Upstart - San Mateo, California

Kimmy M.

Never use Upstart Network Inc. to get a loan. This company will charge you an origination fee of over $1,300.00, plus interest, plus late fees on top of daily interest! Stay Away! I will never ever use this company again. Plus I called over 7 times to come to a. Agreement and got no where. Wanted to pay off the loan in full then come to find out all these additional fees. Please take my advice and never use this company. You’ll thank me later.

Anthony K.

They will promise you the moon and show you the gutter. This company gave me a loan that I payed completely. Due to a recent illness I reached out to them once again. We'll I guess you pay one loan off they are done with you. In this time of economic uncertainty you would think they have a heart but no just a cold stone in it's place. As being retired I will write how I feel about this company many more times. Thanks for nothing. UPSTART.

Crystal B.

I feel that Upstart has used predatory/dishonest practices. I refinanced my loan I had with them. They made the new lender mail them a payoff check vs pay electronically like almost all of my other creditors allowed. Checks were supposed to be processed within 7-10 business days. They waited until business day #15 to post the payment (which is the very last day my new lender said we had to wait through before launching an investigation). Due to them taking so long to post the payment, I had to make an extra unexpected $938.08 payment to them to prevent my account having a recorded missed payment with late fees. My new creditor had sent the the full 10-day payoff amount, but because they waited so long to actually post the payment, they are withholding an extra $436.16 for additional interest charges from the extra payment I was forced to submit. I feel they intentionally and predatorily waited to apply the payoff payment until the very last day they possibly could without triggering an extra investigation from my new lender. All to get as much interest out of me as they could snake. I feel victimized. I have tried contacting them about this, with zero response. Additionally, they have yet to initiate a refund to me of the (only) $501.92 they say I have overpaid by.

youngmin L.

Don't use it. Applying for the loan will flood your inbox with spam. There's no personal information protection. They share my personal information all around the world. It's scam. We should sue them

R W.

I sent an overnight check in the amount of $39,744. They outsourced the payoff processing so they claim they cannot even talk with, or email them. They had an employee reach out and ask if she could get payment for the payment in November, two and a half weeks away, when I sent them a check to payoff the entire loan. She said they wanted to be sure to get it because she thinks they lost the check that was signed for and is in their building. I have spent 6 nightmarish days with no one helping. I've never seen a company that is run so badly and uncaring. Not one manager has reached out and I have gotten to the point of needing to email their leadership team with no response at all. I would tell you never, never use this company. $39,744 is a lot of money but not one person has shown any compassion for them losing the check and not processing the payoff.

Upstart was the processing partner with Alliant Credit Union in this banking transaction, so they are just as reliable for what happened and showed they didn't care about what had happened. Now, when I overpaid them by $985, they claim it takes them 30 days to refund it? This is a credit union? Don't just trust my review, look at what others say about how bad this credit union is. I didn't choose them, my personal loan was sold to them. In the future, I will use local banks and credit unions that care about customer service.

Charlie K.

I have supplied all the required documents for a small loan last week. Very poor response time on looking for an update. Supposed to be quick, been left hanging for almost a week for a 1,600 dollar loan. Good credit and steady income, so what's the problem And yet I trusted enough to give them access to my bank account right away. For what?

Antonio S. E.

Great customer service, always responding to all of my questions regarding my loan and I just paid off a 5-year loan in less than 1-year. Also Upstart gives you a reasonable rate with a good affordable payment plan. There's really nothing I can complain about except for the origination fee.

Carolanne W.

Stay away from Upstart — I wish I had come to Trustpilot and the BBB first before applying. It looks like most of the positive Google Reviews are from about five years ago — before Upstart was bought by another company, according to another review.

In short, this company offered me a loan at over 30% interest — it's a worse rate than a credit card. When I asked for my application and information to be deleted, they told me it was impossible — even though I never accepted the loan. So be prepared to have all your financial information held by Upstart forever.

Want to talk with a human? Be ready for long wait times and a complete run around. Just to find a phone number to call is a major hassle. Then everyone is working from a script and repeats the same information, even though it doesn't have any relevance to the question.

When asked how long they need to hold onto your information before it can be deleted, they respond that they have already answered (they haven't) and will not reply any further.

Terrible company and experience.