Upstart Personal Loans Review

Rating: 8 / 10 (Very good)
Disclosure: We receive advertising revenue from this partner. 
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Upstart brings a new approach to personal loans. The secret is that they consider more than your credit score, which means that education, job, and other variables all factor in to lower your interest rates. The net result is a lending service that connects personal loan applicants to banks who will lend you more money for less.

When you apply for a personal loan from Upstart, it will not impact your credit score. The whole process is done online and only requires a few minutes. Personal loans start at $3,000 and go up to $35,000. Upstart is a great choice if you have credit card or other high interest debt, a job, and you're looking for a smart way to lower your interest payments. Upstart lets you check your rate in only a few minutes and you can get your money tomorrow! Save money, get better rates from Upstart.



Personal loan service


Loan Details

Unsecured personal loans


Minimum loan amount


Maximum loan amount


Loan period

3 & 5 year terms

Loan rates

Starts at 4.66% to 29.99%

Upstart Representative Sample

A consumer borrowing $4,000 at a 6% APR over a 24-month period would end up paying a total of $4,254.78.


Online application time

A few minutes

Response times

A few minutes


US citizen or permanent resident

Regular employment

Active bank account

Good credit score

Information Used


Years of Credit


Area of study

Job history


Upstart Summary

Upstart is a fantastic choice for personal loans. Their innovative approach makes applying for a personal loan fast and simple. Unlike traditional loans, applying for a personal loan does not affect your credit score so there is no risk. Relative to other companies we've reviewed, Upstart offers lower interest rates for its personal loans. Rates are based on loan grades with lenders classified as AAA (best).

Six months continuous employment is minimum and qualifying for a loan is relatively easy. Low interest rates and a fast application process make Upstart an attractive option for personal loan shoppers especially if you have a job and want to lower the interest payments you're making.   


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Customer Comments & Reviews

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Fredy V
Hialeah, Florida
very bad support. Never call me...never answer me...never reply recommended.

Patty F
After receiving and email saying I was approved, I finished the application process. It took a LOT of time to do. When it was all said and done, they rejected my app because of a debt to ratio issues. That's on the credit report, so making me go through all of that wasted my time. Never again.

It would be nice if they would let you know up front the minimum credit score, as some other sites do. It would save the applicant time, energy and a bit of stress while waiting. Response time was good. However, had I known the minimum ahead of time, I wouldn't have bothered.

Marc M
Tehachapi, California
Offered 24.99% APR. Ridiculous.

Our Partner
8.0 / 10
  • You: have a college education, a job & good credit
  • Upstart: can get you $1,000 to $50,000 tomorrow 
  • Rates from 4.66%-29.99%, 3 & 5 year terms.
  • Applications do not affect your credit score