Upstart
San Mateo, CA Founded 2012· AI Personal Loans
Uses AI underwriting to approve borrowers traditional models reject. APRs are competitive in the prime/near-prime range. Origination fees apply.
Recommendation
Safe to Consider
Trust
78
Predatory Risk
78
Lower is safer
Sentiment
71
Complaints
72
Lower is better
Fee Transparency
82
APR Range
7.8% – 35.99%
Loan amounts
$1,000 – $50,000
Term
36–60 months
Red flags
- Origination fee up to 12%
- Limited customer support hours
Positive signals
- Transparent APR disclosure
- Pre-qualification with soft credit pull
- No prepayment penalty
- Reports to credit bureaus
AI Summary
Based on 9,214 reviews and 320 complaints, Upstart demonstrates above-average transparency. Borrower complaints are primarily about "Origination Fee". We recommend you safe to consider.
What borrowers say
Dana K.2025-05-21
★★★★★
"Approved despite thin credit. APR was reasonable and process was clear."
Will P.2025-04-02
★★★☆☆
"Origination fee was higher than expected. Otherwise fine."
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