Upstart Personal Loans works with banks to match borrowers with loan offers to get the best deal possible. In order to pre-qualify on upstart’s website, you’ll need to provide credit, income, and other personal information such as education, work experience and credit history. When you have previewed loan offers and chosen one that is right for you, Upstart will require proof of income in order to submit an application which may include a W2, work contracts, tax returns or other documents.

To qualify must have a minimum credit score of 300, live anywhere in the United States except for West Virginia or Iowa and be at least 18-19 years old depending on their state. On top of that, Upstart ensures the security of its loan process by requiring a valid email address, verifiable name, Social Security number, and U.S. bank account as well as a regular source of income.

Upstart personal loans is a reliable lender offering accredited services with an A+ rating from the Better Business Bureau. Upstart has the highest rating of 4.9 out of 5 stars on Trustpilot, based on nearly 40,000 reviews. The Consumer Financial Protection Bureau recorded 64 complaints in 2021 regarding Upstart’s personal loans and was successful in responding to all but one timely.