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Upstart Reviews 63,416

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TrustScore 5 out of 5

4.9

Non-Bank Financial Service
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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the user experience, highlighting the ease and speed of the loan application process. Many appreciate the clear terms, lack of hidden fees, and the ability to manage payments effectively. People often mention the quick approval times and efficient fund transfers, making it a reliable option for various financial needs. However, some customers also noted concerns regarding the interest rates, with a few finding them high, even if manageable. A small portion of people felt that paying off loans early didn't always result in expected interest savings. Additionally, some reviewers mentioned issues with payment processing or unexpected fees, leading to frustration.

What people talk about most

User experience

Reviewers consistently express satisfaction with the user experience, highlighting its speed and ease of use.... See more

Service

Customers consistently note positive experiences with service. Reviewers frequently highlight the quick,... See more

Payment

Users describe positive interactions with payment. Many customers appreciate the fast approval and funding... See more

Price

Reviewers highlight positive aspects of price, often praising the fair and competitive rates, which are... See more

Response time

Customers had positive experiences with response times. Many reviewers praise the speed of service, with some... See more

Based on these reviews

Rated 5 out of 5 stars

I have less than perfect credit and my dog was diagnosed with cancer, the only way to save his life was come up with 5K for the Oncologist in a week to start scans, surgical removal of his tumor and c... See more

Rated 5 out of 5 stars

Received a letter today about a personal loan Upstart was offering. I was skeptical as anyone else would be but within 10min I had understood the loan amount terms and interest rates and was shocked t... See more

Rated 5 out of 5 stars

This company is amazing! Everything was easy to understand and it was a very fast process, it has actually improved my credit score as I make my monthly payments. I would highly recommend this company... See more

Rated 5 out of 5 stars

Sometimes people go through life unexpectedly that is beyond are control. But have some company's that wants to help and some who just want to make money. Upstart is a company who what to help individ... See more

Company details

  1. Non-Bank Financial Service
  2. Alternative Financial Service
  3. Car Finance and Loan Company

Information provided by various external sources

Founded by ex-Googlers, Upstart looks beyond the FICO score to assess borrowers based on work and education history. Whether you are looking to pay off credit cards, refinance existing debt or make a large purchase, Upstart personal loans can help you get the rate you deserve. Check your rate in minutes without affecting your credit score.

Contact info

4.9

Excellent

TrustScore 5 out of 5

63K reviews

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Rated 5 out of 5 stars

Very easy transaction

Very easy transaction. Friendly agents, great customer service. The process was easy to understand, uploaded a few documents and it was completed in a few days.
The payment seams reasonable. 35% interest rate seems a little high but other places are outrageous! This is a great option and reasonable quick loan

April 15, 2026
Rated 5 out of 5 stars

Recommend 10/10

This process took the nerves out of applying for a loan. The questions were quick and concise. I received my approval within 5 minutes.

April 15, 2026
Rated 5 out of 5 stars

Amazing !!!

Upstart has helped me several times when I needed it. Fast funding, great APR offers and flexible payment options. I was approved in less than 20 minutes! no paperwork, just verify your bank account.

April 15, 2026

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