I have ignored pre-screened personal loan offers for years, but couldn't pass up this opportunity to consolidate my cc debt into a single payment to become debt-free in 3 short years. Trying the snowball method to pay off my debt has not worked well for me in the past, so I am looking forward to paying balances in full and closing accounts to avoid obtaining future additional debt. I was expecting this loan process to take 3-5 business days, but had my loan approval in about an hour after uploading my requested documentation online. Excellent, transparent loan process. I would highly recommend Upstart to others looking to get out of high-interest credit card debt.
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Most Helpful Negative Review
With multiple emails they lead me to believe the loan was approved and only required a simple 5 minute "verification" call, only to tell me that my info could not be verified and subsiquently denying my application. Nothing changed on my credit report but they denied the application and didn't tell me what I needed to do. 1 star for leading me to believe I had been approved and not working through.
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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.