Upstart Personal Loans Reviews

4.9 out of 5 stars
1122 Reviews

From Borrowers in the last year


Application Process

5 out of 5 stars

Customer Service

5 out of 5 stars

5 5

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Most Helpful Positive Review

Oct 21, 2018
Upstart is UNIQUE!
smartborrower476 Borrower

First of all, this is a real customer review! I emphasize on it because if I - myself - read so many positive reviews anywhere about anything, my first reaction would be that the reviews are fake and written by the company/service owners. This is not the case here folks! The reason you see so may positive reviews for Upstart here is because people have actually had REALLY good experience with Upstart, and in fact, what happened to me at the end of the smooth and easy application process, when the loan was approved and originated to my bank account, I was asked by Upstart website to leave a review here at Credit Karma, and I'm more than happy to do it for other readers' benefit. So, here it goes:

I've been a long time student (darn!) living with my family, so you can imagine that how much debt and interests have been accrued on my **** high interest credit cards! I've never had a single missed payments, deragotory info whatsoever on my credit report; however, those **** credit card balances that I've been carrying from month-to-month are enough to pull down my scores and freeze it in the subprime range of 630-660ish scores in all different scoring systems. I really had no way to come out of this destructive cycle. Bad credit score --> no approval for lower rates/zero APR balance transfers nor personal loans --> increasing credit card debt ... and the destructive cycle continues on and on and deeper and deeper!

Not anymore, because Upstart is unique in the sense that it takes into account other factors like your education and the job prospects for you based on your background and skills. That's why Upstart was the only financial instituition that approved me for this amount of loan with realtively low rates. No it's not yet below 10% but much lower than my credit card APRs, and yes there is an origination fee, but even including that I'm still gonna pay lower than third of the interest paid to credit card companies. More importantly, I'm gonna get a boost in my credit score after a long time due to zeroing my revolvng balances and zero credit usage ratio, so I'm up to a healthier financial life-style of hopefully living debt-free in a few years or at least living under a way lower and managable debt. My next steps? Avoiding carrying balances with credit cards EVER AGAIN! Paying my loan installments on time and waiting for a while until my score improves and I can get even a lower APR.

Thank you Upstart for respecting my education!

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Most Helpful Negative Review

Aug 16, 2018
AWFUL Customer Service
Geminimermaid Borrower

I'm about halfway through my loan: all payments have been made on time, not once have I asked for assistance. Until yesterday. Both my home and my place of employment were under mandatory evacuation because of the fires in Northern California. I missed out on a week's worth of pay. I called and asked if I could get a one month deferment to help considering all the added expenses while under evacuation, not to mention the loss of wages. I was told NO. They have one month deferment plans, but only reserve it for times of hardship, and that this doesn't qualify. What?! The best they could do for me was extend my grace period 5 days. Thanks. That's super helpful. If I were able to get unemployment, I would qualify. Unfortunately for me, being out 1 week, I don't qualify for unemployment. Thank you, Upstart, for the extra slap in the face during this hard and stressful time.

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These reviews were written by current and former borrowers in the last year.

Dec 10, 2018
Applied and was approved within 24hrs
exdox77 Borrower

After battling my local banks for years, trying for them to help us out to consolidate our debts, they couldn't do it. Decided to check out Upstart one evening and to my surprise was approved and funded withint 24hrs. Something a traditional bank cannot do. The whole process was electronic, secure, and trusted. We have high income and can definately make it work, but having one payment for everything is much easier. So we are now in the process of planning to pay the Upstart balance off early and walk away debt free!!!!

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Dec 05, 2018
Quick and easy approval!

Upstart quoted me at a better rate than my credit union and I was approved within three hours of applying!

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Dec 04, 2018
Unbelievably easy; unbelievable relief!

Within 5 minutes I was approved and spent the rest of my night feeling giddy!

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Dec 04, 2018
Paying down credit card debt
larshimself Borrower

Easy to apply and money will be in my account tomorrow.  Simple and easy way to pay down credit card debt when your rates have gone up on cards that you have for a while/ have large balances. 

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Dec 03, 2018
xxkatie00 Borrower

I always had my finances in place. Everything was perfect with me. All of the sudden life hit me with a divorce due to unfaithfulness from my husband and a NASTY battle in court for custody of our daughter. I am now struggling to pay off some credit cards. Thank you to upstart sending their services via mail, I applied and got approved for MORE THAN I NEEDED. Now I can pay off all the debt and focus on ONE payment only. Thank you guys so much and thank you to the investors. 

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Nov 30, 2018
Moving/Funeral Loan
CTPRamirez Borrower

My family and I had some moving and funeral expenses and Upstart went above and beyond to provide excellent, timely service.  I would recommend heartily!

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Nov 29, 2018
QUick and helpful
jkwible Borrower

The process of signing up was very easy! I really appreciate that. 

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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.