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Upstart Personal Loans Review | The Motley Fool

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.author-hover-bio{position:absolute;cursor:auto;background:#fff;padding:1.2rem;max-width:100vw;min-width:300px;display:none}.author-wrap.author-hover .author-hover-bio .author-bio-content{padding:12px}.author-wrap.author-hover .author-hover-bio a{color:#35B2D6!important}.author-wrap.author-hover .author-hover-bio a:hover{color:#0095C8!important}.author-wrap.author-hover .author-hover-bio .author-bio-description{color:#53565A;letter-spacing:2.2px;font-size:1.4rem;line-height:1.8rem;font-weight:700}.author-wrap.author-hover .author-hover-bio .authors__social{margin:2.4rem 0 0;display:flex;justify-content:flex-start}.author-wrap.author-hover .author-hover-bio .authors__social .social-icon{height:1.6rem;width:1.6rem;margin-right:1.2rem}.author-wrap.author-hover .author-bio-name{display:flex;flex-direction:row;align-items:start}.author-wrap.author-hover .author-bio-name.author-wrapper-fact-checker{flex-direction:row}.author-wrap.author-hover .mobile-link-disable .text-normal{color:#1c1d20}.soc-share{display:inline-block}.soc-share svg circle{fill:#006BA6}.soc-share .soc-fb:hover svg circle{fill:#3B5998}.soc-share .soc-email:hover svg circle{fill:#AC145A}.soc-share .soc-li:hover svg circle{fill:#0077B5}.soc-share .soc-twit:hover svg circle{fill:#1DA1F2}.soc-share .soc-copy:hover svg circle{fill:#FFB81C}.soc-share .soc-icon{display:inline-block;position:relative;top:1rem;margin:0 .25rem}.soc-share .soc-icon:hover{transform:rotate(-10deg) scale(1.3)}p.soc-share__title{color:#8A8C8E;display:inline-block;font-size:1.2rem;font-weight:700;line-height:1.4rem;padding-right:1rem;text-transform:uppercase}.nav-disc.socLinks{padding:1.6rem 0 2.4rem}@media (min-width:768px){.nav-disc.socLinks{padding:3.6rem 0 3rem}}.faq__expand-icon{background:url("https://g.foolcdn.com/static/affiliates/project/images/icons/accordion_plus.svg?dcbd768875d0") no-repeat center center;height:18px;position:absolute;right:2px;top:2.2rem;transition:all ease-in-out 100ms;width:18px}.block-qa_list_no_schema .faq__expand-icon{top:inherit;bottom:1.2rem}.faq__question-container{padding-bottom:0;position:relative;transition:padding-bottom 100ms ease-in-out 100ms;width:100%;background:none;border:0;text-align:left}.faq__list{position:relative;margin-top:0;padding-left:0}.faq__list-item{border-bottom:1px solid #CACBCB;list-style:none;padding:.4rem 0;transition:border 0.3s ease}.faq__list-item:first-child{border-top:1px solid #CACBCB}.faq__list-item:hover{cursor:pointer}@media (min-width:992px){.faq__list-item.accordion--active .faq__expand-icon,.faq__list-item[expanded] .faq__expand-icon{background:url("https://g.foolcdn.com/static/affiliates/project/images/icons/accordion_minus.svg?535fe9c8ad45") no-repeat center center;transition:all 100ms ease-in-out}.faq__list-item.accordion--active .faq__question-container,.faq__list-item[expanded] .faq__question-container{padding-bottom:14px;transition:padding-bottom 100ms ease-in-out 100ms}}@media (max-width:991px){.faq__list-item.accordion--active--mobile .faq__expand-icon,.faq__list-item[expanded] .faq__expand-icon{background:url("https://g.foolcdn.com/static/affiliates/project/images/icons/accordion_minus.svg?535fe9c8ad45") no-repeat center center;transition:all 100ms ease-in-out}.faq__list-item.accordion--active--mobile .faq__question-container,.faq__list-item[expanded] .faq__question-container{padding-bottom:14px;transition:padding-bottom 100ms ease-in-out 100ms}}.faq__list-item--accordion{border:0!important}.faq__list-item--accordion .faq__expand-icon{margin-top:24px}.faq__list-item--accordion .faq__question-container{padding-bottom:0!important}.faq__title,h2.faq__title{font-size:3.8rem;line-height:4.2rem;text-align:left;margin:0 0 2.4rem;padding:0}.faq__link,a.faq__link{color:#1c1d20;display:inline-block;line-height:2.8rem;position:relative;padding:0;margin:1.8rem 3rem 1.8rem 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.general-award_banner{margin-top:12px}}.general-tile__head{color:#53565A;font-size:1.4rem;letter-spacing:0.3px;line-height:16px;text-align:left}@media (max-width:767px){.general-tile__head{padding-top:10px}}@media (min-width:768px){.general-tile__head-wrap{padding:0 0 0 24px;grid-column:2;width:100%}}.general-tile__img-wrap{height:auto;margin:0 auto;max-height:177px;width:100%;border:1px solid #CACBCB;text-align:center;vertical-align:middle}@media (min-width:768px){.general-tile__img-wrap{max-width:280px}}.general-tile__title{color:#000;display:block;font-size:2.2rem;font-weight:700;padding-top:10px;line-height:2.6rem;text-transform:none}.general-tile__offer-image{max-width:270px;max-height:170px;padding:10% 0}.nav-searchbar-wrap{background:#EDEEEE;height:86px;position:relative;width:100%}@media (min-width:992px){.nav-searchbar-wrap{z-index:110}}.nav-searchbar-wrap label{height:100%;position:absolute;top:35px;left:12px;font-weight:700;font-size:1.6rem;text-transform:uppercase}@media (min-width:992px){.nav-searchbar-wrap{background:transparent;height:100%;position:static;width:32px;transition:0.4s ease all}.nav-searchbar-wrap label{display:none}}@keyframes grow{0%{width:1px;visibility:hidden}100%{width:75%;visibility:visible}}.nav-searchbar{background:#EDEEEE;height:100%}@media (min-width:992px){.nav-searchbar{transition:all 0.3s ease-in-out;display:inline-block;position:absolute;right:0;top:0;z-index:11;visibility:hidden;width:0}}.nav-search{position:absolute;right:10px;top:50%;transform:translateY(-50%)}@media (min-width:992px){.nav-search{z-index:101}}.mi-search-bar{height:100%;position:relative;width:100%}.mi-search-bar .input{background:transparent;border:0;height:100%;line-height:100%;padding:12px;font-size:16px;width:100%;touch-action:manipulation}@media (min-width:992px){.mi-search-bar .input{display:none}}.mi-search-bar .input--active~label{top:0;transition:0.1s ease top}.mi-search-bar .input:focus{touch-action:manipulation}.searchbar--active .nav-searchbar{overflow:hidden;visibility:visible;width:75%}.searchbar--active .nav-searchbar input{padding:3.2rem 2.4rem}@media (min-width:992px){.searchbar--active .nav-searchbar input{display:inline-block;padding:0 2.4rem}}.searchbar--active .nav-searchbar label{display:inline-block;font-size:1.4rem;text-transform:uppercase;position:absolute;left:0;font-weight:600;padding-left:2.4rem}.items-search{display:flex;flex-direction:row;justify-content:space-between;align-items:center}@media (min-width:1200px){.items-search{flex-grow:5!important}.items-search ul .nav-item{margin:0}.items-search ul .nav-item a{padding:8px 15px}}@media (max-width:1199px){.items-search{flex-direction:column;justify-content:center}.items-search ul .nav-item{margin:0}.items-search ul .nav-item a{padding:8px 10px}}@media (max-width:991px){.items-search{flex-direction:column-reverse;justify-content:center}}@media (max-width:1199px){.items-search .search-bar-main{width:100%}}@media (max-width:991px){.items-search .search-bar-main{padding:40px 30px;width:200px}}@media (max-width:986px){.items-search .search-bar-main{padding:40px 30px;width:auto}}.article .title,.article .navbar-item,.search-item .title,.search-item .navbar-item{font-weight:bold;font-size:18px;text-decoration:underline}.article .description,.search-item .description{font-weight:normal;font-size:16px;text-decoration:none;margin-bottom:20px}.search-results-page-body .subtitle{color:#000;border-bottom:4px solid #008C5D;display:inline-block;margin:1.2rem 0}.search-results-page-body .title{text-decoration:none;margin-bottom:10px}.search-results-page-body .title .fake-link{border-bottom:2px solid #0B3D56;color:#000;line-height:2.6rem}.search-results-page-body .description{margin-bottom:15px}.search-results-page-body .article{border-bottom:2px solid #d9d9d9;margin-bottom:20px}.search-results-page-body .article:hover{border-color:#999}.search-results-page-body .article:hover .fake-link{border-bottom:2px solid 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(min-width:992px){.navigation-link-container{border:0;min-height:auto;opacity:1;position:inherit;transform:none;visibility:visible}}#sidenav{position:absolute;top:calc(var(--header-height) + 10px);left:8vw;width:184px;margin-top:4px;padding:unset}@media (min-width:2400px){#sidenav{left:25%;transform:translateX(-25%)}}@media (min-width:1900px) and (max-width:2400px){#sidenav{left:15%;transform:translateX(-15%)}}@media (max-width:1600px) and (min-width:1200px){#sidenav{height:auto;left:1.25%}}@media (max-width:1355px) and (min-width:1199px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:80%;padding-top:28px}}@media (max-width:1199px) and (min-width:992px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:63%;padding-top:28px}}@media (max-width:992px) and (min-width:768px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:78%;padding-top:28px}}@media 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data-src="https://m.foolcdn.com/media/affiliates/original_images/DanaGeorge_1pPCp8i.jpg?width=128&height=128" alt="Dana George" height="48" width="48"/> </div> </div> <div class="byline-container"> <div class="author-wrap author-hover"> <div class="author-wrapper author-wrapper-fact-checker author-bio-name"> <a class="mobile-link-disable author-link"> <span class="text-normal">Author:</span> Dana George</a> <div class="author-hover-bio bs br"> <div class="author-bio-content"> <div> <div class="author-bio-author"> <div class="author-bio-image"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/DanaGeorge_1pPCp8i.jpg?width=128&height=128" alt="Dana George" height="32" width="32"/> </div> <div class="d-block"> <div class="author-bio-name"><a href="/money/authors/profile/dana-george/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">Dana George</a> </div> <div class="author-bio-description">Writer</div> </div> </div> <div class="copy-md pt-3"> <p data-block-key="drl9j">Dana George has a BA in Management and Organization Development from Spring Arbor University. For more than 25 years, she has written and reported on business and finance, and she's still passionate about her work. Dana and her husband recently moved to Champaign, Illinois, home of the Fighting Illini. And though she finds the color orange unflattering on most people, she thinks they'll enjoy Champaign tremendously.</p> </div> <p class="pt-4"> <a href="/money/authors/profile/dana-george/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">See Full Bio</a> </p> <div class="authors__social"> <a href="https://www.linkedin.com/in/dana-george-85845240/" rel="nofollow"> <img class="social-icon" src="https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%401x.svg" srcset="https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%402x.svg 1x, https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%402x.svg 2x" alt="Linked In Icon"> </a> </div> </div> </div> </div> </div> </div> </div> <div class="secondary-author-toggle d-md-none fs-14"> <span class="px-2 lh-28">|</span> <a class="toggle-button" data-base_text="1 other ">1 other [ + ]</a> </div> </div> <div class="author-bio-author"> <div class="author-bio-image-container"> <div class="author-bio-image"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/Nathan-Alderman-Headshot_5BaJAVK.webp?width=128&height=128" alt="Nathan Alderman" height="48" width="48"/> </div> </div> <div class="byline-container"> <div class="author-wrap author-hover"> <div class="author-wrapper author-wrapper-fact-checker author-bio-name"> <a class="mobile-link-disable author-link"> <span class="text-normal">Fact Checked:</span> Nathan Alderman</a> <div class="author-hover-bio bs br"> <div class="author-bio-content"> <div> <div class="author-bio-author"> <div class="author-bio-image"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/Nathan-Alderman-Headshot_5BaJAVK.webp?width=128&height=128" alt="Nathan Alderman" height="32" width="32"/> </div> <div class="d-block"> <div class="author-bio-name"><a href="/money/authors/profile/nathan-alderman/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">Nathan Alderman</a> </div> <div class="author-bio-description">Fact checker</div> </div> </div> <div class="copy-md pt-3"> <p data-block-key="sepb5">Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.