Loans like Upstart

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

Stacie Hurst's headshot
Kat Aoki's headshot

By

Stacie Hurst

&

Kat Aoki

Updated

Fact checked

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

Loans Canada logo
8.6 Great
Loans Canada Personal Loan
8.6 Great
9.99% - 35.00%
$500 - $35,000
6 - 60 months
Go to siteView details
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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

LoanConnect logo
8.8 Great
LoanConnect Personal Loan
8.8 Great
8.99% - 35.00%
$500 - $60,000
3 - 120 months
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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

Spring Financial logo
8.5 Great
Spring Financial Personal Loan
8.5 Great
9.99% - 34.95%
$500 - $35,000
6 - 84 months
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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 34.95% for bad credit
  • You may be offered a credit builder loan (The Foundation loan) instead of a personal loan

easyfinancial

easyfinancial logo
8.6 Great
easyfinancial Personal Loan
8.6 Great
9.99% - 35.00%
$500 - $150,000
9 - 240 months
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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

Fairstone logo
8 Great
Fairstone Personal Loans
8 Great
19.99% - 34.99%
$500 - $60,000
6 - 120 months
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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

AAR Financial logo
7.7 Great
AAR Financial Personal Loan
7.7 Great
14.90% - 35.00%
$1,000 - $50,000
24 - 120 months
View details
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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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Sources

Stacie Hurst's headshot
Written by

Associate editor

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

Stacie's expertise
Stacie has written 235 Finder guides across topics including:
  • Banking
  • Stock Trading
  • Cryptocurrency
  • Personal Loans
  • Car Loans
  • Credit Cards
Kat Aoki's headshot
Co-written by

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 7 Finder guides across topics including:
  • Mortgages
  • Home equity loans
  • Mortgage refinancing
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