OppLoans vs Upstart

	Featured	★ Editor's Pick
Feature	OppLoans OppFi Inc.	Upstart Upstart Network, Inc.
Rating	4.0	4.5
Loan Type	installment	personal
APR Range	129% - 195%	6.3% - 35.99%
Loan Amount	$500 - $5,000	$1,000 - $75,000
Term Length	9 - 18 months	36 - 60 months
Pros	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty	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	APRs still very high vs traditional personal loans Not offered in about a dozen states (check eligibility) Higher loan amounts come with longer commitments	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 US citizen or permanent resident Active checking account Verifiable income (recurring direct deposit preferred)	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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