Personal Loan Reviews


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Helpful to 1 out of 2 people

My wife and I wracked up a bit of credit card debt while we were expecting our first child. We are responsible people, but within the same year we: got married, bought a home, and found out we were expecting our first child. All blessings, but talk about a lot of financial milestones happening at once! And this is all within 1 year of finishing grad school (we have already refi'ed our loans with SoFi!). So, needless to say, any nest egg we had was depleted completely. The credit card debt was adding to the stress of also being newlyweds and first time parents. When we found out we could get a personal loan with SoFi, we didn't waste a second. We cut our interest rate by 2/3 and will pay off the debt in 1 year as opposed to 5, and we are making the same payment. It is ridiculous that a credit card company was charging us over 20% - we are both well employed and pay our bills on time, always! Basically, we are paying way less, but for better customer service. I'm happy we are building a relationship with SoFi, who is trying to do things different. Also, they offer their borrowers more than just loans. The other month, we got an email with an invitation to a happy hour in our city. We couldn't go, because of the baby, but that's awesome and I hope they come back!

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Helpful to 0 out of 1 people

Everything about Upstart is straightforward. There are no suprirses along the way. For someone who has been weary of financial institutions because of this, Upstart was completely refreshing. Their staff was friendly, answered all my questions, and didn't hide anything. Their website is so easy to use and applying for the loan was simple. I would recommend Upstart to anyone, but especially if you don't trust big banks like me. You'll find Upstart to be exactly what you've been looking for all along.

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melnewb's review was:    

 
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Helpful to 0 out of 1 people

Although it did take longer than expected (about 3 weeks overall), the process was easy, the staff were efficient and pleasant, and easily reachable. I applied, uploaded a few requested documents, answered a few questions, and was approved. Money deposited 3 days later. Overall such a great experience, I'd recommend it to anyone! 

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Mitch Richards was an absolutley wonderful representative of your company!

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cjsoup's review was:    

 
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Bad , my wife was declined a loan here with 750 score and making over 80,000 per year , we don't even have a mortgage and we went to dealer got a car at 3.75% in 1 hr. $32000 car . This people are a joke. Probably a fraud to inflate rates for desperate people, also I learn they are suntrust the worst bank ever .  

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Helpful to 6 out of 6 people

I recieved a mailer stating pre approved for up to $35,000 with an approval code. I looked them up online and saw the credit Karma reviews so I descided to respond.

In less than 10 seconds I was denied. I called the 800# as there had to be a mistake. I was told I was not pre approved, that this was an invitation to apply for the $35,000.

I explained to the man on the phone, that I only asked for $4,000. After a brief hold he came back and said they were having computer issues and he couldnt answer my

question. I explained this is false advertising. He insisted it wasnt.

I have filed a complaint with the BBB, and may share my experience with the FDIC.

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loujag's review was:    

 
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Approval amount was more than I needed but it's good to know I could have gotten more if needed .  Interest rates are very high but no penalty for early payoff !

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Ladypresident's review was:    

 
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I had a great experience here. Loved the personal touch that they put on consolidating your credit card debt. Would definitely recommend them.

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interest rate too high, offer 10% but when i went to apply give me 29.99. no way

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vad3000's review was:    

 
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Helpful to 2 out of 2 people

Credit Karma gave me 'Very Good' odds of being approved by this company. I applied for a loan much smaller than the 5,000 that I was 'pre-approved' for. I received an email that was very misleading - saying that a rep would contact me with my loan information with 24 hours. Well, 3 days later, I finally called them. I was then informed that my application had been denied. How was this? They pulled Experian, which is the only reporting agency that I don't check often, and the least updated of them all. Things that have long fallen off of my reports for Equifax and Transunion are still being reported on Experian. So, I took a hit to my credit, and still no loan. And of course, Springleaf is still sending me 'pre-approved' letters in the mail every couple of weeks. Really, I can't suggest them.

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Columbus11's review was:    

 
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