LendingPoint vs Upstart

		★ 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%	6.3% - 35.99%
Loan Amount	$1,000 - $36,500	$1,000 - $75,000
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% deducted from loan proceeds Not available in 9 states and DC Longer terms mean more interest paid over time	Origination fee comes out of your proceeds, and Upstart doesn't publish its range Not available to residents of West Virginia or Iowa High maximum APR for higher-risk borrowers
Requirements	At least 18 years old Credit score typically 640 or higher (no published hard minimum) Verifiable annual income of $35,000+ 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
	Review	Review

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