Reviews of Upstart: Personal Loans + More

By: Upstart Network, Inc. App

List of user reviews and ratings for Upstart: Personal Loans + More

Total ratings

4.90 (Rating count: 42,173)

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Review summary

User sentiment is mixed. Many praise Upstart for speed, helpful support, and options for people with bad credit, including quick funding after approval and repeat usage. However, a cluster of recurring problems undermines the experience: login problems, malfunctioning payment flows and incomplete balance updates, broken links in emails, and confusing communications about loans and credit checks. Some reviews allege predatory practices or denial of credit despite low scores. Overall, Upstart is usable for some, but reliability and transparency concerns are common.

Pros

Fast and easy application process
Helpful customer service
Good option for rebuilding or low credit
Funds are processed quickly after approval
Repeat customers report reliable service over years

Cons

Login/sign-in issues on iPhone and other devices
Payment issues: balance not reduced after payment; inability to make partial payments; broken payment links
Broken communications and misleading links / confusion with Pathward
Perceived predatory lending and frequent loan denials for low scores
Inability to adjust due dates or repayment schedules within the app/website

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User Reviews

Recent rating average: 3.80

All time rating average: 4.90

Upgrade to see all 116 reviews

45% (52)

Date	Author	Comment
2026-08-25	Mi*****	Great customer service, quick and easy
Great customer service, quick and easy
2026-08-23	Hi*****	Great option to have for quick loan . I desperately needed money for car repairs and they came through. Easy pay back options and all . Highly recommend
Great option to have for quick loan . I desperately needed money for car repairs and they came through. Easy pay back options and all . Highly recommend
2026-08-19	JR*****	Got a couple of loans through upstart , quick easy and painless !!!
Got a couple of loans through upstart , quick easy and painless !!!
2026-08-18	a *****	To be transparent, the app itself isn’t the worst for managing payments. It’s the fact that if you make an attempt to apply for ANYTHING, or do anything apart from making payments you WILL have your info sold to telemarketers. I’ve had up to 10 spam calls a day specifically for “loan offers” No exaggeration.
To be transparent, the app itself isn’t the worst for managing payments. It’s the fact that if you make an attempt to apply for ANYTHING, or do anything apart from making payments you WILL have your info sold to telemarketers. I’ve had up to 10 spam calls a day specifically for “loan offers” No exaggeration.
2026-08-18	Le*****	You get get a loan but watch them interest rates know how to do basic math , but I love them , patient kind and good lenders in your time of need
You get get a loan but watch them interest rates know how to do basic math , but I love them , patient kind and good lenders in your time of need
2026-08-16	Al*****	It’s so easy to apply and i got approved in minutes.
It’s so easy to apply and i got approved in minutes.
2026-08-15	An*****	They help only if they feel like it
They help only if they feel like it
2026-08-13	Ye*****	Excellent work with this team
Excellent work with this team
2026-08-13	Mi*****	Every time I try to apply for a loan. It will connect to my bank account then it sends me to the Walmart app
Every time I try to apply for a loan. It will connect to my bank account then it sends me to the Walmart app
2026-08-12	Po*****	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 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