{"id":79200,"date":"2024-07-28T06:34:42","date_gmt":"2024-07-28T13:34:42","guid":{"rendered":"https:\/\/financer.com\/?p=79200"},"modified":"2024-11-20T21:21:40","modified_gmt":"2024-11-21T05:21:40","slug":"sofi-vs-upstart","status":"publish","type":"post","link":"https:\/\/financer.com\/loans\/articles\/sofi-vs-upstart\/","title":{"rendered":"SoFi vs. Upstart: Which One Is Best?"},"content":{"rendered":"\n<p>Upstart and SoFi offer similar services with slight differences. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Choosing Between Upstart and SoFi &#8211; Quick Answer<\/h3><p><!-- wp:heading {\"level\":3} --><\/p>\n<h4 class=\"wp-block-heading\">Choose <a href=\"https:\/\/financer.com\/company\/upstart\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Upstart<\/a> if:<\/h4>\n<ul>\n<li>You&#8217;re looking for a small loan<\/li>\n<li>You have a lower credit score or limited credit history<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You&#8217;re willing to potentially pay higher fees for accessibility<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- \/wp:list --> <!-- wp:heading {\"level\":3} --><\/p>\n<h4 class=\"wp-block-heading\">Choose <a href=\"https:\/\/financer.com\/company\/sofi\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">SoFi<\/a> if:<\/h4>\n<p><!-- wp:list --><\/p>\n<ul><!-- wp:list-item -->\n<li>You need a large loan<\/li>\n<li>You have <a href=\"https:\/\/financer.com\/personal-finance\/articles\/what-is-a-good-credit-score\/\">good to excellent credit<\/a><\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>You prefer a fee-free structure with lower rates<\/li>\n<!-- \/wp:list-item --><\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- \/wp:list --><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"SoFi_vs_Upstart_Quick_Comparison\">SoFi vs Upstart: Quick Comparison<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Upstart<\/th><th>SoFi<\/th><\/tr><\/thead><tbody><tr><td><strong>Loan type<\/strong><\/td><td>Personal loans<\/td><td>Personal loans, mortgage loans, auto loan refinancing<\/td><\/tr><tr><td><strong>Loan amount<\/strong><\/td><td>$1,000 \u2013 $50,000<\/td><td>$5,000 &#8211; $100,000<\/td><\/tr><tr><td><strong>Repayment term<\/strong><\/td><td>36 &#8211; 60 months<\/td><td>24 &#8211; 84 months\u00a0<\/td><\/tr><tr><td><strong>Interest rate<\/strong><\/td><td>7.8% &#8211; 35.99%<\/td><td>8.99% \u2013 25.81%\u00a0<\/td><\/tr><tr><td><strong>Minimum credit score<\/strong><\/td><td>300<\/td><td>680<\/td><\/tr><tr><td><strong>Monthly fees<\/strong><\/td><td>None<\/td><td>None<\/td><\/tr><tr><td><strong>Origination fee<\/strong><\/td><td>0% &#8211; 8% (one-time)<\/td><td>None<\/td><\/tr><tr><td><strong>Payout time<\/strong><\/td><td>1 business day<\/td><td>Same-day funding<\/td><\/tr><tr><td><strong>Weekend payout<\/strong><\/td><td>No<\/td><td>No<\/td><\/tr><tr><td><strong>Loan requirements<\/strong><\/td><td>At least 18 years oldU.S. citizenActive bank account regular income<\/td><td>At least 18 years oldU.S. citizen, permanent resident, or visa holderLive in an eligible stateGood credit<\/td><\/tr><tr><td><\/td><td><a href=\"https:\/\/financer.com\/company\/upstart\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Apply for Upstart loan now<\/a><\/td><td><a href=\"https:\/\/financer.com\/company\/sofi\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">Apply for SoFi loan now<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"SoFi_vs_Upstart_Personal_Loans\">SoFi vs Upstart Personal Loans<\/h2>\n\n\n\n<p>We compare:<\/p>\n\n\n\n<ul>\n<li>Amounts and repayment terms<\/li>\n\n\n\n<li>Rates and fees<\/li>\n\n\n\n<li>Loan costs<\/li>\n\n\n\n<li>Loan requirements<\/li>\n\n\n\n<li>Mobile app and online experience<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Amounts_and_Repayment_Terms\">Amounts and Repayment Terms<\/h3>\n\n\n\n<p>Upstart offers loans from $1,000 to $50,000, perfect for a wide range of financial needs from minor emergencies to significant <a href=\"https:\/\/financer.com\/loans\/home-equity-line-of-credit\/\">home renovations<\/a>.<\/p>\n\n\n\n<p>SoFi takes it a step further, offering loans from $5,000 to a whopping $100,000. This higher ceiling makes SoFi an excellent choice for those with substantial financing needs.