Is Upstart legit?

Do you want to know if the personal loan company Upstart is legit? At Responsible Economy, we provide you with all the information about this company so you can see for yourself that Upstart is legit. Let’s get started!

What is Upstart?

Established by former Google employees, Upstart is based in San Mateo, California, and has facilitated over $16 billion in personal loan transactions. If you’re seeking to combine debts, undertake a significant acquisition, or manage personal expenditures, an Upstart personal loan might offer the assistance you require.

It’s important to note that Upstart doesn’t directly provide funds; instead, it facilitates the entire process online and instantly by acting as an intermediary with banks.


To determine the legitimacy of something, it’s important to consider what customers and users are saying. To do this, we’ve looked at reviews on Trustpilot for Upstart. On Trustpilot, Upstart has 45,000 reviews with an average rating of 4.9 out of 5. The initial conclusion we can draw is that Upstart’s users are satisfied with the service they receive.

Length of seniority

The duration a company has been active is vital in establishing its credibility, given that fraudulent enterprises typically have short existences. Upstart was founded in 2012, marking over 11 years of operation since its establishment. This further reinforces the confidence in the authenticity of the company.


Having the relevant licenses in each state is of utmost importance. Upstart provides us with information about the financial licenses it holds in each state. Here’s a link to all the licenses. This is yet another reason to trust Upstart.

Number of workers

LinkedIn is the premier professional networking platform. Through LinkedIn, we can see that more than 1,875 employees work at Upstart.


Based on compelling evidence, Upstart is unquestionably legitimate. Founded by former Google employees and based in San Mateo, California, Upstart has facilitated over $16 billion in personal loan transactions. The company’s role as an intermediary with banks ensures secure online and instant loan processing. Notably, Trustpilot reviews boast a remarkable 4.9 average rating from 45,000 users, attesting to high customer satisfaction. With a history spanning over 11 years since its 2012 establishment, Upstart’s longevity further solidifies its authenticity. Holding relevant state licenses and boasting a substantial workforce of over 1,875 employees on LinkedIn, Upstart stands as a reputable and trustworthy entity.

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Updated the day 1 September, 2023 by Alfredo Barandiarán

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