Compare 6 sites similar to Upstart for personal loans | finder.com
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Compare sites like Upstart

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Find loans similar to this newer online peer-to-peer platform.

Your credit score isn’t the only thing that counts when you apply for an Upstart loan. This peer-to-peer lender also considers factors like your education and career path. This makes it great for borrowers with only a few years of paying off student loans under their belt and applying is quick and easy.

It offers loans from $1,000 to $50,000 at terms of 3 to 5 years. It’s not always cheap, however. APRs range from 7.98% to 35.99%, including an origination fee as high as 8%. However, if you aren’t sure about borrowing from Upstart, you may want to consider other lenders for a personal loan.

Pros

  • Good for younger borrowers with limited credit history.
  • Offers a variety of loans with one simple application.
  • Pay no fees for early repayment.
  • Considers education in addition to credit score.

Cons

  • High origination fees of up to 8% rolled into loan.
  • Not the lowest starting APR in the market.
  • Additional fees for things like paper copy requests and late payments.

Looking for a more established online lender?

Alternative sites like Upstart

Click here to see Upstart


Prosper logo

1. Prosper

Another peer-to-peer lender, Prosper could get you up to $40,000 to consolidate your debt, start a business, improve your home and more.

Pros

  • Offers loans for a variety of purposes.
  • Lower starting APRs at 6.95% to 35.99%.
  • Simple terms of 3 year(s) or 5 year(s).

Cons

  • Loans capped at $40,000.
  • Requires a minimum credit score of 640.
  • Higher maximum APR than Upstart.

Go to the Prosper website


Lendingclub logo

2. LendingClub

Apply for an unsecured personal loan of up to $40,000 with LendingClub.

Pros

  • No prepayment penalties.
  • Fixed rates.
  • Origination fee of 1% to 6%.

Cons

  • Higher rates for poor credit borrowers.
  • Unavailable to Iowa and West Virginia residents.
  • Lower maximum loan amount.

Go to the LendingClub website


Sofi logo

3. SoFi

If you have a good to excellent credit score, SoFi can get you fast funding with low interest rates and no fees.

Pros

  • High maximum loan amount of $100,000.
  • Free credit counseling and unemployment protection.
  • No fees.

Cons

  • Strict eligibility requirements.
  • Lower approval rate than other lenders.

Go to the SoFi website


NetCredit personal loans logo

4. NetCredit

NetCredit offers unsecured personal loans up $10,000 that could help you rebuild your credit, even if you have a low credit score.

Pros

  • Quick turnaround time with flexible repayments.
  • Fair credit is OK.
  • Loans up to $10,000.

Cons

  • Low maximum loan amount.
  • Loans available in 14 states only.
  • Stiff late fees could apply.

Go to the NetCredit website


OneMain Financial logo

5. OneMain Financial

In business for over a century, OneMain Financial provides secured and unsecured loans for a variety of purposes.

Pros

  • Offers both secured and unsecured loans.
  • Allows joint applications.
  • Borrowers with bad credit are eligible.

Cons

  • Higher APRs than competing lenders.
  • Origination fees vary by state.
  • Low maximum loan amount.

Go to the OneMain website


Avant personal loan logo

6. Avant

With Avant, you may be able to have a personal loan deposited into your account as soon as the business day after your laon is approved.

Pros

  • Quick approval and funding.
  • No fee for early repayment.
  • Reports to the three major credit bureaus to help build your credit.

Cons

  • Maximum loan amount varies by state.
  • May not be available in all states.
  • Potentially high origination fees if approved.

Learn more


Upstart Personal Loans

Upstart Personal Loan Offer

Consolidate your debt to pay it off faster. Apply to borrow up to $50,000 from Upstart Personal Loans.

  • Recommended Credit Score: 620 or higher
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $50,000
  • Loan Term: 3 or 5 years
  • Turnaround Time: 1 business day
  • Total Costs: Depends on your credit score.
  • No prepayment penalty
  • Confidential and secure online application

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    US Personal Loans Offers

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    Credible Personal Loans

    Get personalized rates in minutes and then choose a loan offer from several top online lenders.

    Even Financial Personal Loans

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    LendingClub Personal Loan

    A peer-to-peer lender offering fair rates based on your credit score.

    SoFi Personal Loan Fixed Rate (with Autopay)

    No fees. Multiple member perks such as community events and career coaching.

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    US Personal Loans Offers

    Important Information*
    Credible Personal Loans

    Get personalized rates in minutes and then choose a loan offer from several top online lenders.

    Even Financial Personal Loans

    Get connected to competitive loan offers instantly from top online consumer lenders.

    LendingClub Personal Loan

    A peer-to-peer lender offering fair rates based on your credit score.

    SoFi Personal Loan Fixed Rate (with Autopay)

    No fees. Multiple member perks such as community events and career coaching.

    Go to site