</p> </div> <p class="pt-4"> <a href="/money/authors/profile/nathan-alderman/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">See Full Bio</a> </p> <div class="authors__social"> <a href="https://www.linkedin.com/in/nathan-alderman-86b4b84/" rel="nofollow"> <img class="social-icon" src="https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%401x.svg" srcset="https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%402x.svg 1x, https://g.foolcdn.com/static/affiliates/project/images/icon_linkedin%402x.svg 2x" alt="Linked In Icon"> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <script> document.addEventListener('DOMContentLoaded', function () { const authorsContainer = document.querySelector('.authors-container'); const authorBioAuthors = authorsContainer.querySelectorAll('.author-bio-author'); const toggleButton = authorsContainer.querySelector('.toggle-button'); const toggleButtonContainer = authorsContainer.querySelector('.secondary-author-toggle'); function isMobile() { return window.innerWidth <= 768; } function isMultiLine(element) { const lineHeight = parseInt(window.getComputedStyle(element).lineHeight, 20); return element.offsetHeight > lineHeight; } function moveToggleButton() { if (authorBioAuthors.length > 1 && isMobile()) { const firstAuthor = authorBioAuthors[0]; if (isMultiLine(firstAuthor)) { const secondAuthor = authorBioAuthors[2]; firstAuthor.insertAdjacentElement('afterend', toggleButtonContainer); toggleButtonContainer.style.paddingLeft = '45px'; toggleButtonContainer.querySelector('span').style.display = 'none'; } } } // handler for mobile toggling of other authors toggleButton.addEventListener('click', function () { for (let i = 1; i < authorBioAuthors.length; i++) { if (authorBioAuthors[i].style.display === 'none' || authorBioAuthors[i].style.display === '') { authorBioAuthors[i].style.display = 'flex'; toggleButton.textContent = `${toggleButton.dataset.base_text} [ - ]`; } else { authorBioAuthors[i].style.display = 'none'; toggleButton.textContent = `${toggleButton.dataset.base_text} [ + ]`; } } }); // Show all authors on larger screens window.addEventListener('resize', function () { moveToggleButton(); if (window.innerWidth > 768) { for (let i = 1; i < authorBioAuthors.length; i++) { authorBioAuthors[i].style.display = 'flex'; } toggleButton.textContent = `${toggleButton.dataset.base_text} [ - ]`; } }); moveToggleButton(); }); </script> </div> </div> </div> </div> </div> </div> </div> <div class="container-fluid " role="main"> <!-- Main Container wrapping the whole page --> <!-- Page Content Section --> <div class="row pt-6"> <div class=" container " id="main-copy" tabindex="0"> <div class="row"> <div class="col-12 col-md-10 offset-md-1 col-lg-8 offset-lg-2 col-xl-10 offset-xl-1"> <section class="p-3 copy-sm affiliate-disc-copy disc-copy bg-0 b"> <span> Many or all of the products here are from our partners that compensate us. <a href="/money/our-advertisers/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">It’s how we make money.</a> But our <a href="/money/editorial-integrity/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">editorial integrity</a> ensures that our product ratings are not influenced by compensation. 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Check out our in-depth Upstart personal loans review for this lender's advantages, drawbacks, and to find out if you should apply.</p> </div> </div> <div class="block block-loans_offer_tile_list"> <div id="promoStickyButton" class="promo-sticky-button" data-states-not-available-in=""> <div class="promo-sticky-button-wrapper"> <div class="promo-sticky-img-wrapper"> <img class="promo-sticky-button-img lazy" data-src='https://m.foolcdn.com/media/affiliates/original_images/upstart-logo-2015-large_sXCvFLz.png' alt='Upstart'/> </div> <div class="mt-3"> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/upstart/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn-stky&lclksec=sticky&ord=1&ltxt=Check+Rates+button+for+Upstart." role="button" target="_blank" class="btn--apply-wrap btn--sm" data-offer_order="1" data-link_type="btn-stky" data-slug="upstart" data-click-section="sticky" aria-label="Check Rates button for Upstart."> <span class="btn btn--apply">Check Rates <span class="wag">for Upstart</span></span> </a> </div> </div> </div> </div> <section class="trigger_sticky_offer_list"> <div class="offer-tile pt-4 mb-5 row" id="base_offer_tile_list_upstart"> <div class="col-12"> <div class="offer-tile-wrap bs p-4 pb-0 with-award"> <div class="award-ribbon" style="top: -30px;"> <span> <img src="https://g.foolcdn.com/static/affiliates/awards/icons/awards_cap.svg" alt="Award Icon" width="26" height="12"/> 2025 Award Winner </span> </div> <div class="d-block d-md-flex flex--wrap f--spc-btwn"> <div> <h3 class="pb-2">Upstart</h3> <p class="head-h5 uppercase pb-3 text-secondary">Great for: Reducing high interest debt</p> </div> <div class="d-none d-md-block offer-tile-desktop-btn"> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/upstart/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=offer_tile&ord=1&ltxt=Check+Rates+button+for+Upstart." target="_blank" class="btn--apply-wrap " data-offer_order="1" data-link_type="btn" data-slug="upstart" data-click-section="offer_tile" aria-label="Check Rates button for Upstart."