<\/p>\n\n\n\n<p>When it comes to repayment flexibility, SoFi edges out with terms ranging from 24 to 84 months, compared to Upstart&#8217;s 36 to 60 months.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Rates_and_Fees\">Rates and Fees<\/h3>\n\n\n\n<p>Interest rates can make or break a loan deal. Here&#8217;s how they stack up:<\/p>\n\n\n\n<ul>\n<li><strong>Upstart: <\/strong>APR ranges from 7.8% to 35.99%<\/li>\n\n\n\n<li><strong>SoFi: <\/strong>APR ranges from 8.99% to 25.81%<\/li>\n<\/ul>\n\n\n\n<p>While Upstart&#8217;s minimum rate is slightly lower, SoFi&#8217;s maximum rate is significantly more favorable. Plus, SoFi offers a 0.25% APR reduction for AutoPay users.<\/p>\n\n\n\n<p>The fee structure is where SoFi really shines:<\/p>\n\n\n\n<ul>\n<li><strong>SoFi: <\/strong>No origination, prepayment, or application fees<\/li>\n\n\n\n<li><strong>Upstart: <\/strong>May charge an <a href=\"https:\/\/financer.com\/loans\/glossary\/origination-fee\/\">origination fee<\/a> between 0% and 8%<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Loan_Cost_Comparison\">Loan Cost Comparison<\/h3>\n\n\n\n<p>To illustrate the impact of fees, let&#8217;s compare the total cost of loans with identical APRs:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th>Loan Amount<\/th><th>Loan Term<\/th><th>APR<\/th><th>Total Cost with Upstart (8% origination fee)<\/th><th>Total Cost with SoFi (no fees)<\/th><th>Savings with SoFi<\/th><\/tr><\/thead><tbody><tr><td>$5,000<\/td><td>60 months<\/td><td>10.99%<\/td><td>$6,920.81<\/td><td>$6,520.81<\/td><td>$400.00<\/td><\/tr><tr><td>$10,000<\/td><td>60 months<\/td><td>10.99%<\/td><td>$13,841.78<\/td><td>$13,041.78<\/td><td>$800.00<\/td><\/tr><tr><td>$15,000<\/td><td>60 months<\/td><td>10.99%<\/td><td>$20,762.63<\/td><td>$19,562.63<\/td><td>$1,200.00<\/td><\/tr><tr><td>$30,000<\/td><td>60 months<\/td><td>10.99%<\/td><td>$41,525.23<\/td><td>$39,125.23<\/td><td>$2,400.00<\/td><\/tr><tr><td>$50,000<\/td><td>60 months<\/td><td>10.99%<\/td><td>$69,208.59<\/td><td>$65,208.59<\/td><td>$4,000.00<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>As you can see, Upstart&#8217;s origination fee can significantly increase the overall cost of the loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Loan_Requirements\">Loan Requirements<\/h3>\n\n\n\n<p>Both lenders have similar basic requirements, but the key difference lies in the credit score:<\/p>\n\n\n\n<ul>\n<li><strong>Upstart:<\/strong> Accepts scores as low as 300<\/li>\n\n\n\n<li><strong>SoFi: <\/strong>Requires a minimum score of 680<\/li>\n<\/ul>\n\n\n\n<p>This makes Upstart more accessible for those with <a href=\"https:\/\/financer.com\/loans\/bad-credit-loans\/\">less-than-stellar credit<\/a>, while SoFi caters to borrowers with good to excellent credit profiles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Mobile_App_and_Online_Experience\"><strong>Mobile App and Online Experience<\/strong><\/h3>\n\n\n\n<p>Both <strong>SoFi<\/strong> and <strong>Upstart<\/strong> provide robust mobile apps and online platforms. SoFi\u2019s app is highly rated for its comprehensive features, including account management, loan tracking, and access to other financial services. <\/p>\n\n\n\n<p>Upstart\u2019s app is praised for its simplicity and ease of use, making loan management straightforward.<\/p>\n\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Compare loans from 45 lenders<\/h3><p>Find the cheapest rate with one click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"500\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360\" data-slider-url=\"https:\/\/financer.com\/results?query=1&non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360\" data-required=\"results?query=1non_affiliate=true&param_amount=500&loan_broker_filter_active=true&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compare Offers<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"SoFi_vs_Upstart_Customer_Reviews_Comparison\">SoFi vs Upstart: Customer Reviews Comparison<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Upstart_Customer_Reviews\">Upstart Customer Reviews<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/upstart\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/upstart-review.png\" class=\"attachment-full size-full\" alt=\"upstart review\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>10,307<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >Fast Funding<\/li><li >High Trustpilot Rating<\/li><li >High Acceptance Rate<\/li><li >No Repayment Penalty Fees<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">7.80<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">35.