By: Upstart Network, Inc.

Upstart is an online lending platform that finances people based on signals of their potential including work history, academic performance, the area of study, etc. The platform offers lower interest rates, no prepayment penalty, quick and easy, and secure process. It provides 3-year fixed interest loans. Funds can be used for almost anything, including paying for a coding boot camp, starting a business, eliminating student debt, or even paying off credit cards and medical bills.

From: USA Web Visibility: 56.5%
Based on 2 Votes
Top UpStart Alternatives
  • Credible
  • Lending Club
  • SoFi
  • Avant
  • Mintos
  • Driva
  • Earnest
  • Zopa
  • Funding Circle
  • OnDeck
  • Fundbox
  • Iwoca
  • Fundation
  • SpringLeaf
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Top UpStart Alternatives and Overview



Credible is the multi-place market lender that allows borrowers to receive competitive loan offers from its vetted partners.

By: Credible Labs Inc. From USA
Based on 14 Votes


Prosper is a marketplace that provides person-to-person lending utilizing a listing and bidding process to get competitive rates for loans.

By: Prosper Funding LLC From USA
Based on 1 Vote

Lending Club

Lending Club is the online credit marketplace, facilitating business loans, personal loans, and financing for elective medical procedures.

By: LendingClub Corporation From USA


Sofi is a modern finance company that offers low rates for student loan refinancing, mortgages, and personal loans.

By: Social Finance, Inc. From USA
Based on 1 Vote


Avant is a platform that offers access to personal loans at competitive interest rates with a quick and transparent process that is entirely online.

By: Avant, Inc. From USA


Mintos is a peer-to-peer lending marketplace that connects investors with borrowers of various loan originators.

By: Mintos Marketplace, AS From Latvia


Driva provides you with the loan matching system that allows you to choose the right...

By: Driva From Australia


In order to give credit, they evaluate a person’s full education, employment, and financial...

By: Earnest Operations LLC From USA


They offer borrowers competitive low rate loans by matching them to our lenders who get...

By: Zopa Limited From UK

Funding Circle

It aims to help businesses struggling to access mainstream sources of finance while providing individual...

By: Funding Circle Limited From USA


The platform uses data aggregation and electronic payment technology to analyze the financial health of...

By: On Deck Capital, Inc. From USA
Based on 1 Vote


For example, if you have outstanding invoices, it will advance 100% of your payment...

By: Fundbox ltd From USA
Based on 3 Votes


That includes restaurants, hotels, retailers, service providers, and mor1e...

By: iwoca Ltd From UK


Their technology streamlines the small business loan application process by collecting third party data...

By: Fundation Group LLC From USA


It offers secured and unsecured personal loans...

By: Springleaf Finance, Inc. From USA

UpStart Review and Overview

Upstart is an online finance company that provides different types of loans such as personal loans, wedding loans, moving loans and other services such as credit card consolidation and debt consolidation. Money is important for both business growth as well as an individual’s growth in life.

However, availing credit isn’t an easy task and availing prime credit is even more difficult. According to a study 83%, Americans have never defaulted loan payment and yet only 45% of them have access to prime credit. There definitely are gaps in the lending model which Upstart is trying to fill using its AI-based lending platform.

The process of availing loans

The process of availing loans is also fairly simple and intuitive. It consists of three steps. The users are asked to answer a few questions related to their education and employment. Based on the responses the application is approved and then the users are briefed about the terms of the loan.

At this step, they also have the option to review their application once again. Once they approve it, the platform further asks them to set up automated monthly payments. One of the major advantages of availing loans from upstart is that they don’t charge fees for the prepayment of loans.

Benefits of using Upstart

Upstart offers loans at much lower interest rates compared to credit card lending rates, provides fast and easy processing and offers all this in a highly secure environment. In addition to lending services for personal use, Upstart also provides credit card consolidation loans to help people get out of debt faster. Once they avail the loan they can use that money to pay off the credit card debt and keep repaying the consolidation loan which is offered at a much lower interest rate.

Additional services

In addition to the services offered Upstart also offers some tools like the rate calculator where users can check their credit rate without it affecting their credit score. Overall, Upstart makes for a great tool in helping users avail the credit they truly deserve and empower them to chase their dreams and aspirations.

Company Information

Company Name: Upstart Network, Inc.

Company Address: P.O. Box 1503, San Carlos, California, USA

Founded in: 2012