> <span class="btn btn--apply">Check Rates <span class="wag">for Upstart</span></span> </a> </div> </div> </div> <div class="row bb"> <div class="col-12 col-md-4"> <div class="img-wrapper b d-flex f--ctr"> <img class="lazy" data-src="https://m.foolcdn.com/media/affiliates/original_images/upstart-logo-2015-large_sXCvFLz.png?width=200" alt="Logo for Upstart" width="90%" height="auto"/> </div> <div class=""> <div class="star-rate mb-3"> <div class="star-rate__stars-wrapper"> <span aria-hidden="false" class="wag">Rating image, 4.0 out of 5 stars.</span> <span aria-hidden="true" class="star-rate__stars"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star-rate__stars-selected" style="width: 80.0%;"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> </span> </span> </div> <div class="star-rate__copy"> <span>4.0/5</span> <span class="star-rate__info tooltip-parent" aria-describedby="ttip-offer_comp4eb7d5-id--1-desc" tabindex="0"> <span class="info-wrap"><svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-1--offer_comp4eb7d5 icon-info-descrip-1-offer_comp4eb7d5" role="img"> <!-- Generator: Sketch 50.2 (55047) - 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Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.<br></span> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Best<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Excellent<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Good<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Fair<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Poor<br> <span class="tooltip-arrow"></span> </span> </span> </div> </div> </div> </div> <div class="col-12 d-block d-md-none offer-tile-mobile-btn"> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/upstart/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=offer_tile&ord=1&ltxt=Check+Rates+button+for+Upstart." target="_blank" class="btn--apply-wrap " data-offer_order="1" data-link_type="btn" data-slug="upstart" data-click-section="offer_tile" aria-label="Check Rates button for Upstart."> <span class="btn btn--apply">Check Rates <span class="wag">for Upstart</span></span> </a> </div> </div> <div class="col-12 col-md-8"> <div class="offer-tile-detail-block"> <div class="fs-12 bold uppercase"> Minimum Credit Score </div> <div class="fs-14"> None </div> </div> <div class="offer-tile-detail-block"> <div class="fs-12 bold uppercase"> Loan Amounts </div> <div class="fs-14"> $1,000 - $50,000 </div> </div> <div class="offer-tile-detail-block"> <div class="fs-12 bold uppercase"> APR Range </div> <div class="fs-14"> 7.80% - 35.99% </div> </div> <div class="offer-tile-detail-block"> <div class="fs-12 bold uppercase"> Term Length </div> <div class="fs-14"> 36 or 60 months </div> </div> </div> </div> <div class="faq__list-item accordion row bottom-line accordion--active accordion--active--mobile"> <button class="faq__question-container px-4 accordion__exp" aria-expanded="true" role="button" aria-label="Bottom Line for "> <span class="faq__link copy-md bold uppercase fs-14"> Bottom Line </span> <span class="faq__expand-icon"></span> </button> <div id="faq_1_bottom-line" class="faq__answer-container px-4 accordion__child"> <div class="copy-tight accordion__child"> <div class="wysiwyg"> <p data-block-key="fdle3">We think Upstart is a great option for debt consolidation and credit building. Even though Upstart has a high upper-range interest rate, well-qualified applicants can snag lower rates for a wide range of loan amounts. Upstart does charge a high origination fee and late fees, but there are no prepayment penalties, giving you extra flexibility to pay off your loan early.</p> </div> </div> </div> </div> <div class="faq__list-item accordion row proscons "> <button class="faq__question-container px-4 accordion__exp" aria-expanded="false" role="button" aria-label="Pros/Cons for "> <span class="faq__link copy-md bold uppercase fs-14"> Pros/Cons </span> <span class="faq__expand-icon"></span> </button> <div id="faq_1_proscons" class="faq__answer-container px-4 accordion__child"> <div class="pros-and-cons row"> <div class="pros col-6"> <div class="wysiwyg copy-tight offer-tile-pros"> <ul><li data-block-key="kh9gu">Accepts borrowers with low credit scores</li><li data-block-key="m227">Wide range of loan amounts</li><li data-block-key="6fq48">No prepayment penalty</li><li data-block-key="9aeqg">Payment grace period</li></ul> </div> </div> <div class="cons col-6"> <div class="wysiwyg copy-tight offer-tile-cons"> <ul><li data-block-key="jm983">High upper-range interest rate</li><li data-block-key="49t0k">High origination fees</li><li data-block-key="cdsol">No cosigner allowed</li></ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> <div class="block block-global_alts_to_consider"> <h2 id="loan_alts_to_consider">Compare the best personal loans</h2> <div class="copy-body pb-4"> <p data-block-key="g0bo1">Get the best rates and terms to fit your needs. Here are a few loans we'd like to highlight, including our award winners.