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">3 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">5 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">Yes. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/upstart\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"764\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/upstart\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/upstart\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.9\">4.9<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/upstart\/#read-reviews\">7<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>Upstart has received generally positive feedback from customers, particularly for its:<\/p>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Accessibility for borrowers with lower credit scores<\/li>\n\n\n\n<li>Quick and straightforward application process<\/li>\n\n\n\n<li>Fast loan approval and funding (often within one business day)<\/li>\n\n\n\n<li>Use of AI to assess creditworthiness beyond traditional credit scores<\/li>\n<\/ul>\n\n\n\n<p>However, some customers have concerns about:<\/p>\n\n\n\n<ul class=\"is-style-cons-list\">\n<li>High origination fees (up to 8%)<\/li>\n\n\n\n<li>Maximum APR of 35.99%, which can be steep for lower credit score borrowers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"SoFi_Customer_Reviews\">SoFi Customer Reviews<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.com\/company\/sofi\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"942\" height=\"368\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/sofi-logo-1.png\" class=\"attachment-full size-full\" alt=\"SoFi\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/sofi-logo-1.png 942w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/sofi-logo-1-300x117.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/11\/2017\/06\/sofi-logo-1-768x300.png 768w\" sizes=\"(max-width: 942px) 100vw, 942px\" \/><\/a><span class=\"items-content__card-chosen\">Chosen <strong>16,337<\/strong> times<\/span><ul class=\"items-content__card-list\"><li >See Rates in 60 seconds<\/li><li >High Trustpilot Score<\/li><li >NO fees required and same-day funding<\/li><li >Unemployment Protection<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Amount<\/span><span class=\"items-content__card-datapoint-value\">100000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lowest APR<\/span><span class=\"items-content__card-datapoint-value\">8.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Highest APR<\/span><span class=\"items-content__card-datapoint-value\">25.81<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min Loan Term<\/span><span class=\"items-content__card-datapoint-value\">2 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max Loan Term<\/span><span class=\"items-content__card-datapoint-value\">7 Years<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepts bad credit:<\/span><span class=\"items-content__card-datapoint-value\">No. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minimum Age<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.com\/company\/sofi\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"750\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">See offer<\/a><a href=\"https:\/\/financer.com\/company\/sofi\/\"  class=\"button is-rounded items-content__card-more-info\">More Info<\/a><a href=\"https:\/\/financer.com\/company\/sofi\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.6\">4.6<\/span><\/a><span class=\"items-content__card-reviews\">Read&nbsp;<a href=\"https:\/\/financer.com\/company\/sofi\/#read-reviews\">21<\/strong>&nbsp;reviews<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>SoFi is well-regarded by customers for its:<\/p>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Competitive interest rates<\/li>\n\n\n\n<li>No fees (origination, prepayment, or application)<\/li>\n\n\n\n<li>Comprehensive suite of financial services<\/li>\n\n\n\n<li>Responsive and helpful customer service<\/li>\n\n\n\n<li>User-friendly mobile app<\/li>\n<\/ul>\n\n\n\n<p>The main drawback noted is:<\/p>\n\n\n\n<ul class=\"is-style-cons-list\">\n<li>Higher minimum credit score requirement (680), which can be a barrier for some borrowers<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Remember\">Remember<\/h3><p>The best lender for you will ultimately depend on <strong>your specific financial situation<\/strong> and <a href=\"https:\/\/financer.com\/loans\/glossary\/credit-report\/\">credit history<\/a>.