Upstart logo
Visit website

Upstart Reviews 63,703

•
TrustScore 5 out of 5

4.9

Non-bank financial service
Write a reviewVisit website
Write a review

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease and speed of the loan application process, often noting quick approvals and rapid fund disbursement. Many appreciate the clear terms and straightforward nature of the service, finding it a hassle-free way to consolidate debt or secure personal loans. The positive user experience, fair approach, and helpful customer service are consistently praised. However, some customers mentioned that interest rates can be a bit high, and a few noted that processing fees might be substantial. A small number of people also experienced issues connecting to their bank during the application.

What people talk about most

User experience

Users describe positive interactions with the user experience, consistently highlighting the ease and speed... See more

Service

People report positive experiences with the service. Many customers praise the quick, easy, and efficient... See more

Payment

Customers had positive experiences with payment, praising the fast application and funding process, and the... See more

Price

Consumers find the pricing to be positive, with many reporting great interest rates and clear, upfront terms... See more

Response time

Reviewers highlight positive aspects of response time. Customers consistently report quick approval times,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

They are always trying to help you get a chance to let you get a up an going start you do right by paying your lian on time an they will always be there for you when you need that extra kick In life... See more

Rated 5 out of 5 stars

I get several credit card offers every couple of months and once in a while from loan companies who "dangle" supposed loan offers only to find out that there is a "catch" or very high interest rates... See more

Rated 5 out of 5 stars

Got a high approval odds on credit karma. I've been really searching for a good debt relief, low interest consolidation loan. I've seen a million, but for some reason this one spoke to me. I loved... See more

Rated 5 out of 5 stars

Upstart has a clean and easy to follow site when it comes to applying for a loan. I was looking around to see which sites I could qualify for and receive funds with a decent repayment amount. Upstart... See more

Company details

  1. Non-bank financial service
  2. Alternative Financial Services
  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

64K reviews

5-star
4-star
3-star
2-star
1-star

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 5 out of 5 stars

Simple and fast, instantly approved and money underway!

The process of applying for a loan was straightforward and easy for someone who has never done it and I completed it fully without assistance. The pre approval doesn't hurt credit, and gives you realistic expectations. It's worth a shot, especially if you're short on options, and money. Might just be the chance you need to get up out of the struggle you are in, I think it was for me.

26 April 2026
Rated 5 out of 5 stars

Upstart always goes above and beyond.

Upstart always goes above and beyond.

They are ready with a loan that won't leave you in ruin trying to pay it back, the money shows up fast and their website is user friendly allowing you to check your pay off rate, amount of payments and even refinancing options without a headache.

26 April 2026

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look