Upstart Review: Is It The Right Loan Servicing Software For Your Team?
Best for SMB teams · Mid-market · Enterprise
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Upstart offers custom pricing plan
Overview
Pricing
Features
Alternatives
Security & Compliance
Support
FAQ
Blogs
What is Upstart?
Upstart is an AI-powered lending platform that uses machine learning to evaluate borrower creditworthiness beyond traditional credit scores, offering personal loans and auto refinance options through a network of bank partners. Unsecured personal loans in Maryland and Nevada are originated by Cross River Bank, an FDIC-insured New Jersey state-chartered commercial bank. Auto refinance loans are not available in Iowa, Maryland, Nevada, or West Virginia; in Illinois and Missouri they are originated through Cross River Bank or Midwest BankCentre.
Pricing
Upstart offers custom pricing plan
Best For
Suited for solo users, small teams, SMBs, and enterprise
Security & Compliance
Data residency:🇺🇸
Platform
Browser Based (Cloud)
Desktop only — no mobile app
Upstart was reviewed internally using user feedback, in-house testing, and market research to assess its performance, reliability, and user experience. Learn how we review products and our evaluation process.
Who should consider Upstart
- Use cases
- Personal loan providers, Financial institutions, Online lending platforms
- Team types
- Loan officers, Credit risk analysts
- Company size
- Small Business, Large Enterprises
- Workflow style
- Flexible and configurable
- Setup complexity
- Medium
Why teams choose Upstart
Personalized loan options based on financial profiles
Access to a network of trusted bank partners
Innovative approach to unsecured personal loans
Is Upstart right for you?
Best for personalized unsecured loan solutions via bank partnerships.
Choose Upstart if
- You need tailored loan options based on individual financial profiles.
- Your organization values innovative approaches to unsecured personal lending.
- You want access to a network of trusted bank originators.
Consider alternatives if
- You require transparent, fixed pricing details upfront.
- You depend heavily on extensive user reviews and detailed feature documentation.
Upstart pros and cons
- Upstart pros
Personalized loan options based on financial profiles
Access to a network of trusted bank partners
Innovative approach to unsecured personal loans
- Upstart cons
Limited publicly available pricing information
Low number of user reviews and ratings
Ready to try it?
Get started with Upstart
Connect with the team for a personalised demo.
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See how it stacks up
Compare Upstart side-by-side with top Loan Servicing Software alternatives.
What is the pricing of Upstart?
Upstart uses custom pricing — plans are tailored to your team size and needs. Contact them for a quote.
Upstart Pricing Plans
Weighing your options?
Not sure if Upstart fits your budget?
Upstart reviews and ratings
Buyer sentiment
Limited user feedback with mixed ratings and scarce detailed reviews.
What buyers like
- Personalized loan offerings
- Innovative lending approach
- Bank partner network
Common complaints
- Lack of pricing transparency
- Insufficient user reviews
Are you using Upstart?
- See if Upstart fits your business
- Real pricing — no sales pressure
- A demo or quick answers, your call
Step 1 of 4
How big is your team?
We tailor recommendations to companies your size.
What are the features of Upstart?
Loan management is a key feature of modern loan servicing software that allows financial institutions and organizations to effectively manag…
Trading money electronically is known as online payment. Computer networks, the internet, and digital stored value systems are commonly used…
Upstart security and data handling
Key compliance certifications and security features for IT and security teams evaluating Upstart.
Certifications
Developer & data
Alternatives to Upstart
Upstart Support Options
Frequently Asked Questions About Upstart
Common questions buyers ask before choosing Upstart.
Upstart is a Loan Servicing Software. Upstart offers Loan Management and many more functionalities.
Upstart is a strong fit if: You need tailored loan options based on individual financial profiles.; Your organization values innovative approaches to unsecured personal lending.. Consider alternatives if: You require transparent, fixed pricing details upfront.; You depend heavily on extensive user reviews and detailed feature documentation..
Buyers commonly note the following limitations of Upstart: Limited publicly available pricing information; Low number of user reviews and ratings; Unclear details on specific loan servicing features.
Some top alternatives to Upstart includes Lien waivers, SoFi, CREDITONLINE, DocCredit and FastLien.
Upstart offers Quotation Based pricing model
The starting price is not disclosed by Upstart. You can visit Upstart pricing page to get the latest pricing.
Ready to try it?
Get started with Upstart
Get connected with the team for a personalised demo.
About the reviewer
Rajat Gupta is the founder of Spotsaas. Over the past two years, he has reviewed 2,000+ tools across CRM, HR, AI, and finance — applying hands-on product research and a background in commerce and the CFA program to evaluate software through a business and ROI lens. His goal: help teams make software decisions they won't regret.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
