Upstart Personal Loans review: is it worth it?

Keep reading and find out if this lender is the right option for your financial troubles. Get the money you need in 1 business day!


by Sabrina Paes

Published on 02/12/2023

Upstart Personal Loans review and benefits: Borrow up to $50,000

Upstart Personal Loans logo
Upstart Personal Loans review. Source: Stealth Capitalist

Read the Upstart Personal Loans review and find out what this lender is about! This lender will provide the money your need quickly!

Upstart Personal Loans logo

Upstart Personal Loans: how to apply now!

Find out how to apply for Upstart Personal Loans and access the money you need! Borrow up to $50K with quick funding.

You will remain in the same website

However, to help you decide if it’s the right choice, we’ve taken an in-depth look at what Upstart Personal Loans offers and how it works. So keep reading to find out more!

APR6.5% – 35.99%;
Loan PurposeConsolidating credit card and other debts, Paying for moving expenses, Funding home improvements, Covering medical costs, Financing a wedding, and Starting or expanding a business;
Loan Amounts$1,000 – $50,000;
Credit NeededAll types of credit scores are accepted;
Origination FeeUp to 8%;
Late Fee5% of the unpaid amount or $15, whichever is greater;
Early Payoff PenaltyN/A.

Upstart Personal Loans: how does it work?

Upstart Personal Loans has the solutions for your financial needs. Thus, it provides personal loans for several purposes, including debt consolidation and home improvements.

With this lender, you can borrow up to $50,000 to put your financial life on track.

Also, you can count on 3 or 5-year terms over fixed rates and pay no prepayment fees.

In addition, borrowers can also have a financial education service. Furthermore, the requested amount is released from a few days to use.

Is it worth it to apply for Upstart Personal Loans?

Handsome black guy holding fan of dollars celebrating success
Decide if it’s worth it to apply for Upstart Personal Loans. Source: Adobe Stock

The Upstart Personal Loans are excellent for covering your emergency costs.

After all, you don’t need a good credit score to apply, and you can get up to $50,000 released.

However, you also have some disadvantages with this type of loan. In that sense, you can afford high APR and don’t rely on co-signers.

Moreover, check out the main positives and negatives!


  • Financing is released quickly, within up to 1 business day;
  • Allows borrowers with all types of credit scores;
  • You can change the payment date according to your needs;
  • There is the possibility of quick and easy pre-qualification without significantly changing the credit score;
  • Financial education service included.


  • It has some associated origination and late payment fees;
  • Does not allow co-signers or joint signatures;
  • No mobile app to monitor payments;
  • The term for repayment only has two options available.

What credit scores are required for the application?

Upstart Personal Loans has no minimum credit score requirements. Therefore, all scores are accepted, and you can conquer the maximum values allowed.

However, the lower your credit score, the higher the associated APR. Therefore, you may have lower rates if you have a good or excellent credit score.

Upstart Personal Loans: applying for this loan today

The Upstart Personal Loans can get you up to $50,000 for flexible payment. Also, approval is quick if you know how to apply.

Then check out a complete guide on how to apply and start your process!

Upstart Personal Loans logo

Upstart Personal Loans: how to apply now!

Find out how to apply for Upstart Personal Loans and access the money you need! Borrow up to $50K with quick funding.

You will remain in the same website

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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