# Upstart vs Shortfall

The clearest difference is in-app purchases: Upstart at none against Shortfall's 1. Upstart also leads on ratings volume (47K vs 1) and chart position (#66 vs unranked). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Shortfall sells 1 one-off in-app purchase. Upstart asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for Upstart against 5.0 for Shortfall. That said, the two scores are not equally well evidenced: Upstart has 47K ratings behind it against 1, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 23, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Upstart | Shortfall |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (47K ratings)](https://appshunter.io/ios/app/upstart-personal-loans-plus-more/id6450968733/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/shortfall-paperwork-check/id6763161521/reviews)** |
| Number of ratings | **47K** | 1 |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#66** | — |
| Size | 98 MB | 4 MB |
| Requires iOS | **16.0** | 26.0 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Upstart Network, Inc.](https://appshunter.io/developer/1694510138) | [Steven Knauss](https://appshunter.io/developer/1877190883) |

## What reviewers say

### Upstart

[App page](https://appshunter.io/ios/app/upstart-personal-loans-plus-more/id6450968733)

**Currently charting:** #66 Top Free · Finance (US App Store)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Convenient app
- 👍 Quick loan approval
- 🚀 Fast loan disbursement

**What reviewers complain about**

- 🐛 Login issues
- 💰 High interest rates
- 🕰️ Slow payment processing
- 🤔 Unclear approval criteria
- 🤨 Unethical business practices

**Reported bugs**

- Login with Apple feature broken
- Inconsistent payment tracking
- Inability to remove linked bank accounts

**Requested features**

- Faster payment processing
- Improved login experience
- Android app availability
- Estimated payoff date display


### Shortfall

[App page](https://appshunter.io/ios/app/shortfall-paperwork-check/id6763161521)

This app helps car buyers avoid hidden fees by scanning contracts and flagging charges higher than typical for their state. It provides a free initial audit and an optional one-time purchase for unlimited use and advanced features like tracking dealer revisions.

**Highlights:** Scan car contracts with camera or PDF, Flag fees higher than typical for your state, Analyze interest rates and doc fees, Track dealer contract revisions, Check Kelley Blue Book trade-in values, Private by design, no account needed

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Audits | $4.99 | one-time |


## Frequently asked questions

### Is Upstart free?

Upstart is free to download, with no in-app purchases.

### Is Shortfall free?

Shortfall is free to download, with in-app purchases available.

### Which has better reviews, Upstart or Shortfall?

Shortfall is rated higher. Upstart averages 4.9 out of 5 from 47K ratings, while Shortfall averages 5.0 from 1 ratings.

### Do Upstart or Shortfall have ads?

Neither Upstart nor Shortfall shows ads.

### Which is updated more often, Upstart or Shortfall?

Upstart ships an update every 2 weeks, and Shortfall every 2 weeks. Most recently, Upstart was updated on October 23, 2026 and Shortfall on October 20, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*