Upstart Reviews: Is It Legit?

Customer Experience

Positive experience49.6% of reviews
Neutral3.2% of reviews
Negative experience47.2% of reviews

~ Based on 284 written reviews from the US App Store.

What users say about Upstart

Is Upstart Safe?

Upstart: Personal Loans + More appears safe based on user ratings. AppsHunter Safety Score for Upstart is 98/100.

This assessment is based on 48,554 user ratings, with an App Store average of 4.9/5.

Safety Analysis

97.5% of ratings point to a safe experience
0.8% of ratings suggest some concerns
1.7% of ratings point to a risky experience

~ Based on 48,321 App Store ratings for Upstart.

Is Upstart Legit?

Upstart: Personal Loans + More appears to be a legitimate app. AppsHunter Legitimacy Score for Upstart is 88/100.

Based on 88 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Reliable, fast and secure

It is very Reliable, fast and secure

Did not receive help

Only harvested my data for profit and denied me like the rest of them. When I make it, I’m calling out every single one of these companies for not helping me when I needed it the most. Good day.

Steal ur info dnt believe it bro they won’t get u a fall or

Dnt recommend this to my worst enemy pa

Don’t use this app

⭐☆☆☆☆

I had a very frustrating experience with Upstart. I received my loan funds, but the following day, I discovered that my loan was marked as “Paid in Full” after I accidentally accepted the full-payment option while navigating the app/website.

I feel the payment options and notifications should be much clearer, especially when a single mistake can have such a significant financial impact. Customers should be given clear explanations and confirmation before authorizing a full loan payoff.

I contacted support to seek a resolution, but this experience has seriously affected my trust in the company. I hope Upstart reviews its payment process and makes it easier for customers to understand exactly what they are authorizing before confirming a transaction.
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My car

Upstart 5⭐️

Great app

Love the as pp

Truck payment

Sometimes it works for a while then other times it doesn’t work

I don’t recommend

Very high apr not helpful when you need them. Great app that’s about all.
Obvious money grab. Like all these companies. They are not here to help you. They are here to make money off of you. Don’t take their loan. And they charge some bs fee for transferring money to your account at the very begging. That transaction cost is usually 0.25 cents. They charge hundreds of dollars. Nasty business. Bad quality.
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Saved me

I really was short on cash to get myself even. I was approved and had the money the next day! A life savor

New updates

The link is not opening in the app, it keeps stating expired. Went back and tried three times. Please check the backside of the site and or refresh on your end. Thank you

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.

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. 😊

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

Nope doesn’t connect

Kicks out the app when you try and connect to bank

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!!!

Messy and Unhelpful

I am expanding my business and I've always been a sole proprietor, so I did not have business credit and saw a great deal on a private sale of equipment. I had the money in hand but knew I would need it for other odds and ends before we opened. Upstart promised a quick review turnaround, which it then stalled. Though I gave them access to my bank account showing that I had more than double the funds I was requesting and about double going into my account every month, and a modest but not awful credit score, for some reason I was not met with an immediate acceptance so I called them to see what was going on. They told me I would need to somehow produce my university diploma for their "best rate" which is what, 35%? Their phone stuff seems very un knowledgeable and unprofessional and I found this to be laughable as an elder millennial; my grad year starts with "oh." I have never needed anything like this for anything, and my actual diploma was lost in a basement furnace incident years ago. To suddenly need to pull this out of thin air for a $4k loan is insane; I didn't need anything like that for my brand new 2026 truck, but I need it somehow for a Best rate of 35% for $4000? I don't understand how this could be any kind of debt or loan consolidation for anyone at this rate. It is predatory, and the only reason I considered it is because it was a Sunday night and I thought I could get it done fast and easily, and I know I have the means to pay it off easily. Many don't... Which makes this really sketchy.
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Can NOT delete account NOR Info.

I wouldn’t say there’s anything special about this app then another. However upon first use like other apps I was sure I’d be able to delete at the bare minimum my personal from the account whenever I was done. But you can’t, at least I haven’t found a way. You also can’t deactivate or delete your. But you feel “real safe” after they tell you, you can’t close the account but it remains inactive until you use it again. Your information is safe with us. (Like I didn’t know, IF I DON’T OPEN THE APP THE ACCOUNT WILL BE INACTIVE) Really?😂
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Customer service

It is next to impossible to verify phone calls from Upstart. The customer service representatives are not professional. They don’t understand the huge risk and receiving calls from unknown numbers. They don’t understand that verification through email can help and it has been difficult to know what is a real call from Upstart versus fishing. The email details the phone calls nothing appears to match and it is very hard for customers to know the difference.
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Review

To high interest and payments

Read fine print

The rep was amazing and the process was easy buuuut we discussed 15.9% and the actual rate is 25%