Upstart Alternatives

    Upstart is described as 'A smarter loan. You earned it. Upstart is an online lending platform that uses data to bring together high potential borrowers and investors'. There are eight alternatives to Upstart, not only websites but also apps for a variety of platforms, including iPhone, Android Tablet, iPad and SaaS. The best alternative is LendingClub. It's not free, so if you're looking for a free alternative, you could try Karrot or Earnest. Other great sites and apps similar to Upstart are FundMore.ai (Paid), CommonBond (Free), Vouch (Free) and On Deck (Paid).

    This page was last updated May 18, 2021

    1. We’re transforming the banking system to make credit more affordable and investing more rewarding. We operate at a lower cost than traditional bank lending programs and pass the savings on to borrowers in the form of lower rates and to investors in the form of solid returns.
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      • FreeProprietary
      • Online
      Get Personal Loans Online in Minutes Karrot offers quick, online personal loans up to $35,000 with 36- and 60-month payment terms and fixed rates as low as 6.44% APR for the life of the loan. Find out your rate in minutes and have the funds in your bank as soon as tomorrow!
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      • FreeProprietary
      • Online
      Earnest is a technology enabled lender that evaluates a person’s full education, employment, and financial profile.
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      • Online
      • Software as a Service (SaaS)
      FundMore-ai is an automated underwriting system that uses machine learning to streamline the pre-funding process for loans.
    2. CommonBond provides online lending that makes education finance better.
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      • FreeProprietary
      • Online
      • Android
      • iPhone
      • Android Tablet
      • iPad
      With Vouch loans you are more than a credit score, because you create a network of people who sponsor you. Sponsor people you trust and invite people to sponsor you. When people sponsor each other they can help each other get better loans.
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      • Online
      Launched in 2007, OnDeck connects Main Street businesses – such as restaurants, retailers, and other service providers – directly to capital.
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      • FreeProprietary
      • iPhone
      Affirm offers easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.
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    Showing 8 of 8 alternatives