Upstart Personal Loans stand out for their flexibility and quick approval process, offering a fast solution for those in need of funds—no matter their credit history. With annual rates ranging from 6.5% to 35.99%, you can borrow between R$5,500 and R$410,000, with terms spanning 36 or 60 months. Upstart is ideal for applicants with limited or no credit history, as qualification relies on more than just your credit score.

How to apply for Upstart Personal Loan

Applying is straightforward: fill out a simple online form, verify your details, and submit. After an initial check, you’ll get a decision quickly. Once approved, you’ll accept the loan agreement, and the money could be transferred to your account by the next business day.

Pros of Upstart Personal Loan

The key advantages are clear: applicants with little or no credit can qualify, and you’ll benefit from a fast and mostly digital process. There are no early repayment penalties, allowing you to save on interest if you pay off the loan earlier.

Cons of Upstart Personal Loan

On the downside, late fees can be steep, and there’s a potential origination fee ranging from 0% to 10% of the loan amount. Additionally, a small cost applies for paper copies of the agreement.

Our verdict

If you value quick approval and need access to funds regardless of your credit history, Upstart is a robust choice. The transparent terms and flexibility make it suitable for many profiles, though fees warrant careful consideration.