Let me just say, of all the lenders I've researched and used, Upstart is hands down my favorite. Seriously. I, unfortunately, have needed to use many lenders over the years, Lending Club, Upstart, Credit Unions, Firstmark. And, throughout time, I've been flat-out rejected by others which are not even as reputable (e.g. Avant, First Main, One Main, Prosper). Throughout that time I have found that Upstart ALWAYS had the best terms (interest rates, payment amounts, etc.) at least for all my applications. This is my 3rd loan with them I've used over 8 years (never concurrent, and never immediately back-to-back). I have NEVER missed a payment on ANY credit card or loan, and Upstart still was always willing to give me a chance when other inferior lenders would not. I love Upstart. They've always done me well, and I always made sure my autopay paid them the same respects. I even paid off 1 loan 1/2 way through once because I was able to. If you need help, give Upstart a try.

Date of experience: September 01, 2021