pay off credit cards, refinance existing debt or make a large purchase, Upstart personal loans can help you get...

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Average Rating

4.9

/
5

895 Reviews

5 Star
97%
4 Star
1%
3 Star
0%
2 Star
0%
1 Star
2%

All Reviews

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Lou Lou
I think for those who have way too many small credit card payments this is a great way to consolidat

I think for those who have way too many small credit card payments this is a great way to consolidate it. I applied online at 2am and had my loan in my account by 2pm. Incredible. Everything digital and quick. Now I have one solid payment and have saved hundreds in interest. Will say it is expensive to start(initiation fee taken out of loan amount) but to be honest I’ll take the speed and ease of access over being on a debt treadmill for 5-7 years. No need for Debt relief programs or bankruptcy. Thanks a lot team. Really gave me the boost I needed. Worth every penny. 🙏

5
Date of experience: Feb 26, 2026
Dianne Lamberth
This would be my second loan was easy and quick no hassle and very convenient thank you Upstart for

This would be my second loan was easy and quick no hassle and very convenient thank you Upstart for being there for me good to know there are companies out there that are willing to help those even with not so good credit.

5
Date of experience: Feb 25, 2026
Shahna McKay
They tell you that you are approved and you go through the whole process and then they deny you. Now

They tell you that you are approved and you go through the whole process and then they deny you. Now you are unable to apply anywhere else because it’s a hard inquiry to your credit. I had double my house value in equity and no missed payments on anything so no reason to deny. I was in a position of need due to my children losing their dad and they made it even harder. Disappointing for sure!! I won’t use ever again!

1
Date of experience: Feb 22, 2026
Ricardo Rosas
The loan process was smooth and straightforward. The terms were clearly explained, and there were no

The loan process was smooth and straightforward. The terms were clearly explained, and there were no hidden fees. Funding was fast, and customer service team was helpful and responsive. Overall, a positive experience and I would recommend them to others.

5
Date of experience: Feb 17, 2026
Randolph Conde
Worst company ever to give me a loan with the worst apr i have ever seen on the market 35% with a cr

Worst company ever to give me a loan with the worst apr i have ever seen on the market 35% with a credit score of 823 in credit karma and many years of excellent credit, i have other companies that offer me over 40k in personal loan with less than 13% but i came here and apply because it had good reviews and they sent me a letter before saying they would give me like a 6 percent interest rate. This company is a rip off and all a lie do not apply here for loans. Me personal opinion. If u at least give me more or less what other companies are giving me on interest rate but they are trying to rip off people by giving an interest rate 3x higher and only approve me for 17k loan when im approved already for over 40k in loans, very bad company.

1
Date of experience: Feb 15, 2026
James Cates
Please watch yourself because they are out for yourself they claim to help people that's got poor cr

Please watch yourself because they are out for yourself they claim to help people that's got poor credit but it never happens they just won't you just keep on applying this company has got to be the worst that I've ever seen they claim to help people with bad credit but that's a lie and they need to be reported

1
Date of experience: Feb 11, 2026
Sheree Alderman
I was desperate because of an unexpected illness and a car that refused to run. I didn't have much h

I was desperate because of an unexpected illness and a car that refused to run. I didn't have much hope to get help; but, with just a few questions, I had several options to help me. I was signing the note for the loan in 15 minutes!! Just waiting for it to get to my bank. God bless each and everyone that was a part of helping me. I wish you knew how relieved I truly am. And the payments are so affordable! If you are in need, call them. They really do want to help you!

5
Date of experience: Feb 02, 2026
Anthony Miklus
Joke they call every month ask me to apply last 2 times they said needed more then 6000 revenue so l

Joke they call every month ask me to apply last 2 times they said needed more then 6000 revenue so last 3 months was 33,000 an I can’t get a 5000 loan to clear up 1300 in monthly payments with stupid interest over 30% only 6 months or less owed on 3-4 year 10,000 loans on trailers etc never a missed payment with 600 plus credit score. A they can’t help. Makes no sence at all please quit calling me asking me to apply every 30 days

1
Date of experience: Jan 27, 2026
Elliot R.
Overpayment Issue After Loan Payoff

I settled my loan on December 19th, but the company has been retaining my overpayment of over 2000 dollars ever since. This situation is becoming absurd, and I won't consider borrowing from them again. Just wanted to make others aware.

3
Date of experience: Jan 22, 2026
Arabella Cooper
Smooth application and prompt approval.

The application process was straightforward, and the approval was fast and hassle-free. I've encountered many companies that approve initially but then put me through numerous challenges before ultimately denying me. I'm grateful for their assistance and will certainly continue to work with them in the future.

5
Date of experience: Jan 21, 2026

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Business Details

  • Founded by ex-Googlers, Upstart looks beyond the FICO score to assess borrowers based on work and education history. Whether you are looking to pay off credit cards, refinance existing debt or make a large purchase, Upstart personal loans can help you get the rate you deserve. Check your rate in minutes without affecting your credit score.

  • email support@upstart.com
  • call 6502041000
  • language https://www.upstart.com

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