Upstart vs Shortfall

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.

Buying a car this week? Don't sign until Shortfall reads the paperwork. Car dealers know most people won't study the contract. That's where the extra charges hide. Shortfall reads the paperwork on your phone and flags every fee that's higher than typical for your state. One free audit included, then a one-time $4.99 in-app purchase unlocks unlimited future audits. No subscription. WHAT'S FREE, WHAT REQUIRES THE $4.99 UNLOCK Free, no purchase required: • Your first full contract audit — complete verdict, every flag, full Walkaway Card share • Your first Four Square Decoder round — back-solved interest rate and verdict • Checking Kelley Blue Book trade-in values and saving the numbers — always free, no cap Requires the one-time $4.99 in-app purchase: • Every contract audit after your first • Capturing revisions when the dealer rewrites the numbers at the desk • Every Four Square round after Round 1 (for the same negotiation or a new one) • Saved audit history across all future car purchases HOW IT WORKS Scan the contract with your camera or import the PDF. In about a minute, Shortfall pulls out the price, interest rate, doc fee, warranty, GAP insurance, and every add-on, and compares each one against what car buyers in your state usually pay. You walk into the dealership knowing: • Whether the doc fee is legal (17 states cap it) • Whether the interest rate matches your credit • Whether GAP and the extended warranty are marked up • Whether the monthly payment actually adds up Every flag reads in plain English — "$300 above typical for your state" — not a judgment. You decide what to push back on. STUCK IN THE FINANCE OFFICE? The Four Square Decoder figures out the interest rate from the monthly payment, even when the salesperson "forgets" to write it on the page. Round 1 is free. Capturing each revision they hand you after that requires the one-time $4.99 unlock — so when they rewrite the numbers, Shortfall shows exactly what moved. TRADING IN? (ALWAYS FREE) Shortfall opens Kelley Blue Book right in the app so you can look up your trade-in range yourself. Save the numbers — when the dealer throws out a low offer, you have something to check against. No in-app purchase required for the trade-in tool. PRIVATE BY DESIGN • Everything runs on your phone • No account, no email, no cloud • We don't sell your data because we never collect it Works in all 50 US states. Every benchmark cites its source, and you can check and correct any number Shortfall reads from your contract before it's compared. Pricing: the app is free to download with one free contract audit and one free Four Square decode included. A single one-time $4.99 in-app purchase unlocks unlimited future audits and capturing every dealer revision. No subscription, no recurring charges. Requires iPhone 15 Pro or newer. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/