Upstart provides Payday Loans, Installment Loans, and Personal Loans. The work of the site has earned a good rating on Trustpilot among users. Professional financiers also recommend Upstart for its reliability and loyal interest rates.


Loans for ANY NEEDS
APR from 4.99%

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Is Upstart legit?

Upstart loans

Upstart loan reviews

Sites like Upstart offering similar services

Upstart reviews

Upstart login

Is Upstart legit?

The company is a directly responsible creditor. The license number for financial activities is indicated at the bottom of the main page. Clients receive all loans directly from Upstart accounts. In some states, Cross River Bank conducts credit operations on behalf of the company. This opportunity is fixed legally, so customers are equally protected throughout the country. Over 5 thousand positive reviews from satisfied customers have also built up a reliable Upstart reputation.

upstart legit

Upstart loans

The company offers Personal Loans in the amounts from 5,000 to 30,000 dollars. Lending duration ranges from 3-5 years. Depending on the rating of the potential client, the service gives APR from 6.53% to 35.99%. The commission for sending money to the client's account reaches 8%. Given these criteria, some users will want to compare terms with other companies.

Read more: Upstart Personal Loans

Upstart loan reviews

Most users were satisfied with Upstart personal loans. They highlighted the following advantages and disadvantages of this direct lender.

  • The company offers favorable conditions for young people with little or no credit history. 
  • A convenient and straightforward site interface makes navigation easy. 
  • The loan calculator allows you to calculate all the available options for personal loans. 
  • If the client decides to pay the debt ahead of schedule, there will be no additional commission. 
  • The level of education and career growth add points to the credit rating.
  • In addition to APR, borrowers pay up to 8% for money transfers. 
  • Some similar services offer a lower APR. However, they do not guarantee that each borrower will receive just such conditions. 
  • If the client needs a paper copy of the check or contract, they will be provided for an additional fee.
  • Any late payment is charged a fine. This item is difficult to attribute to the minuses since absolutely all banks and lenders work according to such a scheme.

Sites like Upstart offering similar services

Compare other sites that offer Personal Loans of similar amounts:

On the Lend you site, borrowers can get a loan from $ 500 to $ 2,500. The amount in the range of 1000-2500 dollars can be reduced at the discretion of the company. The client can receive personal conditions only after a soft identity check and credit history. Such verification takes several minutes and is not reflected in the credit history in the future. The minimum stable user income should be $ 1,000. Also, members of the Air Force, Army, Coast Guard, Marine Corps, or Navy cannot become customers. For the above persons, an exception is made if the contract period is less than 30 days.

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 



The Check into cash brand sets some of the highest interest rates. Some offers exceed the recommended 36% per year. But customers have access to the maximum number of services. Among them are Payday Advances, In-Store Cash Advances, Online Payday Loans, Title Loans, Title Pawns, Check Cashing, Western Union, walk-in Bill Pay, and prepaid bank cards.

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.



Jora credit has a simple interface, but it doesn't work in all states. Also, if the borrower has not paid the debt on time, the organization forcibly removes all available money from the client's bank account.

Jora Credit offers Installment Loans and Lines of Credit.

  • MIN Loan Amount: $500
  • MAX Loan Amount: $2600
  • Terms: 24 months
  • Rates and fees: 170% - 349% APR
  • Turnaround Time: 1 business day
  • Installment Loans
  • Line of Credit
  • You reside in a state we currently serve.
  • You are at least 18 years old (19 if residing in AL).
  • You have a job or other proven source of income.
  • You have a valid e-mail address.
  • You have an active and valid checking account.
  • Simple - it’s easy to apply right from your phone, laptop or tablet – anywhere, anytime.
  • Secure - сomplete the secure online application, find out how much you can be approved for.
  • Fast - accept your loan by 10:30am Central time and you can get your funds on the same day.
  • Helpful - with Jora, you’ll have helpful tools to increase your earnings and maximize your career.
  •  Not available in all US states. 
  •  At 349%, highest rate of APR is not too dissimilar to a Payday loan.



The Loan by phone service changes the interest rates for users not only depending on the credit rating but also depending on the state. After approval of the application, the money is credited to the client's account in less than 24 hours. Among the loan products are Payday Loans, Installment Loans, and Line of Credit. You can find out personal conditions only using the loan calculator on the site. Before that, you need to create an account and pass a personal check.

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.



The Credible project is characterized by low-interest rates. APR ranges from 3.99% to 35.99%. At the same time, the refund period is 2-7 years. Users note that employees can call obsessively, reporting on new loan offers.

Credible offers Personal Loans, Student Loans, Mortgages, Credit Cards and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $1000
  • MAX Loan Amount: $100000
  • Terms: Vary by state.
  • Rates and fees: starting at 5.95% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Student Loans
  • Student Loan refinancing
  • Mortgages
  • Mortgage refinancing
  • Credit Cards
  • Credit score of 640+
  • An active checking account 
  • US residence
  • Apply once to get access to multiple lenders
  • Quick funding within 1 -2 business days
  • No additional fees
  • Not many lenders to choose from
  • Not always available for bad credit
  • Sometimes lenders may charge fees to borrow




Upstart reviews

Company policy differs from most similar services. When issuing a loan, many sites take into account only the credit rating of a potential client. The Upstart online lending platform further evaluates such parameters of the borrower as the level of education, profession, and career development stages. Therefore, the service is perfect for students of prestigious universities and colleges or those who have not yet paid a student loan.

upstart reviews

Upstart login

Before you create an account and fill out a questionnaire, you need to check the user's credit rating. This check takes several minutes. It is absolutely free and does not affect the credit rating of the client, even if he scored a few points. A preliminary assessment of the credit rating allows potential borrowers to understand what amount, APR, and loan repayment term they can count on. When applying from a registered account, these conditions may vary slightly. But a preliminary check helps draw up a rough financial plan.