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Upstart AI-Powered Personal Loan

About Upstart Personal Loans

The Upstart AI-Powered Personal Loan from Upstart is one of the top-rated Personal Loans options evaluated on MoneyCompared, earning an overall product score of 9.1/10. Upstart (NASDAQ: UPST) is the leading AI lending marketplace in the United States, partnering with 100+ banks and credit unions to approve personal loans ($1,000-$50,000) and auto refinance loans by evaluating education, employment, and cash flow alongside traditional credit scores.
Key highlights include 7.80% - 35.99% Fixed APR, a fee structure of 0% - 12% Origination Fee, and Instant AI decision for 90% of applicants + 1-day funding.

Features

Annual Fee	0% - 12% Origination Fee
Regular APR / Rate	7.80% - 35.99% Fixed APR
Intro Offer / Welcome Bonus	Instant AI decision for 90% of applicants + 1-day funding
Savings APY / AER	Evaluates education and employment in addition to FICO
Minimum Deposit	$1,000 - $50,000 Loan Amounts
Foreign Transaction Fee	$0 (None)
Deposit Insurance	FDIC / NCUA Insured ($250k+)
Mobile App Rating	4.8 / 5.0
Overall Rating	9.1 / 10

About Product

Annual / Monthly Fee: 0% - 12% Origination Fee
APR / APY Rate: 7.80% - 35.99% Fixed APR
Intro Offer / Bonus: Instant AI decision for 90% of applicants + 1-day funding
Key Benefits: Evaluates education and employment in addition to FICO
Minimum Requirement: $1,000 - $50,000 Loan Amounts
Institution: Upstart (San Mateo, CA, USA)

Pros

Rate / APY / APR: 7.80% - 35.99% Fixed APR
Fee Structure: 0% - 12% Origination Fee
Welcome Offer / Highlight: Instant AI decision for 90% of applicants + 1-day funding
Key Perks: Evaluates education and employment in addition to FICO

Cons