# Upstart: Personal Loans + More — Money for moments that matter > Personal loan platform for fast, transparent borrowing with flexible options. (iPhone/iPad app by Upstart Network, Inc..) - Source: https://appshunter.io/ios/app/upstart-personal-loans-plus-more/id6450968733 (this page in markdown: same URL + `.md`) - Developer: [Upstart Network, Inc.](https://appshunter.io/developer/1694510138) - Category: Finance - Price: Free - Rating: 4.90/5 from 41,480 App Store ratings · 245 written reviews indexed - Age rating: 17+ - Requires: iOS 16.0 · 93 MB - Languages: American English - Released: 2023-10-23 - Data updated: 2026-08-27 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/upstart-personal-loans-plus-more/id6450968733/reviews.md ## What is Upstart? Upstart makes it simple to borrow the money you need. Get funded in as fast as 24 hours for personal loans¹, and within seconds with Cash Line*. Check your rate in minutes, with no impact to your credit score². Trusted by 4M+ borrowers³ & rated 4.9 stars⁴. Apply for fixed-rate loans from $200 to $75,000.⁵ Easily apply for personal loans and credit lines. Lightning Fast Approvals • Most funded borrowers received approvals instantly⁶, no paperwork needed • Funding instantly for Cash Line after approval* • Check if you qualify in minutes Flexible Loans & Cash Access • Personal loans: $200- $75K⁵ • Debt consolidation: Combine debts into one payment • Cash Line: Access a flexible line of credit for quick cash needs App Features • NEW: Unlock ongoing funds⁷ vs one-time cash advances with Cash Line for instant cash*. Get $200 minimum once approved. • Compare loan options side-by-side • Manage your loan & make payments • Get prequalified for future loans • Access customer support 24/7 Why 4+ Million Borrowers Choose Us³ • Top rated with strong customer satisfaction • No hidden fees; transparent pricing from day one • Personalized rates based on your financial profile • Fast access to funds & flexible options About Upstart: Upstart is the borrowing platform trusted by millions. We connect you to a network of 100+ trusted lenders, so you can get loan offers tailored to you. We offer competitive fixed-rates for personal loans, small dollar loans & Cash Line. With an easy online application, you can see your options in minutes and decide with confidence. Plus, we don’t charge prepayment fees. We’re here each step with a live Customer Service team. LEGAL DISCLAIMERS: ¹In March 2026, 69% of Upstart customers had the funds transfer initiated in 24 hours upon approval and signing the promissory note. When the funds will be available to you will depend on your bank’s transaction processing time and policies. ²When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate & proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus ³As of 3/31/26, across the entire Upstart marketplace ⁴As of 3/31/26 for Upstart on the App Store ⁵Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($1,500), MA ($7,000). Maximum loan amounts may vary by state. ⁶The majority of unsecured loan borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents; final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer ⁷Always On Commitment: We are committed to maintaining your credit limit as long as you continue to meet program eligibility and account requirements. To ensure the safety and security of all our members, we reserve the right to adjust or close lines in specific circumstances, including account default or late payments, suspected fraud, violation of our terms of service (including abusive behavior), or when necessitated by legal or regulatory requirements. *To receive instant funding, your bank account must support instant transfers. If your account does not support instant transfers, funds will be available depending on your bank's transaction processing time & policies Upstart Network, Inc. NMLS #936133. Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions. ## Key features - 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 ## Chart rankings - #88 in Top Free · Finance (US App Store) ## What do users think of Upstart? Overall sentiment: negative **Pros** - 👍 Easy to use - 👍 Convenient app - 👍 Quick loan approval - 🚀 Fast loan disbursement **Cons** - 🐛 Login issues - 💰 High interest rates - 🕰️ Slow payment processing - 🤔 Unclear approval criteria - 🤨 Unethical business practices **Commonly reported bugs** - Login with Apple feature broken - Inconsistent payment tracking - Inability to remove linked bank accounts **Most requested features** - Faster payment processing - Improved login experience - Android app availability - Estimated payoff date display ## Recent user reviews (10 of 245) All indexed reviews: https://appshunter.io/ios/app/upstart-personal-loans-plus-more/id6450968733/reviews.md ### 5/5 — Instant Cash *2026-08-16, version 1.1.13* It’s so easy to apply and i got approved in minutes. ### 1/5 — Rude *2026-08-15, version 1.1.13* They help only if they feel like it ### 5/5 — Great *2026-08-13, version 1.1.13* Excellent work with this team ### 1/5 — Loan *2026-08-13, version 1.1.13* Every time I try to apply for a loan. It will connect to my bank account then it sends me to the Walmart app ### 5/5 — Personal relief *2026-08-12, version 1.1.13* 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 ### 5/5 — Personal debt consolidation loan *2026-08-11* I got a personal loan through upstart to consolidate my credit card debt and they’re saving me a lot of money on interest. My minimum monthly payment is cheaper than what I was paying on all my credit cards before. On top of that I’ll have it paid off in 3 years. Sounds like a good deal to me ### 1/5 — NOPE! *2026-08-09, version 1.1.12* took personal information then can’t help. And not many options on account menu. Seems fishy. ### 1/5 — Personal info scam *2026-08-08, version 1.1.12* This app is only here to grab your social and bank info stay far away. You will never be approved for an advance those are all bots ### 1/5 — Loan *2026-08-07, version 1.1.12* My credit score is 800+ and yet the offered me personal loan for 30% apr ### 1/5 — Horrible *2026-08-07, version 1.1.12* Waste of my time. Denied denied denied, They need to be more transparent about their approval process. Very frustrating and not helpful at all. ## Frequently asked questions about Upstart ### 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. ## Version history (last 5 releases) ### 1.1.14 — 2026-08-25 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 ### 1.1.13 — 2026-08-10 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 ### 1.1.12 — 2026-07-27 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 ### 1.1.11 — 2026-07-13 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 ### 1.1.10 — 2026-07-06 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 ## Apps similar to Upstart | App | Rating | Price | Category | | --- | --- | --- | --- | | [MoneyLion: Banking & Cash Back](https://appshunter.io/ios/app/moneylion-banking-and-cash-back/id1064677082) | 4.8 (323,665) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance | | [Tilt: Cash Advance & Credit](https://appshunter.io/ios/app/tilt-cash-advance-and-credit/id1136397354) | 4.8 (454,759) | Free | Finance | | [OneMain](https://appshunter.io/ios/app/onemain/id727850116) | 4.8 (90,776) | Free | Finance | | [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (881,655) | Free | Finance | | [SoLo Funds: Lend & Borrow](https://appshunter.io/ios/app/solo-funds-lend-and-borrow/id1270164837) | 4.4 (39,806) | Free | Finance | ## Related topics [instant money loan](https://appshunter.io/ios/topics/instant-money-loan) · [cash advance loan](https://appshunter.io/ios/topics/cash-advance-loan) · [advance loan](https://appshunter.io/ios/topics/advance-loan) · [unlimited loans](https://appshunter.io/ios/topics/unlimited-loans) · [instant cash loan](https://appshunter.io/ios/topics/instant-cash-loan) · [get a loan small](https://appshunter.io/ios/topics/get-a-loan-small) · [upstart](https://appshunter.io/ios/topics/upstart) · [laon](https://appshunter.io/ios/topics/laon) · [enable loans](https://appshunter.io/ios/topics/enable-loans) · [same day loan](https://appshunter.io/ios/topics/same-day-loan) · [same day pay loans](https://appshunter.io/ios/topics/same-day-pay-loans) · [upstar](https://appshunter.io/ios/topics/upstar) · [registration loan](https://appshunter.io/ios/topics/registration-loan) · [stashfin](https://appshunter.io/ios/topics/stashfin) · [instant loans for bad credit](https://appshunter.io/ios/topics/instant-loans-for-bad-credit) · [apps for small cash loans](https://appshunter.io/ios/topics/apps-for-small-cash-loans) · [upstart loans](https://appshunter.io/ios/topics/upstart-loans) · [money loan apps with simple requirements](https://appshunter.io/ios/topics/money-loan-apps-with-simple-requirements) · [upstart cash line](https://appshunter.io/ios/topics/upstart-cash-line) · [loan apps](https://appshunter.io/ios/topics/loan-apps) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*