Is upstart a good loan company?

Do you want to know if Upstart is a good company for applying for personal loans? At Responsible Economy, we have conducted a comprehensive analysis of Upstart, in which we will show you that it is indeed a good company for requesting personal loans. Let’s begin!


One of the main aspects we should focus on is the interest rate, as there are many usurious companies with interest rates exceeding 100%. Upstart’s minimum interest rate is 4.60% APR, which is very favorable conditions. On the other hand, the maximum interest rate is 35.99% APR, which is a quite high interest rate. Up to this point, we could say that Upstart is a good company for requesting personal loans.


Customer opinion is undoubtedly a crucial aspect when evaluating a company. Trustpilot is a platform where customers rate products and services. Upstart has 43,000 reviews on Trustpilot with an average rating of 4.9 out of 5. This indicates that Upstart’s customers are very satisfied with the services they provide.

Years in business

Another very important point to assess a company is its length of service. Upstart was founded in the year 2012, which means it has over 11 years of seniority. This is another piece of information that leads us to believe that Upstart is a good company to apply for personal loans.


In conclusion, when considering Upstart as a potential choice for personal loans, several key factors stand out. The interest rate is a critical element, given the prevalence of usurious companies charging exorbitant rates. Upstart’s range of interest rates, with a minimum of 4.60% APR and a maximum of 35.99% APR, showcases both favorable conditions and transparency.

Moreover, customer opinions hold substantial weight in assessing a company’s reliability. With an impressive average rating of 4.9 out of 5 based on 43,000 reviews on Trustpilot, Upstart demonstrates a track record of satisfying its customers, which adds to its credibility.

Considering the length of time a company has been in operation is also pivotal. Upstart’s more than 11 years of seniority since its establishment in 2012 is a testament to its stability and experience within the industry.

Taking into account these aspects—the competitive interest rates, positive customer opinions, and years in business—it is reasonable to conclude that Upstart emerges as a reputable and appealing option for individuals seeking personal loans.

Loans like Upstart

Here is also a comparison of loans like Upstart:

Logo SoFi loans
  • APR: 8.99-25.81%
  • Terms: 2-7 years
  • Amount: $5,000-$100,000
  • Credit Score: no
Logo LightStream loans
  • APR: 7.99-25.49%
  • Terms: 2-12 years
  • Amount: $5,000-$100,000
  • Credit Score: 660
Logo Upstart loan
  • APR: 6.50-35.99%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: no
Logo Happy Money loans
  • APR: 10.50-29.99%
  • Terms: 2-5 years
  • Amount: $5,000-$40,000
  • Credit Score: 640
Logo upgtrade loans
  • APR: 8.24-35.97%
  • Terms: 2-7 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Best Egg loan
  • APR: 8.99-35.99%
  • Terms: 3-5 years
  • Amount: $2,000-$50,000
  • Credit Score: 600
Logo Universal credit loans
  • APR: 11.69-35.93%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Logo Discover personal loans
  • APR: 6.99-24.99%
  • Terms: 3-7 years
  • Amount: $2,500-$40,000
  • Credit Score: 660
logo rocket loans
  • APR: 9.116-29.99%
  • Terms: 3-5 years
  • Amount: $2,000-$45,000
  • Credit Score: 640

More information about Upstart

Here is a table with interest information about Upstart:

Information about Upstart

All the information about Upstart

Below, we provide you with a list of all the articles we have created about Upstart:

To conclude, here is more content regarding personal loans:

Updated the day 1 September, 2023 by Alfredo Barandiarán

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