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.
Summarized from real user reviews of Upstart. Based on 37K reviews and a 4.9/5 average, it highlights the 4 positives and 5 negatives reviewers mention most about this Finance app.
1.1.11
July 13, 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
More
Introducing Cash Line, our new line of credit
Jul 1, 2026 — Jul 15, 2026
3 issues
Login with Apple feature broken
Inconsistent payment tracking
4 requests
Faster payment processing
Improved login experience
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.
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.
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.
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.
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.