</p> </div> <section class="blk__loans_sum_table"> <div class="summary-table__wrapper"> <table class="ta_table summary-table" style="margin-bottom: 0;"> <thead> <tr> <th>Lender</th> <th>APR Range</th> <th>Loan Amount</th> <th>Min. Credit Score</th> <th class="col--nextsteps">Next Steps</th> </tr> </thead> <tbody> <tr> <td> <div class="account--wrapper"> <a rel="sponsored nofollow" href="/money/personal-loans/sofi-personal-loans-review/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=img&lclksec=alts_to_consider&ord=1" target="_blank" data-offer_order="1" data-link_type="img" data-slug="sofi-personal-loans" data-action="unmonetized" data-click-section="alts_to_consider" aria-label=""> <div class="comp__logo-wrap"> <img src="https://m.foolcdn.com/media/affiliates/original_images/SoFi_horz_RGB_Turquoise_CircleR_Upward_ay48mcu.jpg" alt="Logo for SoFi Personal Loans" class="comp__logo"> </div> </a> <div class="d-xl-none"> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/sofi-personal-loans/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=alts_to_consider&ord=1&ltxt=Apply+Now+button+for+SoFi+Personal+Loans." target="_blank" class="btn--apply-wrap " data-offer_order="1" data-link_type="btn" data-slug="sofi-personal-loans" data-click-section="alts_to_consider" aria-label="Apply Now button for SoFi Personal Loans."> <span class="btn btn--apply">Apply Now <span class="wag">for SoFi Personal Loans</span></span> </a> </div> </div> <div class="d-inline-flex offer-stars"> <div class="star-rate card-tile"> <div class="star-rate__stars-wrapper"> <span aria-hidden="false" class="wag">Rating image, 5.0 out of 5 stars.</span> <span aria-hidden="true" class="star-rate__stars"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star-rate__stars-selected" style="width: 100.0%;"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> </span> </span> </div> <div class="star-rate__copy"> <span>5.0/5</span> <span class="star-rate__info tooltip-parent" aria-describedby="ttip-bank_compare01b063-id--1-desc" tabindex="0"> <span class="info-wrap"><svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-1--bank_compare01b063 icon-info-descrip-1-bank_compare01b063" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-1-bank_compare01b063">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span aria-hidden="false" class="wag" id="ttip--1-bank_compare01b063-desc"> Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. </span> <span id="ttip-bank_compare01b063-id--1-desc" class="tooltip" role="tooltip"> <span>We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.<br></span> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Best<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Excellent<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Good<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Fair<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Poor<br> <span class="tooltip-arrow"></span> </span> </span> </div> </div> </div> </div> </td> <td> <div class="fs-16">Fixed: 8.99%-29.99% APR (with all discounts)</div> </td> <td> <div class="fs-16">$5,000 - $100,000</div> </td> <td> <div class="fs-16">680</div> </td> <td class="col--nextsteps"> <div> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/sofi-personal-loans/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=alts_to_consider&ord=1&ltxt=Apply+Now+button+for+SoFi+Personal+Loans." target="_blank" class="btn--apply-wrap " data-offer_order="1" data-link_type="btn" data-slug="sofi-personal-loans" data-click-section="alts_to_consider" aria-label="Apply Now button for SoFi Personal Loans."> <span class="btn btn--apply">Apply Now <span class="wag">for SoFi Personal Loans</span></span> </a> </div> </div> </td> </tr> <tr> <td> <div class="account--wrapper"> <a rel="sponsored nofollow" href="/money/personal-loans/discover-personal-loan-review/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=img&lclksec=alts_to_consider&ord=2" target="_blank" data-offer_order="2" data-link_type="img" data-slug="discover-personal-loan" data-action="unmonetized" data-click-section="alts_to_consider" aria-label=""> <div class="comp__logo-wrap"> <img src="https://m.foolcdn.com/media/affiliates/original_images/Discover_personal_loans.jpg" alt="Logo for Discover Personal Loan" class="comp__logo"> </div> </a> <div class="d-xl-none"> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/discover-personal-loan/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=alts_to_consider&ord=2&ltxt=Apply+Now+button+for+Discover+Personal+Loan." target="_blank" class="btn--apply-wrap " data-offer_order="2" data-link_type="btn" data-slug="discover-personal-loan" data-click-section="alts_to_consider" aria-label="Apply Now button for Discover Personal Loan."> <span class="btn btn--apply">Apply Now <span class="wag">for Discover Personal Loan</span></span> </a> <p class="apply__disclaim copy-sm text-center mt-1 pt-0">Powered by Credible</p> </div> </div> <div class="d-inline-flex offer-stars"> <div class="star-rate card-tile"> <div class="star-rate__stars-wrapper"> <span aria-hidden="false" class="wag">Rating image, 5.0 out of 5 stars.</span> <span aria-hidden="true" class="star-rate__stars"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star-rate__stars-selected" style="width: 100.0%;"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> </span> </span> </div> <div class="star-rate__copy"> <span>5.0/5</span> <span class="star-rate__info tooltip-parent" aria-describedby="ttip-bank_compare2c7bd5-id--2-desc" tabindex="0"> <span class="info-wrap"><svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-2--bank_compare2c7bd5 icon-info-descrip-2-bank_compare2c7bd5" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-2-bank_compare2c7bd5">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span aria-hidden="false" class="wag" id="ttip--2-bank_compare2c7bd5-desc"> Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. </span> <span id="ttip-bank_compare2c7bd5-id--2-desc" class="tooltip" role="tooltip"> <span>We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.