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Upstart: Personal Loans + More

Upstart: Personal Loans + More

Money for moments that matter

48K ratings
274 reviews
#65 in free Finance
💰 Finance
Free

Details

Released
October 23, 2023
Updated
November 2, 2026

Features

Developer

Upstart Network, Inc.
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Upstart: Personal Loans + More screenshot #1 for iPhone
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Upstart: Personal Loans + More screenshot #3 for iPhone
Upstart: Personal Loans + More screenshot #4 for iPhone
Upstart: Personal Loans + More screenshot #5 for iPhone
Upstart: Personal Loans + More screenshot #6 for iPhone
📈no. 65
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About

Borrow money for personal needs or debt consolidation with fast approvals and flexible repayment options. Access funds quickly through personal loans or a revolving credit line. Manage your account, compare offers, and get support 24/7.

✓Fast loan approvals
✓Personal loans up to $75,000
✓Cash Line for instant access to funds
✓Debt consolidation options
✓Compare loan offers
✓Manage loans and payments
✓24/7 customer support
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What users say about Upstart

Reviews of Upstart are mostly negative: the Finance app is rated 4.9/5 from 48K App Store ratings. What users like most: easy to use, convenient app. Top complaints: login issues, high interest rates. Summarized from real user reviews.

Positive things

  • 👍Easy to use
  • 👍Convenient app
  • 👍Quick loan approval
  • 🚀Fast loan disbursement

Negative things

  • 🐛Login issues
  • 💰High interest rates
  • 🕰️Slow payment processing
  • 🤔Unclear approval criteria
  • 🤨Unethical business practices
See all reviews
+1

What's New in Upstart

1.1.19

November 2, 2026

What's new: - UX improvements - Better stability Are there any features you would like to see in the future? We are always listening and working hard behind the scenes, please email us at mobile@upstart.com

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Charts

Top Free

📈 65+1

Finance

This app rose +1 position in Finance chart.

Last updated on November 2, 2026.

Events

Read more about Get $200 with Cash Line!
Event EndedMajor Update

Get $200 with Cash Line!

Introducing Cash Line, our new line of credit

Jul 1, 2026 — Jul 15, 2026

Read More

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User reviews

Most RecentHighest RatedLowest Rated

You guys suck

I didn’t get approved for a loan or instant cash. Wasted my time applying. Will definitely not be recommending you guys to anyone I know.
OOooeoeeorirurirueuru

Bless

I am bless that my daughter told me about Upstart. I apply and within minutes I knew the results. This made me so happy because I didn’t have to be worrying what was going to happen for hours or days. Thank you Upstart. 😊
MRMom Rojas

My loan

I have 2 loans from them one is fine but the other for some reason won’t appear on the sight and I can’t track it
CCastiel1971

Nope doesn’t connect

Kicks out the app when you try and connect to bank
Mmyourchisin

So easy!

I was amazed and how easy it was do get approved online. Everything was integrated and so simple. The best part was that we didn’t have to search locally for notary. At the right time during the online process a zoom call with a Notary popped up and 2min later we were all set! Great experience!!!
RDridiculous D
See 269 more reviews

User experience

🐞

Reported Bugs

3 issues

Login with Apple feature broken

Bug

Inconsistent payment tracking

Bug

Inability to remove linked bank accounts

Bug
✨

Requested Features

4 requests

Faster payment processing

Feature

Improved login experience

Feature

Android app availability

Feature

Estimated payoff date display

Feature

FAQ

How quickly can I get funded with Upstart?

Funds for personal loans can be initiated in as fast as 24 hours upon approval. Cash Line funding is available within seconds after approval. Actual fund availability depends on your bank's processing times.

What is the range of loan amounts available through Upstart?

Upstart offers personal loans ranging from $200 to $75,000. Minimum loan amounts may vary by state, with some states like Georgia requiring a minimum of $3,100.

Does checking my rate with Upstart affect my credit score?

When you check your rate, Upstart performs a soft credit inquiry that does not impact your credit score. A hard credit inquiry, which affects your score, is only conducted if you proceed with accepting your rate and applying for the loan.

What is the Cash Line feature on Upstart?

Cash Line is a flexible line of credit that allows you to unlock ongoing funds, rather than a one-time cash advance. Once approved, you can access instant cash with a minimum of $200.

Does Upstart have any hidden fees?

Upstart states there are no hidden fees and offers transparent pricing from day one. They also do not charge prepayment fees, allowing you to pay off your loan early without penalty.

What is the overall user sentiment for Upstart?

While Upstart is rated 4.9 stars, user review insights indicate a 'negative' overall sentiment. Common complaints include login issues, high interest rates, and slow payment processing.

What devices is Upstart available on?

Based on the provided data, Upstart is supported on iPhone devices. Information regarding Android or web platform availability is not specified.

How often is Upstart updated?

The latest version of Upstart is 1.1.19, which was last updated on November 2, 2026. This indicates a recent update, suggesting ongoing development and maintenance.