Loan Comparison

		★ Editor's Pick
Feature	LendingPoint LendingPoint, LLC	Upstart Upstart Network, Inc.
Rating	4.1	4.5
Loan Type	personal	personal
APR Range	7.99% - 35.99%	7.8% - 35.99%
Loan Amount	$2,000 - $36,500	$1,000 - $50,000
Term Length	24 - 72 months	36 - 60 months
Pros	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check	Lowest starting APR in our roundup Considers education and job history, not just credit score Same-day funding available in many states Borrowers with thin credit files often qualify
Cons	Origination fee up to 10% in some states Not available in NV or WV Longer terms mean more interest paid over time	Origination fees up to 12% — read the APR carefully Not available to residents of West Virginia or Iowa High maximum APR for higher-risk borrowers
Requirements	At least 18 years old Minimum FICO score around 600 Verifiable annual income of $20,000+ Active US bank account	At least 18 (19 in some states) US citizen or permanent resident Valid bank account Verifiable income or job offer starting within 6 months
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