Upstart
Learn more
in our Bankrate review
-
Upstart might be a good choice if you have a thin credit profile — you don’t necessarily need a credit score to qualify. The lender uses an untraditional approval model, looking at factors outside of your credit, like your education and employment.
-
Pros
- Considers nontraditional factors.
- High loan amount.
- Fast funding.
Cons
- Origination fee up to 12 percent.
- No joint or co-signer option.
- Limited repayment terms.