Upstart Personal Loans Review 2026: AI-Powered Lending for Fair Credit Borrowers

Convenient and speedy process

Simple and fast

Super fast process and got an excellent APR rate. This is gonna help me save tons of money by using it to knock out my high interest credit cards.

Really simple to complete. Particularly helpful when you're in a bind. Thanks Upstart

Second time borrowing and it's still quick and simple! Got approved right away 😀

Simple, quick, zero issues. Would definitely recommend

Quick process, no hiccups at all

Honestly, Upstart is the absolute best, I was in a really tough spot, and Upstart came through for me! They deserve five stars and then some! Everything was straightforward and quick! Thanks for helping me out!

Delivered quickly and super fast turnaround!

Love that I was able to see my pre-approval without any impact to my credit score.

Upstart came through for me when I needed an emergency loan to cover some tax debt and stop a foreclosure from happening. The whole process was efficient and didn't take long at all. I'd definitely suggest them to anyone whose credit isn't perfect and needs help in a bind.

Their rates beat what most other companies give you and managing payments is straightforward.

Everything moved quickly and was simple

The whole thing was quick and simple. would for sure recommend them if you need a loan.

Processing was really fast

Quick and Simple to go through each Step

Absolute best lender out there, treat them right and they'll do the same for you. You rescued my Christmas and kept my lights on!!! Much appreciated 🙏!!! Seriously, thank you... Roland R Williams 🙏😎😎😎😎

I was looking for a dependable and fast loan for something major I needed to buy. They were detailed and approved me quickly, plus everything was explained in clear terms so I understood the conditions and what's coming.

How fast it was How simple the form was to complete.

Quick and effective!

Everything went really smoothly with my Loan Application.

Really easy to compare different terms and options, plus the loan wrapped up fast. I really liked being able to look over the terms before committing.

This is my third personal loan approval with Upstart. The application is so simple every time. I've reached out to customer support a handful of times and they've consistently been super friendly and helpful. I've borrowed from other companies like OneMain and BestEgg before, but OneMain constantly pestered me and forced me to put up collateral. BestEgg was decent but I keep returning to Upstart because they've treated me so well. Hopefully I won't need another loan anytime soon but if I do down the road, I know Upstart will be there for me.

Upstart was fast and efficient to work with. Everything about the application was clearly explained. The rate and term were competitive. My entire experience with them deserves an A across the board

Fast and efficient!

I've borrowed three times now and paid off two already. The whole experience has been excellent — everything is user-friendly, simple to use, and tracking your payments and what's left is really easy. They respond quickly and are dependable, plus I've found them completely trustworthy. When you get approved, money hits your account fast, and their rates are among the best you'll find.

Quick and simple loan process. The rate from other lenders was higher.

Really appreciate all your help

Been using upstart for quite some time now. I'd recommend them to anybody.

Really straightforward and simple process. Super easy to understand.

Application was a breeze and the customer service team was really friendly.

Super professional service, quick and straightforward. Would definitely recommend to anyone. Really great experience overall.

Really straightforward to deal with

Everything moves quickly and it's simple.

Used their services a few times now. Fast, efficient and really helpful people. Would definitely recommend giving them a try. Thanks so much!

Getting assistance right when you need it most from people who genuinely care. Thanks a ton for the help.

Quick process

My credit dropped 21 points just from searching for a personal loan, and on top of that they replaced the other offers I had with their own garbage offers that are lower but with super high interest and there's no easy way to unsubscribe. Don't use them if you've already got a decent offer because they'll tank your score and give you trash instead

Everything was quick and straightforward. Contract included all the necessary details. The online application was really user friendly. Overall, the best application process I've experienced.

This was incredibly easy and completely painless. I've spoken with several lenders and it always felt invasive with no guarantee.

The application and approval went smoothly and was super straightforward.

The customer service team is really nice. I'm on my third loan now, never been late on a payment, and they're always available when I need help.

it was quick and simple, this whole thing usually causes stress but upstart made it painless and the competitive rate made me feel way better about it.

Simplest loan process I've ever experienced. They genuinely help people who might struggle getting approved through other major lenders. The money gets deposited really quickly.

Quickest and simplest loan approval I've ever received. Thanks so much Upstart. You guys set the standard for how loan applications should work. ⭐️⭐️⭐️⭐️⭐️

Really smooth process. Excellent experience especially given the circumstances people are dealing with when going through this kind of thing.

They help people out and the loan is easy to access

Simple, comprehensive, easy to navigate.

Fast and simple application. Only takes like 10-15 minutes to get an answer! Really easy. Download the app it's helpful.

For the assistance and the trust in me personally.

I'm not great with computers, but the prompts and dropdown menus were easy enough to navigate, and I got a fast response when I reached out with my question. The Representative I spoke with was friendly and really knew their stuff when answering what I needed. I finished everything up with all the info I was after and my loan got approved immediately.

Everything moved quickly and was transparent, plus we got the best rates for our situation. How they laid out the options really helped us figure out which repayment plan made the most sense for our family, along with understanding the exact terms we were signing up for.

Applying and getting approved was incredibly simple. Quick and straightforward.

