Upstart User Reviews

Customer Experience

Positive experience49.0% of reviews
Neutral2.9% of reviews
Negative experience48.2% of reviews

~ Based on 245 written reviews from the US App Store.

What users say

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 41,480 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 41,480 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

Instant Cash

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

Rude

They help only if they feel like it

Great

Excellent work with this team

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

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

Personal debt consolidation loan

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

NOPE!

took personal information then can’t help. And not many options on account menu. Seems fishy.

Personal info scam

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

Loan

My credit score is 800+ and yet the offered me personal loan for 30% apr

Horrible

Waste of my time. Denied denied denied, They need to be more transparent about their approval process. Very frustrating and not helpful at all.

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….. 👎👎👎👎👎👎👎👎👎👎👎

Loan for emergency

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

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!!!!!

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.

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

Name recognition but overall scammers

As the title says scammers and don’t have the courage to be honest with its customers. The cash line option is a scam. Stealing from American population. There not there to help but to scam like other lenders. Might as well be a tribal lender

Loan with you 💕

Thanks for the opportunity,fast,efficient,the best

Was a good lender

I found this company online in time of need before they had an app. Life happened and this was sent to collections and written as a charge off on my credit report. I have paid the collection with Velocity Investments and informed Upstart of this. I also asked many times that they update my dashboard now that the account is paid for. It wasn’t difficult to acquire funding in the past, but no matter what I do I continue to get denied.
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High interest rate

Options for refinance or to lower rate I have excellent monthly payments on time when I asked to refinance rates to Steal high

Was Asked to Contact Helpdesk via Email or Phone - NOT HELPFUL

After the update today 07/27/2026 I am still unable to use the app. The developer response for my initial review was to contact support via email or their phone number. I tried email first and received a generic, unhelpful response. Why have the application if I cannot use it and have to use your desktop site? The app worked just fine until mid July. Calling their phone number? Forget it because it’s all automated and you cannot get past, even saying “technical support” or “application support”.

Please figure this out, it is very frustrating!!
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