Upstart Lending

Your education and experience help you get the rate you deserve

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Upstart goes beyond the FICO score to offer personal loans. The company's proprietary underwriting model identifies high-quality borrowers despite limited credit and employment history by using variables including schools attended, area of study, academic performance, and work experience. Upstart offers 3-year and 5-year fixed interest loans, and are primarily used to pay off credit cards, consolidate debt, eliminate student debt, start a business, or pay for a personal development bootcamp.

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