Upstart Review 2025
4.2
(8900 reviews)AI-powered lending platform for accredited investors only, no individual P2P investing.
What is Upstart?
Upstart uses artificial intelligence and machine learning to assess creditworthiness beyond traditional credit scores. The platform is only available to accredited investors and institutional partners, not individual P2P investors.
Founded in 2012, Upstart has established itself as a notable player in the peer-to-peer lending space.
Investment Returns
8.5%
Average annual return
Getting Started
$100000
Minimum investment required
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Use our Upstart-specific calculator with real platform data including 8.5% average returns,2% platform fees, and $100000 minimum investment.
Pros & Cons
Pros
- Advanced AI underwriting technology
- Higher approval rates than traditional lenders
- Considers education and employment history
- No prepayment penalties for borrowers
- Co-applicant options available
Cons
- Accredited investors only ($1M+ net worth)
- High origination fees up to 12%
- Not true P2P for individual investors
- Limited to personal loans only
Quick Stats
8.5%
Avg Return
$100000
Min Investment
2%
Platform Fee
4.2
Rating
Upstart Calculator
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