<br></span> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Best<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Excellent<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Good<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Fair<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Poor<br> <span class="tooltip-arrow"></span> </span> </span> </div> </div> </div> </div> </td> <td> <div class="fs-16">7.99% - 24.99%</div> </td> <td> <div class="fs-16">$2,500 - $40,000</div> </td> <td> <div class="fs-16">660</div> </td> <td class="col--nextsteps"> <div> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/discover-personal-loan/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=alts_to_consider&ord=2&ltxt=Apply+Now+button+for+Discover+Personal+Loan." target="_blank" class="btn--apply-wrap " data-offer_order="2" data-link_type="btn" data-slug="discover-personal-loan" data-click-section="alts_to_consider" aria-label="Apply Now button for Discover Personal Loan."> <span class="btn btn--apply">Apply Now <span class="wag">for Discover Personal Loan</span></span> </a> <p class="apply__disclaim copy-sm text-center mt-1 pt-0">Powered by Credible</p> </div> </div> </td> </tr> <tr> <td> <div class="account--wrapper"> <a rel="sponsored nofollow" href="/money/personal-loans/upstart-personal-loans-review/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=img&lclksec=alts_to_consider&ord=3" target="_blank" data-offer_order="3" data-link_type="img" data-slug="upstart" data-action="unmonetized" data-click-section="alts_to_consider" aria-label=""> <div class="comp__logo-wrap"> <img src="https://m.foolcdn.com/media/affiliates/original_images/upstart-logo-2015-large_sXCvFLz.png" alt="Logo for Upstart" class="comp__logo"> </div> </a> <div class="d-xl-none"> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/upstart/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=alts_to_consider&ord=3&ltxt=Apply+Now+button+for+Upstart." target="_blank" class="btn--apply-wrap " data-offer_order="3" data-link_type="btn" data-slug="upstart" data-click-section="alts_to_consider" aria-label="Apply Now button for Upstart."> <span class="btn btn--apply">Apply Now <span class="wag">for Upstart</span></span> </a> </div> </div> <div class="d-inline-flex offer-stars"> <div class="star-rate card-tile"> <div class="star-rate__stars-wrapper"> <span aria-hidden="false" class="wag">Rating image, 4.0 out of 5 stars.</span> <span aria-hidden="true" class="star-rate__stars"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star-rate__stars-selected" style="width: 80.0%;"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> </span> </span> </div> <div class="star-rate__copy"> <span>4.0/5</span> <span class="star-rate__info tooltip-parent" aria-describedby="ttip-bank_comparec3f8e7-id--3-desc" tabindex="0"> <span class="info-wrap"><svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-3--bank_comparec3f8e7 icon-info-descrip-3-bank_comparec3f8e7" role="img"> <!-- Generator: Sketch 50.2 (55047) - 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Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.<br></span> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Best<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Excellent<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Good<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Fair<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Poor<br> <span class="tooltip-arrow"></span> </span> </span> </div> </div> </div> </div> </td> <td> <div class="fs-16">7.80% - 35.99%</div> </td> <td> <div class="fs-16">$1,000 - $50,000</div> </td> <td> <div class="fs-16">None</div> </td> <td class="col--nextsteps"> <div> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/personal-loans/upstart/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=btn&lclksec=alts_to_consider&ord=3&ltxt=Apply+Now+button+for+Upstart." target="_blank" class="btn--apply-wrap " data-offer_order="3" data-link_type="btn" data-slug="upstart" data-click-section="alts_to_consider" aria-label="Apply Now button for Upstart."> <span class="btn btn--apply">Apply Now <span class="wag">for Upstart</span></span> </a> </div> </div> </td> </tr> </tbody> </table> </div> </section> </div> <div class="block block-heading"> <h2 id="full-upstart-personal-loans-review">Full Upstart personal loans review</h2> </div> <div class="block block-paragraph"> <div class="wysiwyg"> <p data-block-key="mwffq"><b>This personal loan is a good fit for:</b> Borrowers with low or no credit score looking for a small loan.</p> </div> </div> <div class="block block-paragraph"> <div class="wysiwyg"> <h3 id="top-perks" data-block-key="6ohio">Top perks</h3><p data-block-key="9beuh"><b>You can qualify with a low or no</b> <b>credit score:</b> You don't need good credit to apply. Borrowers can apply for a loan with a<a href="/money/personal-finance/complete-guide-to-your-fico-score/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt"> FICO® Score</a> of 300. Upstart also offers loans to people with no credit history -- it will take education and employment into account when underwriting your loan. But keep in mind that Upstart's<a href="/money/personal-loans/what-is-good-interest-rate-personal-loan/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt"> loan interest rates</a> will be higher if your credit score is low.</p><p data-block-key="9195n"><b>Wide range of loan options:</b> Upstart personal loans range from $1,000 to $50,000. As such, it offers some of the <a href="/money/personal-loans/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">best personal loans</a> for people looking to borrow smaller amounts of money.</p><p data-block-key="xog6m"><b>Next day funding:</b> According to Upstart, 99% of the time, you should get your money within one business day. That means if you need money to cover an emergency expense, funds will be in your account quickly.