Founded by ex-Googlers, Upstart looks beyond the FICO score to assess borrowers based on work and education history. Whether you are looking to pay off credit cards, refinance existing debt, or make a large purchase, Upstart can help you get the rate you deserve. Check your rate in minutes without affecting your credit score.
Don't shop rates and expect a loan
I applied online for a purchase and was gonna pay off a couple cards. FICO score was 821. Applied to Upstart and 1 other lender. Upstart called me the following business day to say I was approved and to go online, look at the terms and sign the promissory note. I did just that and immediately got a denial because there was another hard inquiry on my report from the other company. I called them and they said I would have to prove that I hadn't taken a loan with the other company or reapply in 30 days. It made my decision easy, other lender had approved me and didn't play this gam****.Thanks for nothing but wasting my time.