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Upstart Personal Loan Review 2022

Upstart underwrites personal loans to borrowers with fair to excellent credit. While their minimum credit score is 620, they have a unique model to help qualify borrowers with fair credit, short credit history, and large income.
Daniel CohenFeb 1, 2022
Editor’s Note
Advertising Disclosures

At, we strive to help you make financial decisions with confidence. While many of the products reviewed are from our Service Providers, including those with which we are affiliated and those that compensate us, our evaluations are never influenced by them.

Best for fair credit but on the upswing

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Overall rating:
4.5 rating
Fixed APR7.98 - 35.99%
Loan Amounts$1,000 - $50,000 Varies by state
Repayment36 - 60 months
FeesOrigination fee: 0% - 8%, late fees.
Time to fundNext business day after accepting the loan.
Min. Credit Score620
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  • Flexible credit and qualification requirements.
  • Offer low dollar amounts.
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  • High fees.
  • No co-borrowers.
  • High rates.