# Upstart Reviews **Vendor:** Upstart **Category:** [Loan Servicing Software](https://www.g2.com/categories/loan-servicing) **Average Rating:** 4.0/5.0 **Total Reviews:** 18 ## About Upstart Upstart is a platform that leverage artificial intelligence and machine learning to price credit and automate the borrowing process. ## Upstart Reviews ### 1. Wonderful experience- easy to use **Rating:** 4.5/5.0 stars **Reviewed by:** Anna K. | General Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** June 20, 2023 **What do you like best about Upstart?** Convenient to use. User friendly. Definitely helps the consumer quite a bit. I liked the customer service also. They helped answer a lot of my questions regarding my loans **What do you dislike about Upstart?** The amount of loan options were the main thing I wasn't a big fan of. The interest rates weren't too bad but just the loan options could've been a little better **What problems is Upstart solving and how is that benefiting you?** They are helping me pay off debt and consolidate my loans. This helps me long term paying off a lot of my debt I have from grad school and credit cards for sure ### 2. Unbound Upstart **Rating:** 4.5/5.0 stars **Reviewed by:** Nilay P. | Research Analyst - Data Ops Marketing & Communications Global Outreach, Small-Business (50 or fewer emp.) **Reviewed Date:** June 26, 2023 **What do you like best about Upstart?** Personal loans - Upstart Fintech Dashboard - Auto Lending - AI Lending Platform - Affordable Credits - Fixed Interest Rates - Accessibility - User Friendly - Feasible. **What do you dislike about Upstart?** The most disliked thing is its website it should be more approachable & fancy. They should provide more offers on loans & lending platforms for customer acquisition. **What problems is Upstart solving and how is that benefiting you?** Upstart is solving the most beneficial for lending loans on low & fixed rates of interest. It is straightforward to apply & access. It is simple & good to use. ### 3. Impressive, user-friendly, AI-powered lending platform revolutionizing the loan access process. **Rating:** 4.0/5.0 stars **Reviewed by:** Apurv S. | Small-Business (50 or fewer emp.) **Reviewed Date:** June 14, 2023 **What do you like best about Upstart?** One of the standout features of Upstart is its unique approach to lending. It is a very user-friendly app and gives genius rates. One of the most significant advantages of Upstart is the speed at which they provide loan offers **What do you dislike about Upstart?** One of the negative aspects of Upstart is that their loan services are not available in all states.This limited geographical coverage may be disappointing for individuals residing in areas where Upstart is not currently operational **What problems is Upstart solving and how is that benefiting you?** Upstart solves problems in the lending industry by addressing traditional credit scoring limitations, reducing lengthy loan processing times, and offering personalized interest rates. This benefits borrowers by providing more inclusive loan qualifications, quick access to funds, and fairer rates. Overall, Upstart enhances the lending experience with a streamlined process and tailored solutions. ### 4. Upstart is a AI lending platform who provides a loans such as education and employment. **Rating:** 4.5/5.0 stars **Reviewed by:** Manisha V. | Accounts Payable Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** July 11, 2023 **What do you like best about Upstart?** Upstart develope income and default prediction model to determine creditworthiness of a potential borrower.we need to pay the interest only when we are use the funds.it provide a flexible access and cashflow system. **What do you dislike about Upstart?** In which interest rate are variable.it can change any time and then bank issue a letter to you in advamce that interest rates are changing.credit score are also depend on loan that you are eligible or not for taken the loan. **What problems is Upstart solving and how is that benefiting you?** If we want to startup the business or we want to continue our study it provide us loan and fullfill our requirements.even we need not to put any assets to collateral when it comes to unsecured personal loans. ### 5. A Solid Option For Those Looking for a Small Loan or Auto Refinancing **Rating:** 3.5/5.0 stars **Reviewed by:** Brandon S. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 20, 2023 **What do you like best about Upstart?** As someone with less than stellar credit, through Upstart I was able to not only find a loan amount that helped satisfied my needs, but made it relatively issue to make payments every single month. **What do you dislike about Upstart?