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Upstart: Personal Loans + More

Upstart: Personal Loans + More

Money for moments that matter

38K ratings
235 reviews
#71 in free Finance
💰 Finance
Free

Details

  • Released
  • Updated
  • October 23, 2023
  • July 27, 2026

Features

Developer

Upstart Network, Inc.
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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 38K 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

What's New in Upstart

1.1.12

July 27, 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

📈 71+2

Finance

This app rose +2 positions in Finance chart.

Last updated on August 8, 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

No good

This company is so quick to take your money but is slow to get refunds back…. You call support and have no clear information to provide you….. 👎👎👎👎👎👎👎👎👎👎👎
OmarcruzzzOmarcruzzz

Loan for emergency

Nicely it. Its take care of helps my financial went troubles and affordable to make payment it
sopranos92sopranos92

This app doesn't open!!

I can't log in because the screen doesn't allow it! Nothing works when I click the any options. I type in my email address in the blank line and click the check mark and NOTHING happens. I have zero issues with any other apps so it's this app not my phone. Fix this issue IF YOU WANT MY MONEY!!!!!
Seb723Seb723

Loan sharks

They are loan sharks. Please do protect yourself and stay away from them. I don’t know which laws allow them to operate but they will suck you up to your bone marrow. Go for any other option but Upstart.
GahhgtsgsvGahhgtsgsv

Fraud alert

Every payment I make, the UpStart company takes over 45% in interest from every payment I make. That’s not what I signed up for, that’s not what my promise note I signed says. So when I see my account adjust accordingly, I will make my payments accordingly. That’s my promise note
G Baby83G Baby83
See 230 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.