Loans Like Upstart: Compare 6 Options

Upstart is a popular US online lender offering personal loans from $1,000 to $50,000. The company looks beyond borrowers’ credit scores when making a lending decision—ideal for those with limited credit history. But unfortunately, you can’t get an Upstart loan in Canada.

Our team has reviewed the market to help you compare companies like Upstart in Canada. We looked at factors like interest rates, fees, credit score requirements and lending flexibility to help you find the best Canadian alternatives to Upstart.

Finder Score	APR Range	Loan Amount	Loan Term
Loans Canada
8.6 Great Loans Canada Personal Loan	8.6 Great	9.99% - 35.00%	$500 - $50,000	6 - 60 months	Go to site View details Compare product selectionCompare	loading	Why we like it Compare dozens of Canadian lenders with Loans Canada's search platform. With just one application, you can get offers from lenders that accept borrowers with your financial profile. The best part? Loans Canada is completely free to use. Pros Largest lending network in Canada Easily compare offers with one application Loans for good and bad credit Multiple loan types available Cons Not a direct lender High rates for bad credit Credit check might be required
LoanConnect
8.8 Great LoanConnect Personal Loan	8.8 Great	8.99% - 35.00%	$500 - $60,000	3 - 120 months	Go to site View details Compare product selectionCompare	loading	Why we like it Another loan search platform, LoanConnect helps you narrow down your search for lenders via a single application. Apply online in minutes, regardless of whether you have good or bad credit, and find out if you're pre-approved. Pros Fast pre-approval Options for good and bad credit Secured and unsecured loans Cons Not a direct lender High rates for bad credit
Spring Financial
8.5 Great Spring Financial Personal Loan	8.5 Great	9.99% - 35%	$500 - $35,000	6 - 84 months	Go to site View details Compare product selectionCompare	loading	Why we like it If you don't qualify for loans from banks or credit unions, Spring Financial could be the lender you're looking for. Consider Spring if you have less-than-good credit or don't meet the usual income thresholds. Pros High-risk applications are okay Flexible loan amounts from $500 to $35,000 No early repayment fees Cons Interest rates of up to 35% for bad credit You may be offered a credit builder loan (The Foundation loan) instead of a personal loan
easyfinancial
8.6 Great easyfinancial Personal Loan	8.6 Great	9.99% - 35.00%	$500 - $150,000	9 - 240 months	View details Compare product selectionCompare	loading	Why we like it Like Spring Financial, easyfinancial helps good and bad credit applicants find secure and unsecured loans. It's quick and easy to apply, and you could qualify for a lower rate with a co-applicant. Pros Fast application, approval and funding Secured and unsecured loans 2% rate reduction with a co-applicant Low or no credit is okay Cons Steep rates for bad credit Extra fees for optional services (i.e. loan insurance and Credit Optimizer)
Fairstone
8 Great Fairstone Personal Loans	8 Great	19.99% - 34.99%	$500 - $60,000	6 - 120 months	View details Compare product selectionCompare	loading	Why we like it A loan from Fairstone can be used for just about anything from consolidating debt to covering unexpected costs. Apply for up to $60,000, and secure your loan with collateral to qualify for a better rate. Choose to make weekly, bi-weekly or monthly repayments. Pros Secured and unsecured loans Flexible terms No early repayment fees for unsecured loans Cons Admin Fees may apply for secured loans Early repayment fees for secured loans Some customers complain about overly persistent marketing efforts
AAR Financial
7.7 Great AAR Financial Personal Loan	7.7 Great	14.90% - 35.00%	$1,000 - $50,000	12 - 96 months	View details Compare product selectionCompare	loading	Why we like it Whether you have good, bad or no credit, AAR Financial Personal Loan will take your application (provided you live in a serviced region). Depending on your province, the company offers personal loans and home equity loans. Repay your personal loan ahead of schedule without any penalties. Pros All types of credit can apply Secured and unsecured loans Flexible terms No early repayment fees for unsecured loans Cons High interest rates Not available in all provinces and territories Additional fees may apply and aren't clearly disclosed online

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How does Upstart compare?

Upstart has some of the most flexible lending criteria among personal loan providers in the US. Borrowers can choose from either personal loans or auto refinance loans. Here are the main pros and cons of this lender.

Pros

300 minimum credit score requirement
Considers alternative criteria like your education and career
Lots of positive reviews online

Cons

Origination fee up to 12%
Only two terms to choose from

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Stacie Hurst

Editor

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Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family. See full bio

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Stacie has written 235 Finder guides across topics including:

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Co-written by

Kat Aoki

Writer

Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

Kat's expertise

Kat has written 6 Finder guides across topics including:

Mortgages
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Loans like Upstart

Compare personal loans like Upstart in Canada. Find a lender with better rates, fees and terms.

Loans Canada

Why we like it

Pros

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LoanConnect

Why we like it

Pros

Cons

Spring Financial

Why we like it

Pros

Cons

easyfinancial

Why we like it

Pros

Cons

Fairstone

Why we like it

Pros

Cons