Upstart personal loans
4.15 / 5
★★★★★
Upstart specializes in funding borrowers who are just building their credit. It accepts credit scores as low as 300. But beyond that, it considers education and career during the underwriting process and accepts fair credit to help you qualify for lower rates than you might elsewhere. Its rates range from 6.5% to 35.99%, which are slightly lower than LendingPoint's. But its origination fees can run as high as 8% — higher than LendingPoint.
- Not available in: West Virginia
- Accepts fair credit
- Career and education can get you lower rates
- Starting APR of 6.5%
- Potentially high origination fee
- Considers individual instead of household income
- Longer turnaround for education-related expenses
Loan amount | $1,000 to $50,000 |
---|---|
APR | 6.5% to 35.99% |
Interest Rate Type | Fixed |
Minimum credit score | 300 |
Turnaround Time | 1 to 3 business days |
Maximum Loan Term | 5 years |
Minimum Loan Term | 3 years |
APR | 6.5% to 35.99% |
---|---|
Minimum credit score | 300 |
Loan amount | $1,000 to $50,000 |
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