Upstart.com Login – My Offer Code, Refinance, & Reviews

Upstart offers personal loans to borrowers with low credit scores or thin credit records.

Hence, they don’t offer joint, co-signed, or secured loans.

However, they use data like college education, job history, and residence to qualify borrowers.

In this article, we will be telling you all you need to know about Upstart.

Hence, be sure to read through to get every info you need.

Now, let’s get started.

Upstart.com

What is Upstart?

Upstart offers personal loans to borrowers with low credit scores or thin credit records.

Hence, they use data like college education, job history, and residence to qualify borrowers.

Upstart login

Follow these steps below to log in to your Upstart account:

  • Visit upstart.com on a browser.
  • Next, click on the menu bar and select “LOG IN”
  • Now, enter your email address and password.
  • Then, click on “LOG IN” and you’re done.

However, if you’ve forgotten your password, follow these steps:

  • Click on “Forgot your password?”
  • Now, enter your Email address and click on “SUBMIT”
  • After that, follow the on-screen prompts to complete the process.

Hence, if you need a new confirmation email, follow these steps:

  • Click on “Need new confirmation email?”
  • Now, enter your email address and click on “SUBMIT”
  • After that, follow the on-screen prompts to complete the process.

On the other hand, if you haven’t gotten unlock instructions yet follow these steps:

  • On the login page, click on “Didn’t receive unlock instructions?”
  • Now, enter your email address and click on “Submit”
  • After that, follow the on-screen prompts to complete the process.
ALSO READ:  $40,000 American Express Personal Loan (Pre-Approved Offer)

Pros & Cons of Upstart

Pros

  • Accepts those new to credit.
  • Fast funding.
  • Ability to change your payment date.
  • Access to pre-qualify with a soft credit check.
  • Offers free financial education.

Cons

  • Origination fee.
  • No joint, co-signed, or secured loans.
  • No mobile app.
  • Access to only two repayment term options.

Upstart Reviews

Below are some reviews from Upstart and what the blogging industry has to say about the offer:

“Was very easy to apply. Information was straightforward and easy to understand. The process of the application was easy and took less than 10 minutes to complete”. Vincent

“It was very easy to apply for a loan

No stress on uploading any documents”. Kelly

“Amazingly fast. Very reliable”. LABAY/NENITA QUIJANO

“Easy to use and quick to respond”. Diana

“I have done multiple loans through Upstart. It is always a quick and easy process. Payment system is easy to navigate. I have never had any issues working with them”. Hawley

“I have had 2 loans through Upstart in the past few years. Super easy application process and rates are fair. You get your money fast!” Jami Thompson

“Accessibility, ability to choose from several different loan options, fair offers, secure transactions, and quick responses.” BDCP

“I am happy with the process and I hope it remains easy and accessible through the life of this loan. Looking forward to a good communication experience”. Elena

“Application verification protocols are superb. Timely approval was welcome, all application questions were clear. They communicated what was happening at every step of the way. Very timely and convenient”. Dan

ALSO READ:  Enterprise Water Works Board (Al) Login, Bill Payment & Customer Support

How to qualify for an Upstart personal loan

To qualify for an Upstart personal loan, you must:

  • Be a U.S. citizen.
  • Be at least 18 in most states.
  • Must have a valid email account.
  • Have a valid name, date of birth, and Social Security number.
  • Must have a full-time job or be starting one within six months.
  • Have a bank account.

Upstart.com My Offer Customer Service

You can contact Upstart.com My Offer Customer Service on the following:

Local: 650-204-1000

Toll-Free: 1-855-438-8778

On the other hand, you can send a mail to:

Upstart Operations Dept.

P.O. Box 1503

San Carlos

CA 94070

Upstart Hours of Operation

The customer service hotline is available on Monday to Friday from 6 AM – 5 PM PST.

Hence, on Saturday and Sunday, they are available from 6 AM to 5 PM PST.

However, they are closed during federal holidays.

Other Options

You can also consider getting a loan from any of the following:

Lending Club

www.lendingclub.com

Prosper

www.prosper.com

SoFi

www.sofi.com

Upstart Loan Denied?

If you’ve been denied a loan from Upstart, then this article is for you.

You don’t have to settle for no.

All you have to do is to call the Upstart customer service team via toll-free 1-855-438-8778 and ask why your application was denied.

Hence, you may need to improve your credit via a credit card for consumers with fair credit.

Conclusion

We hope we’ve been able to give you all the info you need to know about Upstart.

Hence, if you have any questions on Upstart, please leave a comment.

ALSO READ:  Chase Online Banking - www.chase.com

Reference link

http://www.upstart.com/

Frequently asked questions (FAQS)

What is the catch with Upstart?

There is no catch with Upstart, all you need is the promotional mailing and offer code.

How do I use an offer code on Upstart?

To use the offer code on Upstart, all you have to do is to visit www.upstart.com/myoffer.

Then, enter your offer code and click on “CHECK YUR RATE”

After that, follow the on-screen prompts to complete the process.

Is Upstart a legitimate company?

Yes, Upstart is a legit company, it is registered with the Better Business Bureau and has very few Consumer Financial Protection Bureau complaints which are great for a finance company in the US.

What does Upstart actually do?

They connect loan applicants to lenders who can offer loans to those with fair/average credit.

Can I pay off my Upstart loan early?

Yes. You may prepay your loan completely, or partially, at any time without penalty.

Do Upstart report to credit bureaus?

Yes, Upstart report their account status to the credit bureaus as of every due date.

What happens if I don’t pay Upstart?

Borrowers have 15 days from your payment due date before any fees are assessed.

Hence, if payment is carried out outside the grace period, you may be charged a late fee of 5% of the unpaid amount.