** Even though making a payment is relatively easy, the lack of an app and a convoluted user interface makes doing anything on their site much more difficult. **What problems is Upstart solving and how is that benefiting you?** Upstart is simplifying the convoluted process of finding a legitimate small loan via an extensive network of lenders, both big and small. When you submit one application plenty of options are at your disposal. ### 6. Upstart- A personal loan provider: **Rating:** 5.0/5.0 stars **Reviewed by:** Saurabh G. | Problem Setter, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2023 **What do you like best about Upstart?** Upstart provide quick loan approvals by leveraging its automated underwriting technology. It also offers faster decision-making than traditional lenders, enabling borrowers to receive funds more promptly. **What do you dislike about Upstart?** There is nothing that I dislike about Upstart so far. **What problems is Upstart solving and how is that benefiting you?** Upstart's application process is primarily online, and borrowers can apply for loans ranging from a few thousand dollars to $50,000, with repayment terms typically ranging from three to five years.If it is approved borrowers receive funds directly into their bank accounts which is commendable. ### 7. Choose Best money management **Rating:** 5.0/5.0 stars **Reviewed by:** Ronak A. | Computer Software, Mid-Market (51-1000 emp.) **Reviewed Date:** July 19, 2023 **What do you like best about Upstart?** Upstart is the best application that provides personalized loan suggestions, this AI tool do all the market research and give you the best option of finance and loans. **What do you dislike about Upstart?** There is no point to dislike about Upstart. It is best application. **What problems is Upstart solving and how is that benefiting you?** Helping me find the best loans and providing the best support to clients. ### 8. Legitimate Platform for loans **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Insurance | Small-Business (50 or fewer emp.) **Reviewed Date:** June 15, 2023 **What do you like best about Upstart?** This platform is fair with their credit rankings and assist people who legitimately need a loan by weighing their creditworthiness with factors other than your score. **What do you dislike about Upstart?** There are no dislikes in my opinion with this platform. Obviously the interest rates vary and can be high but you have that with any other company depending on the rating. **What problems is Upstart solving and how is that benefiting you?** Needed a loan for medical issues and they came through for me. ### 9. has a fast, simplified process and quick payout. **Rating:** 2.5/5.0 stars **Reviewed by:** kashish r. | founder, Small-Business (50 or fewer emp.) **Reviewed Date:** July 24, 2023 **What do you like best about Upstart?** The best thing about Upstart is its fast, simplified process and quick payout. **What do you dislike about Upstart?** Some customers have complained about bill payments, customer support, and Covid-19 assistance. **What problems is Upstart solving and how is that benefiting you?** Upstart solves the problem of providing personal loans to young professionals who may not have a long credit history or high credit score. ### 10. Upstart; not a bad start **Rating:** 4.0/5.0 stars **Reviewed by:** Robin R. | Small-Business (50 or fewer emp.) **Reviewed Date:** June 20, 2023 **What do you like best about Upstart?** Ease of use, moves at brisk pace, performs functions it says it will. **What do you dislike about Upstart?** Doesn't always align with the ease they claim, whether to get a loan or financial business help **What problems is Upstart solving and how is that benefiting you?** Its a great starting place to look for a loan. Almost a measuring stick....not too hard, but not easy, can't get a good amount at a decent rate. ### 11. Great Information! **Rating:** 5.0/5.0 stars **Reviewed by:** Elie J. | Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2023 **What do you like best about Upstart?** With Upstart, any help that is needed can be found. You are even helped with information on small loans. **What do you dislike about Upstart?** Not enough loans help. Can have more support in second chances. **What problems is Upstart solving and how is that benefiting you?** They are trying to solve to give everyone a second chance to pay emergency bills and fix their credit. ### 12. Best platform to take loans **Rating:** 4.0/5.0 stars **Reviewed by:** Danish K. | Senior Associate BPO (Interim Team Leader), Small-Business (50 or fewer emp.) **Reviewed Date:** July 16, 2023 **What do you like best about Upstart?** Upstart helps in finding the best lender from market. **What do you dislike about Upstart?