Upstart
upstart.com
AI lending platform for consumer credit decisions.
Quick Information
- Category:
- Finance & Accounting
- Pricing:
- Paid
- Platforms:
- Web
- Free Plan:
- No
- API Available:
- Yes
- Last Verified:
- October 2026
What Is Upstart?
Upstart is an AI lending platform for consumer credit decisions, connecting borrowers with bank and credit union partners. The search found plenty on the borrower side but nothing on what Upstart charges its lender partners, so that part is unanswered and would be in Upstart's investor or partner disclosures. For personal loans, most 2026 reviews give a fixed APR range of about 6.2% to 35.99%, loan amounts from $1,000 to $75,000 and 36- or 60-month terms. The origination fee is listed as 0% to 12% and is deducted from the loan amount before funds are disbursed, though Bills.com says the origination fee range is not published, so the 0 to 12 figure comes from secondary sources.
Representative examples vary: one WalletHub example uses an 8.51% origination fee (an earlier edition 7.82%), while Bills.com cites a 7.25% origination fee producing a 21.23% APR. Late fees are the greater of $15 or 5% of the past-due amount, with no prepayment penalties. One estimate, from Global Loan Advisor in April 2026, ties the fee to credit profile, with 0% to 2% for excellent credit and 10% to 12% for poor credit, but that is an estimate, not an official schedule. Upstart also offers a HELOC. This is not financial advice: compare offers and read the APR and fee disclosures before borrowing.
Upstart suits borrowers with thin or limited credit history who may do better under AI-based underwriting, and lenders looking for an underwriting model. Compare Zest AI, Cleo and Monarch. Browse the Finance & Accounting tools directory for more.
What Can You Use Upstart For?
Personal loans
AI underwriting.
HELOCs
Reported.
Upstart Features
- AI-based credit decisions — Beyond credit score.
- Fees deducted from loan — Origination.
- No prepayment penalty — Reported.
Who Is Upstart For?
- Borrowers with thin credit files — Alternative underwriting.
- Banks and credit unions — Lending partnerships.
Upstart Pros & Limitations
What We Like
- Alternative underwriting
- No prepayment penalty
- Wide loan range
Limitations
- Origination fees can reach 12%
- APR up to 35.99%
- Partner-side fees undisclosed
Upstart Pricing
| Plan | Price | Main Features |
|---|---|---|
| Personal loan (borrower) | APR about 6.2%-35.99%; origination fee 0%-12% | $1,000-$75,000; 36 or 60 months; no prepayment penalty |
| Late fee | Greater of $15 or 5% of the past-due amount | Borrower side |
| Lender partner fees | Not found in these results | Check partner disclosures |
Pricing was last verified October 2026. Check the official website for the latest pricing.
AI Listing Jungle Ranking
- Global Rank:
- #342
- Overall Score:
- 70.2/100
- Monthly Users:
- –
- Rank Change:
- ▲ 1199
This ranking reflects AI Listing Jungle's own independent scoring methodology and is not an endorsement by Upstart or its company. How Our Rankings Work
Frequently Asked Questions
What APR does Upstart charge?
About 6.2% to 35.99% on personal loans.
What is the origination fee?
Reported 0% to 12%, deducted from the loan.
Is there a prepayment penalty?
No.
What do lenders pay?
Not found in these results.
Our Take
Upstart can help borrowers a score alone might miss.
Compare the APR and origination fee carefully.
Upstart Alternatives
Upstart Comparisons
Ready to try Upstart?
Visit the official website to get started.
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