</p><p data-block-key="3k56x"><b>Repayment options:</b> You have a choice of a three-year or five-year <a href="/money/personal-loans/longer-repayment-terms-personal-loans-pros-cons/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">loan repayment term</a>. The five-year term will keep your monthly payments lower, but the three-year term will save you money in the long run.</p><p data-block-key="feayq"><b>No prepayment penalty:</b> If you want to pay Upstart personal loans off early, you can. Since Upstart loans have no <a href="/money/personal-loans/prepayment-penalty/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">prepayment penalty</a>, you can make additional payments to reduce the loan principal. This will save you money long term.</p><p data-block-key="fsmlg"><b>Check your rate without impacting your credit score</b>: Curious applicants can submit basic details and get a quoted loan rate without impacting their credit scores.</p><p data-block-key="fbghk"><b>Payment grace period</b>: If you don't make your loan payment by the due date, Upstart will send you a reminder. You won't be charged a late fee until your payment is 15 days late. That's in contrast to many lenders and credit card issuers who slap an automatic late fee on your account the day after you miss a payment. A grace period is a handy benefit, especially for borrowers who are working hard to get a handle on their finances. You want to get that payment in ASAP, though. On day 15 the late fee is 5% or $15 of your payment amount, whichever is greater.</p> </div> </div> <div class="block block-paragraph"> <div class="wysiwyg"> <h3 id="what-could-be-improved" data-block-key="vry9r">What could be improved</h3><p data-block-key="vx0vv"><b>High APRs:</b> Upstart's upper end of its <a href="/money/personal-finance/apr-vs-interest-rate/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">APR</a> range is higher than some competitors. If you can only qualify for the higher APR, be aware the highest rate offered is one of the higher interest rates you'll find. Depending on your credit card, it's unlikely to help if you're looking to consolidate credit card debt.</p><p data-block-key="cypyh"><b>Origination fees:</b> Upstart charges an origination fee of 0% to 10% on its personal loans. This one-off fee is one of the highest origination fees. (Note: It will be factored into the APR you are quoted.) It's a good idea to prequalify for several lenders before making a final decision to ensure you find the best loan for you -- fees, interest rate, and all.</p><p data-block-key="4ds7t"><b>Cosigners not allowed</b>: You will need to qualify on your own.</p> </div> </div> <div class="block block-heading"> <h2 id="how-does-upstart-work">How does Upstart work?</h2> </div> <div class="block block-paragraph"> <div class="wysiwyg"> <p data-block-key="8oh0g">Upstart is not a bank. It's an artificial intelligence lending platform started by former Google employees. It uses AI to make lending decisions, with the goal to approve more borrowers while helping lenders experience fewer losses.</p><p data-block-key="ell6j">To determine which borrowers are creditworthy, Upstart looks at many nontraditional variables that traditional lenders don't consider. For example, your education, the cost of living in your city, and even how you interact with your loan application. In contrast, traditional lenders are usually concerned with your FICO® Score, your debt-to-income ratio, and your assets. As a result, lending decisions are more accurate, it approves more applicants, and its borrowers default on their loans less often.</p><p data-block-key="a4con">Leaning on AI doesn't make it risky for consumers. Since its inception, Upstart has worked with state and federal regulators to make sure its algorithms don't create unintended bias that could further harm disadvantaged groups of people.</p><p data-block-key="38kg8">Does it work? Upstart's data says yes. For instance, it approves 30% more Black applicants compared with traditional big bank lending models, and offers Black borrowers interest rates that are on average 11% lower.</p> </div> </div> <div class="block block-heading"> <h2 id="how-to-qualify-for-an-upstart-personal-loan">How to qualify for an Upstart personal loan</h2> </div> <div class="block block-paragraph"> <div class="wysiwyg"> <p data-block-key="wnmnp">Here are the minimum qualification requirements to get a personal loan with Upstart:</p><ul><li data-block-key="f77gd">Upstart requires at least a 300 FICO® Score if you have a credit score at all. Anyone can apply, including people with no credit history.</li><li data-block-key="a6f7u">Make sure your<a href="/money/mortgages/debt-to-income-ratio-for-mortgage/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt"> debt-to-income (DTI) ratio</a> is reasonable. In Connecticut, Maryland, New York, and Vermont, your DTI needs to be 45% or lower. In all other states, Upstart allows a DTI up to 50%.</li><li data-block-key="8je7h">Your credit report should not show bankruptcy or adverse public records within the past year.</li><li data-block-key="6bhpm">You may not have any delinquent accounts on your credit report.</li><li data-block-key="bm6vi">You can't have more than six credit inquiries on your credit report in the last six months. A credit inquiry is an application for credit, like a credit card, loan,<a href="/money/mortgages/home-equity-loan-vs-heloc/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt"> HELOC</a>, or similar. Having several in a short space of time could show you're in over your head.</li></ul><h3 id="application-process" data-block-key="enizj">Application process</h3><p data-block-key="tl6im">Upstart makes <a href="/money/personal-loans/how-to-apply-personal-loan/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt">applying for a personal loan</a> easy. Here's how it works:</p><ul><li data-block-key="5hn3q">Apply online. (Residents of West Virginia and Iowa are not eligible to apply.) Upstart loans conducts a soft credit check that will not impact your credit score.