Compare 6 sites similar to Upstart for personal loans
Upstart logo sites like

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 8.85%–29.99%, including an origination fee as high as 8%

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 sites like

1. Prosper

A 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%–35.99%.
  • Simple terms of 3 year(s) or 5 year(s).

Cons

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

Go to the Prosper website


Lendingclub logo sites like

2. LendingClub

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

Pros

  • No prepayment penalties.
  • Fixed rates.
  • Lower 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 personal loans 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.
  • Available in 48 states and the District of Columbia.
  • Free credit counseling and unemployment protection.
  • No origination, closing, late, NSF, or prepayment 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 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 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.
  • Bad credit 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

Avant offers personal loans with funds deposited into your account as soon as the business day after approval. Learn about similar online lenders.

Pros

  • Quick approval and funding.
  • Pay 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


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US Personal Loans Offers

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Even Financial Personal Loans

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

Prosper Personal Loans

Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

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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