swap_horiz Upstart Personal Loans Alternatives

Looking for alternatives to Upstart Personal Loans? Compare the top Service options ranked by our AI scoring system.

You're looking at alternatives to:
Upstart Personal Loans

Upstart Personal Loans

Upstart utilizes an AI-powered approach to loan approval, considering factors beyond traditional credit scores like education and employment history. This can make it accessible to borrowers with limited credit history or those who may not qualify with traditional lenders. Loan amounts range from $1...

9.2 Excellent

apps Top Upstart Personal Loans Alternatives

The top alternative to Upstart Personal Loans in 2026 is Upstart Loans with a score of 8.7/10, followed by Avant Personal Loans (8.5) and Prosper Loans (8.2).

1
Upstart Loans

Upstart Loans

Upstart utilizes an AI-powered underwriting model that considers factors beyond traditional credit scores, like educatio...

Credit History AI Powered Education AI Driven
8.7 Very Good
2
Avant Personal Loans

Avant Personal Loans

Avant is an online lender that caters to borrowers with fair credit. Loan amounts range from $300 to $35,000, with rates...

Credit Building Debt Consolidation Fast Funding Online Lender
8.5 Very Good
3
Prosper Loans

Prosper Loans

Similar to LendingClub, Prosper is a peer-to-peer lending platform. Loan amounts range from $2,000 to $50,000, with rate...

Credit History Peer To Peer Debt Consolidation Online Lender
8.2 Very Good
4
Avant Loans

Avant Loans

Avant caters to borrowers with fair credit scores (580+), offering a more accessible option than some competitors. Loan...

Credit Building Debt Consolidation Fast Funding Online Lender
8.0 Very Good
5
Capital One Personal Loans

Capital One Personal Loans

Capital One offers personal loans with a straightforward application process and a rewards program for on-time payments....

Credit History Rewards Program Debt Consolidation Online Lender
7.3 Good
6
LendingClub Loans

LendingClub Loans

LendingClub operates as a peer-to-peer lending platform, connecting borrowers with individual investors. Loan amounts ra...

Credit Score Credit History Peer To Peer Debt Consolidation
7.0 Good
7
Universal Credit Loans

Universal Credit Loans

Universal Credit Loans provides personal loans to borrowers with fair to poor credit. Loan amounts range from $500 to $3...

Credit Building Debt Consolidation Online Lender Fixed Rate
6.8 Fair
8
OppLoans

OppLoans

OppLoans provides short-term personal loans to borrowers with limited credit history. Loan amounts range from $300 to $1...

Credit Building Short Term Debt Consolidation Online Lender
6.5 Fair
9
Fig Loans

Fig Loans

Fig Loans offers small, short-term personal loans to borrowers with limited credit history. Loan amounts range from $300...

Credit Building Short Term Debt Consolidation Online Lender
6.3 Fair
10
Avant Credit

Avant Credit

Avant Credit provides personal loans to borrowers with fair credit scores, offering a more accessible option than some c...

Credit Building Debt Consolidation Online Lender Fixed Rate
5.8 Average
11
NetCredit

NetCredit

NetCredit is a lender that focuses on providing personal loans to individuals with less-than-perfect credit. They offer...

Simple User Friendly Accessible Credit Building
5.8 Average
12
Rise Credit

Rise Credit

Rise Credit provides personal loans to borrowers with fair to poor credit. Loan amounts range from $500 to $5,000, with...

Credit Building Short Term Debt Consolidation Financial Education
5.4 Average
13
Microsoft Sentinel

Microsoft Sentinel

Microsoft Sentinel is a cloud-native SIEM and SOAR solution that leverages the massive scale of Azure. It excels in hybr...

Scalability Cloud Native Azure AI Driven
9.9 Brilliant
14
Palo Alto Networks Next-Generation Firewall

Palo Alto Networks Next-Generation Firewall

Palo Alto Networks remains the industry leader in network security, offering a comprehensive Next-Generation Firewall (N...

Enterprise Zero Trust AI Driven Cloud Security
9.8 Brilliant
15
SentinelOne Singularity

SentinelOne Singularity

SentinelOne Singularity is a cutting-edge XDR (Extended Detection and Response) platform that uses AI to automate the en...

Automation AI Driven AI Automation Incident Response
9.7 Brilliant
16
MI

Microsoft Dynamics 365 Commerce

Microsoft Dynamics 365 Commerce provides a robust, AI-powered retail solution that integrates seamlessly with the broade...

Microsoft Ecosystem Omnichannel Cloud Based AI Driven
9.6 Brilliant
17
Acronis Cyber Protect Home Office

Acronis Cyber Protect Home Office

Acronis is more than just a backup service; it is a comprehensive cybersecurity suite. It provides full-image backups, w...