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Which_Is_Better_SoFi_or_Upstart\">Which Is Better: SoFi or Upstart?<\/h2>\n\n\n\n<p>The best choice depends on your specific situation:<\/p>\n\n\n\n<ul>\n<li><strong>Large Loan Amount:<\/strong> SoFi is the winner, offering up to $100,000.<\/li>\n\n\n\n<li><strong>Low Credit Score:<\/strong> Upstart is more suitable, accepting scores as low as 300.<\/li>\n\n\n\n<li><strong>Cheaper Loan:<\/strong> SoFi has lower APRs and no origination fees.<\/li>\n\n\n\n<li><strong>Small Loan Amount:<\/strong> Upstart offers loans starting at $1,000, while SoFi starts at $5,000.<\/li>\n\n\n\n<li><strong>Future Online Banking Services:<\/strong> SoFi provides additional services like <a href=\"https:\/\/financer.com\/loans\/mortgage\/\">mortgages<\/a> and <a href=\"https:\/\/financer.com\/credit-cards\/\">credit cards<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Choose a company based on your needs. You can go to the company&#8217;s websites and apply now.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"https:\/\/financer.com\/company\/upstart\/redirect\/\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Apply for Upstart loan now<\/a><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"https:\/\/financer.com\/company\/sofi\/redirect\/\" class=\"button  is-rounded is-primary is-inverted is-outlined is-medium is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Apply for SoFi loan now<\/a><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"FAQ\">FAQ<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Whose loan is better: SoFi or Upstart?<\/h4><div class=\"faq_inner\"><p>If you have a good credit history and need a loan in the amount of more than $ 5,000, then contact SoFi. SoFi offers a lower interest rate for customers with a high credit score. If you have a low credit score, then borrow from Upstart.<\/p><\/div><h4>What is the difference between SoFi and Upstart?<\/h4><div class=\"faq_inner\"><p>SoFi offers a large loan amount of up to $100,000 and has a lower APR. However, the company&#8217;s services are suitable only for borrowers with a high credit score of 680. A loan from Upstart is slightly more expensive but is suitable for a borrower with a credit score of 300.<\/p><\/div><h4>Where will I get the money faster: Upstart or SoFi?<\/h4><div class=\"faq_inner\"><p>Both companies offer quick payout. However, if you receive approval early in the morning, then at Upstart you will receive funds the next day and at SoFi you have the opportunity to receive money on the same day.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Upstart and SoFi offer similar services with slight differences. SoFi vs Upstart: Quick Comparison Feature Upstart SoFi Loan type Personal\u2026 <\/p>\n","protected":false},"author":37432,"featured_media":84188,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1076],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts\/79200"}],"collection":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/users\/37432"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/comments?post=79200"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts\/79200\/revisions"}],"predecessor-version":[{"id":80103,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/posts\/79200\/revisions\/80103"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media\/84188"}],"wp:attachment":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media?parent=79200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/categories?post=79200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/tags?post=79200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}