Got a really fast response and the offer was super fair! This loan is going to help me build the future I've been dreaming about!

getting my loan was quick and simple.

Lots of choices for monthly payment plans and their rates are lower compared to other lenders I looked into

Fast and simple every time, right when you need it

Really straightforward process with choices for various loans and terms that are easy to grasp. I figured this would be a long drawn-out marathon until approval came through. Turned out to be a quick sprint to getting funded. Go with Upstart! You won't regret it.

Quick and simple

When things go south and you need cash fast, this really does the job.

This isn't my first time using Upstart. Sure, the interest rate stings a bit, but having access to the extra money I needed gives me real peace of mind.

Got approved fast and the whole process was straightforward. Their rates beat the market average. Really happy with everything overall.

How simple it was to apply for a loan.

Had a great experience since the application was incredibly simple to complete.

Never set up an account so quickly and effortlessly in my life.

when everybody else turned me down, upstart was the only one that said yes, super simple and quick, and everything's transparent with no hidden costs. thanks upstart for the opportunity to start fresh by consolidating my debt into 1 loan payment.

Really straightforward process and you get approved fast

How incredibly "easy to use" Trustpilot is.

Everything moved quickly and smoothly. Being able to link my bank account and get automatic payments configured worked perfectly.

Fast and simple process!

Super quick and straightforward process. The rates were excellent too. Definitely recommend.

Everything was really straightforward, honest and simple. I felt completely safe sharing my personal details.

Fast, simple. Zero hassle. Would definitely recommend.

Second time getting a loan through upstart. The whole process is clear and simple

Really smooth process that was simple to navigate and comprehend.

simple process

Getting the loan was super easy. The rate was fair and so was the payment amount

So easy, just like when I borrowed $15,000 back in 2013. Incredible, that time it was the company's life insurance Now, 1,000. Thank you!

It's allowed me to consolidate credit cards into a single payment. Simple application process.

Excellent company

With my credit being pretty rough, I figured getting approved would be tough, but they really worked with me to find a solution that benefited both sides!

Super fast and simple

Great experience quick and simple support team and got my financing approved

They came through for me right when I needed help the most!

Quick and simple! THANKS SO MUCH

I've gone through Upstart multiple times for personal loans, no early payoff penalties. Quick and simple.

Honestly thought I'd get rejected but was really happy to get approved so fast. Appreciate it!

Second loan with them. Even smoother this time around.

They got me approved for a loan despite my credit being less than perfect. Would absolutely use them again. Thanks

Had a really great experience

appreciate the assistance. straightforward and simple

Simple to follow and made sense.

Super simple platform. Enter your loan amount and you get back several different offers. Straightforward as it gets.

Everything was quick and straightforward. Even did it all from my phone!

They do great work and they quick

Upstart makes everything hassle-free. Super efficient and really great to work with. Their customer service is amazing too. Definitely 5 stars.😊😊

Excellent support team, and approval came through fast

This was a lifesaver. Needed emergency help and that's precisely what Upstart gave me. Would definitely recommend

Got approved for a personal loan and also refinanced my car through Upstart. Quick and straightforward process. Definitely recommend!

Simple and seamless from start to finish, team members were courteous and took their time during email exchanges and phone calls. !! top notch in the industry !! great job team !!

How simple the application was

Awesome 😎 Really great 👍

Using Upstart (Kemba) was an incredible experience. Quick turnaround with an easy process, no fees whatsoever and an excellent interest rate. I'm blown away!

Super simple, WAY lower rate!

Upstart has been there for all my money situations particularly during hard times, incredibly dependable and honest. The team is helpful and really knows their stuff

Outstanding - quick and no hassle

Simple to navigate and reasonable payments

Consistently the top place for getting loans.

Incredible! Past loan problems had really damaged my credit. Lately I've been working on repairing my credit and figured with scores of 540, 612, and 580 across the three major bureaus I wouldn't qualify for another loan anytime soon. Got approved for 1000! Plus 43 dollars monthly is affordable for repayment. It's absolutely manageable and I'm beyond thrilled.

With holidays coming up, I needed some extra money for presents, they were fantastic at assisting me and getting funds to me quickly. Would absolutely use them again

Seriously the worst company ever. Everything they do is made unnecessarily complicated. Their customer service doesn't help at all. Would give 0 stars if possible.

Best loan experience I've ever had!!

From my experience, the customer support at Upstart is not just responsive but also genuinely caring. 10/10

nothing I can think of at this time.

I spent a long time exploring a few various options to secure the most favorable interest rate for my situation and a manageable monthly payment. Upstart came through with competitive rates and flexible terms that worked perfectly for my budget.

Unfortunatly they are not available in all states.

Upstart has given me great options and good information. Great APRs and loan types that will match with my personal needs. I am impressed with their transparency and how easy the application process was.

I would highly recommend Upstart

Reasonable costs and excellent customer service. I can highly recommend Upstart for anyone looking to get a personal loan.

Upstart has proven to be a breath of fresh air, redefining the borrowing experience with innovation, transparency, and genuine concern for me and my finances.

Great service, would highly recommend