Security All In One Cloud Integration Ransomware Protection
9.5 Brilliant
18
IBM Consulting

IBM Consulting

IBM Consulting differentiates itself through its heavy emphasis on AI, data analytics, and hybrid cloud integration. As...

Hybrid Cloud Data Analytics AI Driven Sap Hana
9.5 Brilliant
19
CI

Citi Simplicity Card

The Citi Simplicity Card is a perennial favorite for debt management due to its consumer-friendly policies. It offers a...

Long Intro Apr No Late Fees No Penalty Apr Debt Consolidation
9.5 Brilliant
20
Salesforce CRM

Salesforce CRM

Salesforce CRM is a comprehensive cloud-based solution that offers AI-driven insights, marketing automation, and sales a...

Customization Enterprise Marketing Cloud Cloud Based
9.5 Brilliant

summarize Quick Comparison Summary

Alternative Score vs Upstart Persona... Action
Upstart Loans 8.7 -0.5 Compare
Avant Personal Loans 8.5 -0.7 Compare
Prosper Loans 8.2 -1.0 Compare
Avant Loans 8.0 -1.2 Compare
Capital One Personal Loans 7.3 -1.9 Compare
LendingClub Loans 7.0 -2.2 Compare
Universal Credit Loans 6.8 -2.4 Compare
OppLoans 6.5 -2.7 Compare
Fig Loans 6.3 -2.9 Compare
Avant Credit 5.8 -3.4 Compare

See all Service ranked by score

emoji_events View Full Service Rankings

help Frequently Asked Questions

What are the best alternatives to Upstart Personal Loans?
The top alternatives to Upstart Personal Loans in 2026 include Upstart Loans, Avant Personal Loans, Prosper Loans, Avant Loans, Capital One Personal Loans. Each offers unique features and is objectively scored on Lunoo to help you compare.
How does Upstart Personal Loans compare to its competitors?
Our AI-powered comparison system analyzes features, pricing, user reviews, and expert opinions to provide objective scores. Upstart Personal Loans scores 9.2/10. Click any alternative above to see a detailed side-by-side comparison.
Is Upstart Personal Loans worth it in 2026?
Upstart Personal Loans scores 9.2/10 on Lunoo, making it a highly-rated option in the Service category. However, alternatives like Upstart Loans may better suit specific needs.
What is the best free alternative to Upstart Personal Loans?
Several alternatives to Upstart Personal Loans offer free plans or free tiers. Check the alternatives listed above and visit their websites to compare pricing and free options.
Why should I switch from Upstart Personal Loans?
Common reasons users look for Upstart Personal Loans alternatives include pricing, specific feature gaps, better integration needs, or simply exploring newer options. Our objective scoring helps you compare without bias.
How many alternatives to Upstart Personal Loans are there?
Lunoo currently lists 20 scored alternatives to Upstart Personal Loans in the Service category, ranked by our AI-powered evaluation system.
Which Upstart Personal Loans alternative has the highest rating?
Upstart Loans currently holds the highest rating among Upstart Personal Loans alternatives with a score of 8.7/10.
Can I use Upstart Loans instead of Upstart Personal Loans?
Upstart Loans is one of the top-rated alternatives to Upstart Personal Loans. While they serve similar purposes in the Service space, each has distinct strengths. Use our comparison tool above for a detailed side-by-side analysis.
What is the cheapest alternative to Upstart Personal Loans?
Pricing varies among Upstart Personal Loans alternatives. We recommend checking each alternative's website for current pricing. Many options in the Service category offer free tiers or competitive pricing.
How are Upstart Personal Loans alternatives ranked on Lunoo?
Lunoo uses an AI-powered scoring system that analyzes features, user reviews, expert opinions, market presence, and value to provide objective 0-10 scores. Rankings are updated continuously.
Upstart Personal Loans vs Upstart Loans: which is better?
Upstart Personal Loans scores 9.2/10 while Upstart Loans scores 8.7/10 on Lunoo. The best choice depends on your specific needs. Use our detailed comparison tool for a full breakdown.
Upstart Personal Loans vs Avant Personal Loans: which is better?
Upstart Personal Loans scores 9.2/10 while Avant Personal Loans scores 8.5/10 on Lunoo. The best choice depends on your specific needs. Use our detailed comparison tool for a full breakdown.
Upstart Personal Loans vs Prosper Loans: which is better?
Upstart Personal Loans scores 9.2/10 while Prosper Loans scores 8.2/10 on Lunoo. The best choice depends on your specific needs. Use our detailed comparison tool for a full breakdown.

Compare Items

See how they stack up against each other

Comparing
VS
Select 1 more item to compare