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Upstart vs SoFi

Upstart is a good option for "fair-to-good credit" borrowers who need to consolidate debt. How does it compare to SoFi? Read our comparison chart below.

 UpstartSoFi
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Upstart

SoFi

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Personal Loans - Learn More

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Refinance Student Loans - Learn More

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CreditDonkey® Reviews

 UpstartSoFi
EligibilityStarStarStarStarHalf StarStarStarHalf StarEmpty StarEmpty Star
FeesStarStarHalf StarEmpty StarEmpty StarStarStarStarStarHalf Star
Interest RatesStarStarHalf StarEmpty StarEmpty StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Higher approval odds for low credit borrowers
  • No prepayment penalties
  • Can pay creditors directly
Cons:
  • High origination fees
  • Higher starting APR
  • No cosigners allowed
Pros:
  • Competitive, fixed rates
  • Low fees
  • No collateral
Cons:
  • Slower underwriting process
  • High standards for borrowers
Bottom LineGood option for "fair-to-good credit" borrowers who need to consolidate debt... Read full reviewPersonal loans with low APR and fees. Must have good credit to qualify... Read full review
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Personal Loans

Which is Better: Upstart or SoFi?

Still need help deciding which personal loans is better? Read the in-depth reviews below. You may also be interested in comparing Upstart or Tally.

In short: Upstart's eligibility is noteworthy. SoFi's fees and interest rates are noteworthy.


Articles on Upstart

Upstart Personal Loan Review

Upstart offers personal loans for fair-credit borrowers. Before applying, find out if it's reliable, how it affects credit, and who gets approved.

Articles on SoFi

SoFi Personal Loan

SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.

SoFi Mortgage Review

Thinking about buying a home or refinancing your existing mortgage? Is SoFi a good online lender or should you stick with a traditional bank? Read on for the pros and cons.

Which Do You Think is Best?





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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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