Personify Financial vs Upstart

		★ Editor's Pick
Feature	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial	Upstart Upstart Network, Inc.
Rating	3.9	4.5
Loan Type	installment	personal
APR Range	36% - 179.5%	6.3% - 35.99%
Loan Amount	$500 - $15,000	$1,000 - $75,000
Term Length	12 - 48 months	36 - 60 months
Pros	Looks beyond your credit score at income and banking history No application fee, and no penalty for paying off a loan early Funds available as soon as the next business day after you sign Reports payment history to the credit bureaus, plus monthly FICO Score access at no added cost	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 run up to 179.50%, at the top of the range for any installment lender Origination fee of up to 5.99% is added to the balance on most loans, so you pay interest on it too Only active in 27 states — many of the largest states aren't on the list Uses a bank-partner structure that consumer advocates and at least one lawsuit have challenged	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 Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification	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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