Upstart Reviews 63,416

TrustScore 5 out of 5

4.9

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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. #5 of 250 best companies in Non-Bank Financial Service
  2. #2 of 183 best companies in Alternative Financial Service
  3. #2 of 14 best companies in 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

Great experience

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 individuals to get back on track and I do appreciate that kind of business. They give you a loan that is manageable with no high rates that's what kind of lender you want. Thank you.

April 16, 2026
Rated 4 out of 5 stars

The paperwork was easy but

The paperwork was easy; however, I submitted my documents via upload and they kept asking for another one as one of the pages was incomplete. It was mot incomplete, there was no data on it and it didn't scan. Had to write "end of page" on document. Then had a difficult time getting back to upload page to resubmit it. Even called customer service twice and got the wrong answer. Finally responded to an inquiry to finalize the loan and was able to get in and resubmit the paperwork.

April 15, 2026
Rated 5 out of 5 stars

Upstart has a lending product that fits your budget

This process was recommended with outstanding approval odds from Credit Karma App. It also gave Upstart one of the highest ratings compared to the other companies offered. Everything was all in one Web browser platform even from verifying my banking information ℹ️ to confirming my current credit report via Equifax and two step authentication for your Security to constantly verify your identity - which is highly critical in these days of life altering identity theft and the Dark Web. This came at a time of heightened concern as my family is struggling with tremendous ongoing Seasons of Loss. I am extremely grateful and would highly recommend anyone with a secured bank account, verifiable consistent income and a high value in repaying their debts to consider using Upstart for any of your financial needs and please let them know that I recommended their platform

Thanks again on behalf of my extended family & loved ones
Sabrina P.
A highly satisfied customer!

April 16, 2026
Rated 5 out of 5 stars

I’ve been using this lending…

I’ve been using this lending institution for over a year. And yeah, it’s sometimes hard making tough decisions. But each time I did, I was satisfied. And doing it online made it so much easier. I came up upon some hard times. And it has taken me a year to get where I think I can be and this lending institution helped me. So if you fallen on some hard times or just need help reach out to them and see if they can help. And then stick with it and make every step count. Your future is in your hands and in the hands of God Almighty. Blessings

November 15, 2025

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