These folks are amazing. They are really easy to talk to, super understanding of your situation, and want to help. I just got my loan approved and will be getting it tomorrow. Thanks again!
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I've been a customer of Upstart's with an active loan since early 2015. All on-time or early payments above the minimum. 683 Transunion FICO score (the only credit bureau they pull) and was denied for a second loan due to "Your current and/or expected income is insufficient to support payments on an Upstart Loan in addition to your existing payment obligations." Um, not only do I make a salary in the mid $90s but my credit history is flawless with on-time payments and I requested "pay off credit cards" as my reason for the second loan. Even at the highest APR, my monthly payments would be lower than they are now. If Upstart is supposed to look beyond your credit score, they certainly didn't the second time around.
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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.