** Platform has only two repayment term option. **What problems is Upstart solving and how is that benefiting you?** It helps me to take a loan online and connect with the lender which is appropriate as per my cibil ### 13. All in one place **Rating:** 4.0/5.0 stars **Reviewed by:** Alyssa H. | Small-Business (50 or fewer emp.) **Reviewed Date:** June 15, 2023 **What do you like best about Upstart?** Its nice to see all your options in one place to make the best decision **What do you dislike about Upstart?** Wish there were more features or ways to use the product **What problems is Upstart solving and how is that benefiting you?** Seeing all options in one spot so we can confidently make the best financial decision ### 14. Great option for consolidating debt **Rating:** 4.0/5.0 stars **Reviewed by:** John A. | Associate Director, Product, Small-Business (50 or fewer emp.) **Reviewed Date:** June 22, 2023 **What do you like best about Upstart?** Low-interest rates automatic payments No pre-payment penalty **What do you dislike about Upstart?** UI could be better as a whole experience. **What problems is Upstart solving and how is that benefiting you?** Multiple credit card balances with minimums due every month. Consolidating is very helpful and more productive. ### 15. Straightforward Loan Terms **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Oil & Energy | Small-Business (50 or fewer emp.) **Reviewed Date:** June 20, 2023 **What do you like best about Upstart?** The immediacy of funds being available. I think it took maybe 1 full day. **What do you dislike about Upstart?** Not as many partners registered. You get a lower rate if you elect refinancing and to pay directly to creditor but couldn't find my creditor. **What problems is Upstart solving and how is that benefiting you?** Interest rate financing. I had a high interest rate card that was at 25% and was able to get a loan for 11% ### 16. Quick loans **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Telecommunications | Small-Business (50 or fewer emp.) **Reviewed Date:** June 20, 2023 **What do you like best about Upstart?** Easy process. Received loan quickly. Payment process is easy. **What do you dislike about Upstart?** Strict guidelines. Hard to get second loan. **What problems is Upstart solving and how is that benefiting you?** Needed it for help with mortgage ### 17. Easy and quick **Rating:** 2.5/5.0 stars **Reviewed by:** Verified User in Financial Services | Small-Business (50 or fewer emp.) **Reviewed Date:** December 19, 2019 **What do you like best about Upstart?** Upstart was so easy to use and I was just instantly approved. My money was available next day and I was on the path to getting my debt paid off. **What do you dislike about Upstart?** All the emails they send prior to accepting terms. **Recommendations to others considering Upstart:** If you feel like you’re drowning, use Upstart **What problems is Upstart solving and how is that benefiting you?** Credit card debt. ### 18. A great service for flexible, personal loans **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Media Production | Small-Business (50 or fewer emp.) **Reviewed Date:** March 27, 2019 **What do you like best about Upstart?** The process of applying for an UpStart loan is quick and easy. You start by checking eligibility without worrying about whether or not it will affect your credit score. Even if you are not eligible for the amount you requested, they offer some other options. You can then choose different amounts to get estimated APRs. After I made my choice and they did a "hard inquiry" on my credit score, I actually got a better rate than they projected. **What do you dislike about Upstart?** So far the service has been great. My only dislike would be the unavoidable APR, though it is lower than other similar offers. **Recommendations to others considering Upstart:** Compared to loans from major banks, Upstart offers great choices. **What problems is Upstart solving and how is that benefiting you?** UpStart has allowed me to consolidate credit card debt into a personal loan, which looks better on a credit report and has the added benefit of a single payment per month. - [View Upstart pricing details and edition comparison](https://www.g2.com/products/upstart/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-14+07%3A01%3A29+-0500&secure%5Bsession_id%5D=6f4ddc30-694c-40d9-9dcc-b50be90d347f&secure%5Btoken%5D=17619dd0480ea93f67e5de1e15eef4a2b47f9ed3a3f90d317b3f30b99f9cd485&format=llm_user) ## Top Upstart Alternatives - [CloudBankin](https://www.g2.com/products/cloudbankin/reviews) - 5.0/5.0 (123 reviews) - [Finflux](https://www.g2.com/products/m2p-fintech-finflux/reviews) - 4.6/5.0 (104 reviews) - [TurnKey Lender](https://www.g2.com/products/turnkey-lender/reviews) - 4.7/5.0 (19 reviews)