{"app_store_id":6450968733,"slug":"upstart-personal-loans-more-6450968733","name":"Upstart: Personal Loans + More","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/fd/17/9f/fd179fdf-2230-c7e1-2c09-15f38d5f6cc8/Upstart-icon-ios26-0-0-1x_U007ephone-0-1-sRGB-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/upstart-personal-loans-more/id6450968733?uo=4","price":0,"currency":"USD","rating":4.88638,"rating_count":47217,"in_app_purchases":null,"recent_rating":2.75,"recent_review_count":20,"reviews_checked_at":"2026-10-21T04:37:12.788Z","primary_genre":"Finance","version_date":"2026-10-19T17:35:01Z","updated_at":"2026-10-21T04:37:12.788Z","stale":false,"missing_since":null,"one_liner":"Finance app to check loan rates and apply for fixed-rate personal loans, debt consolidation and Cash Line credit.","verified_maker":false,"maker_site":null,"file_size_bytes":102465536,"minimum_os":"16.0","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f9/c4/de/f9c4dee3-cbaa-665d-8943-4255b83f9046/1-1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e6/9a/26/e69a268c-04f8-4a76-3e60-798435906bfa/2-1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/9e/9d/33/9e9d336a-76a4-9669-b0ff-5183d399bab4/4-1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/89/7d/91/897d9184-c676-1f1d-de35-705f13d687f7/5.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ed/fc/ee/edfcee26-9cbf-b74b-1655-5e54c673bbd4/6-1.jpg/392x696bb.jpg"],"developer_name":"Upstart Network, Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/upstart-personal-loans-more-6450968733/","api_url":"https://apptierlist.com/api/v1/apps/upstart-personal-loans-more-6450968733","schema_version":"1.0","generated_at":"2026-10-22T06:45:24.308Z","data_as_of":"2026-10-22T04:59:12.573Z","description":"Upstart makes it simple to borrow the money you need. Get funded in as fast as 24 hours for personal loans1, and within seconds with Cash Line*. \n\nCheck your rate in minutes, with no impact to your credit score2. Trusted by 4M+ borrowers3 & rated 4.9 stars4. Apply for fixed-rate loans from $200 to $75,000.5 Easily apply for personal loans and credit lines.\n\nLightning Fast Approvals\n • Most funded borrowers received approvals instantly6, no paperwork needed\n • Funding instantly for Cash Line after approval*\n • Check if you qualify in minutes\n\nFlexible Loans & Cash Access\n • Personal loans: $200- $75K5\n • Debt consolidation: Combine debts into one payment\n • Cash Line: Access a flexible line of credit for quick cash needs\n\nApp Features\n • NEW: Unlock ongoing funds7 vs one-time cash advances with Cash Line for instant cash*. Get $200 minimum once approved.\n • Compare loan options side-by-side\n • Manage your loan & make payments\n • Get prequalified for future loans\n • Access customer support 24/7\n\nWhy 4+ Million Borrowers Choose Us3\n • Top rated with strong customer satisfaction\n • No hidden fees; transparent pricing from day one\n • Personalized rates based on your financial profile\n • Fast access to funds & flexible options\n\nAbout Upstart:\n Upstart is the borrowing platform trusted by millions. We connect you to a network of 100+ trusted lenders, so you can get loan offers tailored to you. We offer competitive fixed-rates for personal loans, small dollar loans & Cash Line. With an easy online application, you can see your options in minutes and decide with confidence. Plus, we don’t charge prepayment fees. We’re here each step with a live Customer Service team.\n\nLEGAL DISCLAIMERS:\n 1In March 2026, 69% of Upstart customers had the funds transfer initiated in 24 hours upon approval and signing the promissory note. When the funds will be available to you will depend on your bank’s transaction processing time and policies.\n 2When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate & proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus\n 3As of 3/31/26, across the entire Upstart marketplace\n 4As of 3/31/26 for Upstart on the App Store\n 5Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($1,500), MA ($7,000). Maximum loan amounts may vary by state.\n 6The majority of unsecured loan borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents; final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer \n 7Always On Commitment: We are committed to maintaining your credit limit as long as you continue to meet program eligibility and account requirements. To ensure the safety and security of all our members, we reserve the right to adjust or close lines in specific circumstances, including account default or late payments, suspected fraud, violation of our terms of service (including abusive behavior), or when necessitated by legal or regulatory requirements.\n *To receive instant funding, your bank account must support instant transfers. If your account does not support instant transfers, funds will be available depending on your bank's transaction processing time & policies\n Upstart Network, Inc. NMLS #936133. Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions.","facts":{"developer_id":1694510138,"developer_url":"https://www.upstart.com/","first_released":"2023-10-23T07:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"1.1.18","release_notes":"What's new:\n- UX improvements\n- Better stability\n\nAre there any features you would like to see in the future? We are always listening and working hard behind the scenes, please email us at mobile@upstart.com","rating_current_version":4.88638,"rating_count_current_version":47217,"star_counts":null,"genres":["Finance"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-21T04:37:12.788Z","catalog_read_at":null,"reviews_checked_at":"2026-10-21T04:37:12.788Z","summary_written_at":"2026-10-13T17:31:53.323Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-22T04:59:12.573Z"},"editorial":{"one_liner":"Finance app to check loan rates and apply for fixed-rate personal loans, debt consolidation and Cash Line credit.","what_is":"Upstart is a borrowing platform that connects users to a network of 100+ trusted lenders to receive loan offers. It offers fixed-rate personal loans, small dollar loans and Cash Line, a line of credit. Users can check their rate in minutes and see their options through an online application.","good_for":["Comparing personal loan offers from multiple lenders","Combining several debts into one monthly payment","Needing quick cash through a flexible line of credit"],"pricing":"Upstart: Personal Loans + More is free to download on the App Store.","faq":[{"q":"Does checking my rate affect my credit score?","a":"Checking your rate involves a soft credit inquiry that will not affect your credit score. Accepting a rate and proceeding with an application triggers a hard inquiry that can affect your score."},{"q":"How much can I borrow?","a":"Personal loans are listed from $200 to $75,000. Amounts depend on credit, income and other information in your application, and not all applicants qualify for the full amount. Minimums vary by state."},{"q":"How fast is funding?","a":"The listing says most funded borrowers received approvals instantly without paperwork, and 69% of customers in March 2026 had funds transfer initiated within 24 hours of approval. Your bank's processing time affects when funds are…"}],"model":"claude-haiku-5-5","created_at":"2026-10-13T17:31:53.323Z"},"memberships":[{"list":"loan-finding","list_name":"loan finding","list_status":"active","list_url":"https://apptierlist.com/best/loan-finding/","position":3,"tier":"A","score":84.1,"components":{"rating":97.7,"votes":86.7,"rank":52,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"loan-finding","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":131666,"at":"2026-10-16T16:41:45.071Z","kind":"tier_changed","list":"loan-finding","app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":null,"to":"A","reason":"checked from the list's side: ranked #3","job":"rescore"},{"id":109943,"at":"2026-10-15T15:30:00.489Z","kind":"tier_changed","list":"loan-finding","app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":99600,"at":"2026-10-15T07:58:36.036Z","kind":"tier_changed","list":"loan-finding","app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":"B","to":"A","reason":"rank shift: #3, score unchanged at 84.1","job":"rescore"},{"id":65450,"at":"2026-10-12T19:12:56.505Z","kind":"tier_changed","list":"loan-finding","app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":null,"to":"B","reason":"score 84.1","job":"rescore"},{"id":52857,"at":"2026-10-10T15:41:16.643Z","kind":"tier_changed","list":"loan-finding","app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":"F","to":null,"reason":"score 71.1","job":"rescore"},{"id":45005,"at":"2026-10-09T15:28:33.758Z","kind":"tier_changed","list":"loan-finding","app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":null,"to":"F","reason":"score 71.1","job":"rescore"},{"id":32745,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"loan-finding","app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":null,"to":"active","reason":"Core purpose: check rates with no credit impact, compare loan options side by side, and apply for personal loans from $200 to $75,000 through a network of 100+ ","job":"fill"},{"id":24587,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":6450968733,"app":"upstart-personal-loans-more-6450968733","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"loan-finding","list_name":"loan finding","status":"active","review_status":"checked","position":3,"tier":"A","score":84.1,"components":{"rating":97.7,"votes":86.7,"rank":52,"recency":100},"ranks":[{"country":"us","rank":1}],"verdicts":[{"verdict":"keep","reason":"Upstart is mainly a personal loan lender. 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When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/upstart-personal-loans-more-6450968733/"}}