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Upstart: Personal Loans + More

Upstart: Personal Loans + More

Money for moments that matter

41K ratings
245 reviews
#82 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • October 23, 2023
  • August 25, 2026

Features

Developer

Upstart Network, Inc.
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📉no. 82
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About

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

✓Check rate without credit score impact
✓Fast approvals and funding
✓Personal loans up to $75,000
✓Debt consolidation options
✓Auto refinancing
✓Track application status
✓Manage loan and payments
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What users say

Summarized from real user reviews of Upstart. Based on 41K reviews and a 4.9/5 average, it highlights the 4 positives and 5 negatives reviewers mention most about this Finance app.

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

1.1.14

August 25, 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

📉 82-1

Finance

This app dropped -1 position in Finance chart.

Last updated on August 28, 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

Instant Cash

It’s so easy to apply and i got approved in minutes.
Alexdr86Alexdr86

Rude

They help only if they feel like it
Annjojo30Annjojo30

Great

Excellent work with this team
YeyupoYeyupo

Loan

Every time I try to apply for a loan. It will connect to my bank account then it sends me to the Walmart app
Mikejoanna5522Mikejoanna5522

Personal relief

Personal Relief Loan made the process straightforward and easy to understand. The application was simple, and I appreciated how quickly everything was handled. Overall, it was a positive experience and provided the financial help I needed. Thanks
Polite feelingPolite feeling
See 240 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

What does the Upstart app do?

The Upstart app helps you borrow money quickly and transparently. You can check your loan rate in minutes without affecting your credit score, apply for fixed-rate personal loans ranging from $500 to $75,000, and manage your loan payments on the go.

What are the key features of the Upstart app?

Key features include checking your rate with no credit score impact, fast approvals (90% of funded borrowers receive instant approvals), funding in as fast as one business day, flexible loan options like personal loans, debt consolidation, and auto refinancing, and the ability to track your application status in real-time.

Is there a cost to use the Upstart app?

The app itself is free to download and use. While checking your rate has no impact on your credit score, accepting a loan offer will involve a hard credit inquiry. There are no hidden fees, and pricing is transparent from day one.

What types of loans can I get through Upstart?

You can apply for personal loans for various needs, auto refinancing to potentially lower your monthly car payments, short-term relief loans for everyday bills, and debt consolidation loans to combine multiple debts into a single, manageable payment.

Who is the Upstart app for?

This app is designed for individuals who need to borrow money for personal expenses, to consolidate debt, or to refinance their car loans. It's ideal for those who value a fast, transparent, and simple borrowing process.