Upstart review
Updated October 14, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Upstart says checking a rate uses a soft inquiry.
Key facts
- Best for
- US applicants checking when Upstart may use soft and hard credit inquiries
- APR
- from 6.52%↗
- Arrangement fee
- No hidden fees↗
- Funding time
- Next day funding↗
- Lender type
- Marketplace↗
- Loan types
- Personal, Debt-consolidation, Credit-line↗
- Legal entity
- Upstart Holdings, Inc.↗
- Headquarters
- United States↗
- Founded
- 2012↗
- Official website
- upstart.com
Mortgages
- Fixed period
- 3 to 5 years↗
Facts checked October 13, 2026, 3 sources
Eligibility
Upstart says checking a rate uses a soft inquiry. Continuing with an application or accepting an offer may lead to a hard inquiry; the page does not promise approval or a particular rate.
How Upstart compares
8.8 vs 9.0
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 8.5
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 8.7
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.7
8.8 vs 9.2
8.8 vs 8.7
8.8 vs 9.3
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.1
8.8 vs 8.9
8.8 vs 8.9
8.8 vs 9.2
8.8 vs 9.0
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.9
8.8 vs 8.3
8.8 vs 9.5
8.8 vs 9.5
8.8 vs 9.4- 8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.9- 8.8 vs 8.8
- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.4
8.8 vs 8.2
8.8 vs 8.1
8.8 vs 8.0- 8.8 vs 8.0
Where Upstart is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which company operates Upstart?+
Upstart is operated by Upstart Holdings, Inc.. (Source, checked September 26, 2026)
Where is Upstart based?+
Upstart is based in United States. (Source, checked September 26, 2026)
When was Upstart founded?+
Upstart was founded in 2012. (Source, checked September 26, 2026)
Sources
- web.archive.org/web/20261013184633/https://www.upstart.com checked October 13, 2026
Backs: APR, Funding time, Lender type, Loan types, Arrangement fee
“Rates as low as 6.52% APR**”
- en.wikipedia.org/wiki/Upstart_Holdings checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founded April 2012; 14 years ago (2012-04)”
- flexoffers.com/affiliate-programs/upstart-personal-loans-... checked September 26, 2026
Backs: Fixed period
“Flexible Terms: Applicants can choose between 3- or 5-year fixed-rate terms.”
Compiled from 3 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Loan amount, Term, Credit check, Representative example.
Upstart
US applicants checking when Upstart may use soft and hard credit inquiries