Upstart Personal Loans

Upstart offers Personal Loans in all 50 states. Review the eligibility criteria that you need to meet in order to receive a loan.

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Upstart Personal Loans

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Upstart Personal Loans review

Upstart. What you need to know

Upstart is one of the leading artificial intelligence lending platforms designed to improve access to loans and increase the chances of obtaining funding. The company offers direct payments to creditors with debt consolidation loans and able to finance loans within one business day. However, before applying for a loan from Upstart, please pay attention to the origination fee. The most popular loan product of the company is Personal Loan. You are able to receive funding in all 50 states.

Upstart Phone Numbers and Operating Hours

Phone

Customer Support:

(650) 204-1000 (local)

1-855-438-8778 (toll-free)

Corporate Inquires (Press / Businesses / Affiliates / Institutions):

1-833-212-2461 (toll-free)

Operating hours

General support:

Monday to Friday on business days:

6:00 AM - 5:00 PM PT (9:00 AM - 8:00 PM ET)

Saturday and Sunday:

6:00 AM - 5:00 PM PT (9:00 AM - 8:00 PM ET)

Payments:

Monday to Friday on business days:

6:00 AM - 6:00 PM PT (9:00 AM - 9:00 PM ET)

Saturday:

7:00 AM - 4:00 PM PT (10:00 AM - 7:00 PM ET)

IMPORTANT: The company also informs that they will be unavailable on New Years Day, Thanksgiving Day, Christmas Eve, and Christmas Day.

Also for support questions, you can contact Upstart by email.

Upstart Personal Loans

Personal Loan is a type of loan that can be used for various personal needs. Upstart Personal Loan can be used for various needs such as home improvement, car repairs, debt consolidation, medical expenses and so on. Upstart says that the majority of borrowers use a loan to consolidate their existing loan or credit card debts.

As already mentioned, the main distinguishing feature of the company is artificial intelligence. Thus, the underwriting helps borrowers with bad credit to get a loan if they get enough money to cover the debt. So if your FICO credit score is at least 580 you can apply for an Upstart Personal Loan and get approved. Also, a Personal Loan from this company is suitable for quick financing to consolidate debt or cover other personal needs.

What requirements do you need to meet to get Upstart Personal Loan?

  • First of all, you must be at least 18 years old. You also need to provide a personal bank account with US routing number and valid email account.
  • Another important thing for obtaining a Personal Loan is your income. You must have a regular monthly income source (minimum gross income $ 12,000)
  • The minimum FICO credit is 580.
  • Also you must submit a US residential street address

Upstart Benefits

  • Pre-qualification. The prequalification process gives you the opportunity to understand what potential lending rates and conditions you can get.
  • Fast financing. The company offers next business day loan financing.
  • Various ways to pay off debt. Borrowers can pay off debt by paper check, automatic payments, or online.
  • Refinancing. Borrowers can get an Upstart loan in order to consolidate their debt on another loan (if it is not an Upstart loan)
  • Availability. Upstart operates in all 50 states, so it won't be a problem for you to find a lender where you live.

Upstart Disadvantages

  • Payment terms. Borrowers can choose only one of two options: two-year or five-year loan repayment terms.
  • No co-sign option. Many borrowers use a co-signer to get better interest rates and loan terms, however this option is not available with Upstart.
  • There are no secured loans. Borrowers often provide collateral in order to get approval, but the company does not offer this option either.
  • Origination fee. While most personal lenders do not charge an origination fee, at Upstart you have to deal with this.
  • Late fees. If you miss a loan payment, you will also have to face late fees.

Sites like Upstart

Overall Rating

4.8
  • Quick Personal loans of $5,000 - $35,000
  • Instant loan decision
  • Funding within 1 - 2 business days
  • Trusted direct lenders
  • Available for poor credit or no credit
  • No hard credit check
Loan Amount Interest Rate Loan Term
Up to $35,000 Vary by state A few months - 7 years

 

Overall Rating

5.0
  • Bad credit Personal loans of $5,000 - $35,000
  • Instant decision from direct lenders
  • Same day funding 
  • Trusted lending companies
  • More than 1,000,000 positive customer reviews
  • No hard credit check
Loan Amount Interest Rate Loan Term
$5,000 - $35,000 Start at 3.99% APR Up to 5 years
 

Overall Rating

4.7
  • Quick loans up to $35,000
  • Fast loan approval
  • Funding with a direct same day deposit
  • 300+ direct lenders
  • 1K+ positive customer reviews
  • Available for bad credit
Loan Amount Interest Rate Loan Term
Up to $35,000 13.9 - 27.2% APR 2 - 7 years
 

Overall Rating

5.0
  • Personal loans of $1,000 - $35,000
  • Quick funding
  • Easy online application
  • Bad credit OK
  • Trusted direct lenders
  • More than 1,000,000 positive customer reviews
  • No hard credit check
Loan Amount Interest Rate Loan Term
$1,000 - $35,000 Vary by state Up to 7 years

Overall Rating

4.8
  • Quick loans up to 35 000$

  • Fast funding

  • Easy online application

  • Bad credit OK

  • Verified customer reviews

Loan Amount Interest Rate Loan Term
Up to $35,000 Vary by state A few months - 7 years

 

Overall Rating

4.9
  • $5,000 - $35,000 Personal loans Online for Bad Credit
  • Instant approval decision 
  • Same day financing  
  • Fast and safe online application
  • No collateral is required
  • No hard credit check
Loan Amount Interest Rate Loan Term
$5,000 - $35,000 Start at 4.99% APR Up to 7 years
 

Get your money NOW!

FREE APPLICATION FORM

Check your eligibility without affecting credit score

We keep your personal information secured!

By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use,I understand that by submitting my information, I may be contacted by telephone by one lender.