</li><li data-block-key="gd3w7">Once you've submitted your basic info, Upstart uses factors like your credit score, debt, income, education, and work experience to determine your rate. The loan term could also affect your rate and the total amount you pay.</li><li data-block-key="7u4yr">If you're satisfied with the terms, you can submit a full application. You can apply online, and you'll need to provide Upstart with basic information, including your Social Security number and some details about your academic background, career, and other creditors. Upstart then makes a hard inquiry to verify the accuracy of your financial information. This generally lowers your credit score by a very small amount.</li><li data-block-key="h2itg">Unless Upstart asks you to submit additional documents, you can expect a decision right away. Once the loan is approved, you may obtain your personal loan funds within one business day.</li></ul> </div> </div> <div class="block block-heading"> <h2 id="this-upstart-personal-loan-is-right-for-you-if">This Upstart personal loan is right for you if:</h2> </div> <div class="block block-paragraph"> <div class="wysiwyg"> <p data-block-key="mdi52">Upstart is one of the top lenders for a reason, as it offers quite a few benefits. In particular, Upstart personal loans are worth a look if:</p><ul><li data-block-key="4r6lb">You have a low credit score or limited to no credit history.</li><li data-block-key="a5q6f">You want to borrow a lower amount of money.</li><li data-block-key="5t2r9">You need a loan as soon as possible -- Upstart normally funds loans within one business day.</li></ul> </div> </div> </div> <!-- End of Page Promobox --> <div class="art__pitch wysiwyg copy-body" data-pitch-placement="mfm_promobox" data-nosnippet></div> <!-- Social Share Bottom section --> <div class="row"> <div class="block pb-3"> <div class="bt pt-3"></div> <div class="soc-share pb-3"> <span class="head-h6 uppercase">Share This Page <div class="soc-share"> <div class="soc-icon facebook-this"> <a class="soc__link soc-fb" rel="noopener" aria-label="Share article on facebook." 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Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of <a href="https://www.fool.com/about/the-motley-fools-publishing-standards/">publishing standards</a> and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.</span> <span class="disc--edit"> </span> </p> <div class="disc__txt--sec copy-sm pt-3"> Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. <a href="https://www.fool.com/author/20172/">Dana George</a> has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet, Goldman Sachs Group, and Upstart. 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Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of <a href="https://www.fool.com/about/the-motley-fools-publishing-standards/">publishing standards</a> and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.</span> <span class="disc--edit"> </span> </p> <div class="disc__txt--sec copy-sm pt-3"> Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. <a href="https://www.fool.com/author/20172/">Dana George</a> has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet, Goldman Sachs Group, and Upstart. The Motley Fool has a <a href="https://www.fool.com/legal/fool-disclosure-policy/">disclosure policy</a>. </div> <div class="disc__txt--sec copy-sm pt-3"> <p data-block-key="ms0ot"><b>*SoFi Personal Loan Disclaimer</b></p><p data-block-key="3q42b">Fixed rates from 8.99% APR to 29.99% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount.</p><p data-block-key="ab1ah">SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 3/06/24 and are subject to change without notice.Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual ratewill be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.</p><p data-block-key="4dfi6">Loan amounts range from $5,000–$100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.<br/><br/><br/>Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. <b>Autopay is not required to receive a loan from SoFi.</b></p><p data-block-key="1ktpp"><br/>Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. <b>You are not required to enroll in direct deposits to receive a Loan.<br/><br/></b>Impact to credit score: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.<br/></p> </div> <div class="disc__txt--sec copy-sm pt-3"> <p data-block-key="ivtmf"><b>*Upstart Loan Disclaimer</b></p><p data-block-key="1cvb4">The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 21.97% and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $12,646 including a $626 origination fee. APR is calculated based on 3-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> <!-- Footer section --> <!-- Footer section --> <div class="row"> <div class="container-fluid"> <div class="foot row" role="contentinfo"> <div class="foot-wrap col-12"> <div class="width-limiter"> <div class="ft-col pb-5 col-lg-3"> <a aria-label="Link to home page" class="navigation-logo-footer" href="https://www.fool.com/money/?luri=%2Fpersonal-loans%2Fupstart-personal-loans-review%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=8a42ff9e-2db4-443f-8182-039bfbbc2a9d&ltyp=txt&ltxt=Link+to+home+page"> <svg width="699" height="88" viewBox="0 0 699 88" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M331.693 87.2685L336.866 75.4537L323.391 42.6914H333.29L341.847 64.1497L350.533 42.6914H360.432L341.464 87.2685H331.693Z" fill="white"/> <path d="M292.365 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