Do you want to learn about all the loans you can apply for in the United States like Upstart? From Responsible Economy, we present you with a list of all the personal loans similar to Upstart and their respective features. Let’s get started!
Similar loans to Upstart
Here’s a ranking of all the loans similar to Upstart that you can apply for in the United States. Below the ranking, you can find detailed characteristics of each loan:
- APR: 8.99-25.81%
- Terms: 2-7 years
- Amount: $5,000-$100,000
- Credit Score: no
- APR: 7.99-25.49%
- Terms: 2-12 years
- Amount: $5,000-$100,000
- Credit Score: 660
- APR: 6.50-35.99%
- Terms: 3-5 years
- Amount: $1,000-$50,000
- Credit Score: no
- APR: 10.50-29.99%
- Terms: 2-5 years
- Amount: $5,000-$40,000
- Credit Score: 640
- APR: 8.24-35.97%
- Terms: 2-7 years
- Amount: $1,000-$50,000
- Credit Score: 560
- APR: 8.99-35.99%
- Terms: 3-5 years
- Amount: $2,000-$50,000
- Credit Score: 600
- APR: 11.69-35.93%
- Terms: 3-5 years
- Amount: $1,000-$50,000
- Credit Score: 560
- APR: 6.99-24.99%
- Terms: 3-7 years
- Amount: $2,500-$40,000
- Credit Score: 660
- APR: 9.116-29.99%
- Terms: 3-5 years
- Amount: $2,000-$45,000
- Credit Score: 640
Upgrade
In our selection of top contenders, Upgrade presents an enticingly low minimum APR. Nevertheless, if your credit isn’t in excellent condition, you may encounter a higher interest rate. For individuals with a less-than-ideal credit history, the APR could climb to 35.99%. It’s worth noting that Upgrade establishes a lower entry point for loan amounts, starting at $1,000, which is notably beneath the offerings of many comparable lenders.
Opting for Upgrade entails anticipating an origination fee ranging from 1.85% to 9.99%, which will be subtracted from your loan disbursement. While Upstart could impose a late fee of up to $10, this lender refrains from imposing prepayment penalties. Upon accepting your loan offer, your funds could be distributed as soon as the following day.
Avant
Avant distinguishes itself by providing a more lenient qualification process. While its minimum credit score requirement serves as a guideline rather than an inflexible prerequisite, most Avant borrowers generally hold credit scores ranging from 600 to 700. Promptly funded loans are a hallmark of Avant’s service, often reflecting in account deposits by the subsequent business day if your loan is approved by 4:30 p.m. CT Monday through Friday.
Additionally, Avant impresses with its extended customer service hours, maintaining its phone lines open for at least 13 hours each day throughout the week. Moreover, the lender boasts a robust mobile app.
OneMain Financial
OneMain Financial While OneMain Financial exhibits a higher minimum APR compared to other top choices, it refrains from setting a minimum credit score requirement for application. As a result, if your credit is less than optimal, qualifying for a loan with this lender may be more attainable. Expedited funding on the same day of application submission is also a distinct possibility.
OneMain distinguishes itself by offering both secured and unsecured personal loans, a feature rarely found among personal loan lenders. This inclusion of secured loans, backed by collateral such as a home or vehicle, provides borrowers with versatile options.
LendingClub
LendingClub introduces flexibility by permitting the addition of a co-borrower to your loan application. This option proves advantageous for those concerned about qualification or aiming to avoid higher interest rates. Nevertheless, keep in mind that the disbursement process may take two to four business days, slightly longer than that of many other lenders.
Furthermore, LendingClub mandates a late fee equivalent to 5% of the minimum payment amount or $15 (whichever is greater), calculated based on your total loan amount.
LendingPoint
LendingPoint stands out with the lowest minimum credit score requirement among our top choices, making it an appealing option for individuals with limited credit histories. The application process with LendingPoint is swift, and approval can often be granted on the same day you apply. Upon approval, funds can typically be accessible on the next business day.
However, it’s important to note that LendingPoint is unavailable for residents of Nevada or West Virginia. Additionally, potential origination fees may apply, contingent on your state of residence.
More information about Upstart
Here is a table with interest information about Upstart:
| Information | Description |
|---|---|
| Website | https://www.upstart.com/ |
| https://www.facebook.com/TeamUpstart | |
| https://twitter.com/Upstart |
All the information about Upstart
Below, we provide you with a list of all the articles we have created about Upstart:
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Updated the day 1 September, 2023 by Alfredo Barandiarán
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