Upstart: Personal Loans + More vs OneMain Usage & Stats

Get the money you need sent in as fast as 24 hours¹. Upstart makes borrowing simple, fast, and transparent. Check your rate in minutes, with no impact to your credit score² ‒trusted by 3M+ borrowers³ and rated 4.9 stars.⁴ Apply for fixed-rate loans from $500 to $75,000.⁵ Lightning Fast Approvals • 90% of funded borrowers received their approvals instantly⁶ — no paperwork required • Funding in as fast as one business day after approval⁷ • Find out if you qualify in minutes Flexible Loan Options • Personal loans: $1K - $75K⁵ for almost anything • Auto refinancing: Lower your monthly car payment • Short-term relief loans: For everyday bills and expenses • Debt consolidation: Combine multiple debts into one easy payment What You Can Do in the App • Check your rate without impacting your credit score² • Compare loan options side-by-side • Track your application status in real-time • Manage your loan and make payments on the go • Get prequalified for future loans • Access customer support 24/7 Why 3+ Million Borrowers Choose Upstart³ • Top rated with industry-leading customer satisfaction • No hidden fees — transparent pricing from day one • Personalized rates based on your unique financial profile About Upstart: Upstart is the partner millions trust to borrow better. We connect customers with our network of banks and credit unions and offer competitive rates. With loan options for personal use, debt consolidation, and auto refinancing, our fixed rates and flexible loan terms make it easy for borrowers to choose Upstart again and again. Plus, we don’t charge prepayment fees. We’re here for you every step of the way with a live, helpful Customer Service team, and easy access to common Help Center FAQs. LEGAL DISCLAIMERS: ¹In June 2025, 65% of Upstart customers had the funds transfer initiated in 24 hours upon approval and signing the promissory note. When the funds will be available to you will depend on your bank’s policies. ²This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus. ³As of 6/30/2025, across Upstart’s marketplace. ⁴As of 6/30/2025 for Upstart on Trustpilot.com ⁵Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimal loan amounts for the personal loans product vary by state: GA ($3,100), HI ($2,100), MA ($7,000). ⁶The majority of unsecured loan borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents; final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer wait times if additional documentation is required for review. ⁷If you accept your loan by 5pm EST (not including weekends or holidays), your funds will be sent on the next business day. When the funds will be available to you will depend on your bank’s policies. ⁸Estimated based on all consumers who were approved for an auto loan through the Upstart platform. In June 2025, the average monthly payment savings amount was $131. To evaluate savings on a loan you are considering refinancing, it is important to compare your APR and remaining term from your existing auto loan to the APR and term offered through Upstart. ⁹In June 2025, 70% of funded borrowers that signed their promissory note before 11AM PST/2PM EST (not including weekends or holidays) had the funds transfer initiated same day. When the funds will be available to you will depend on your bank’s transaction processing time and policies. Upstart Network, Inc. NMLS #936133. Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions.

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OneMain

Access the tools you need and all the best extras. Stay in control of your loan and keep tabs on your progress. An active OneMain account is required to use this app. To apply for a new personal loan, visit OMF.com. APP FEATURES - Make loan payments on the go. - Turn on AutoPay to schedule automatic payments. - Sign up for paperless statements and payment alerts. - Monitor your VantageScore (R) (updated monthly). - Access Trim by OneMain (R) to track your spending and even save some cash. Note: Deleting this app does not close or delete a OneMain account. As a regulated lender and financial institution, we must retain certain records under applicable law. ABOUT ONEMAIN FINANCIAL We provide personal loans that can help you get the money you need, for purposes such as: - Debt consolidation - Home improvement - Auto purchase or repair - Vacations - Emergencies - Major purchases Our minimum and maximum loan repayment periods are 24 months and 60 months. The maximum Annual Percentage Rate (APR) for a personal loan is 35.99%. Minimum and maximum loan amounts are $1,500 and $20,000. Not all applicants qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than 10 years old that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Loan proceeds cannot be used for post-secondary educational expenses, for any business or commercial purpose, to buy cryptocurrency or other speculative investments, or for gambling or illegal purposes. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge a vehicle as collateral. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: $3,100. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600. Borrowers in these states are subject to these maximum loan sizes: North Carolina: $11,000 for unsecured loans to all customers; $11,000 for secured loans to present customers. Maine: $7,000. Mississippi: $12,000. West Virginia: $13,500. Loans to purchase a motor vehicle or powersports equipment from select ME, MS, and NC dealerships are not subject to these maximum loan sizes. We charge loan origination fees. Depending on the state where you open the loan, the fee may be a flat amount or percentage of the loan amount. Flat fee amounts vary by state, ranging from $25–$500. Percentage-based fees vary by state, ranging from 1%–10% of the loan, subject to certain state limits on the fee amount. Example Loan: A $6,000 loan with a 24.99% APR repayable in 60 monthly installments would have monthly payments of $176.07. When refinancing or consolidating existing debts, total finance charges over the life of the new loan may be higher than your current debt because the interest rate may be higher and/or the loan term may be longer. Our loans include origination fees, which may reduce the amount of money available to pay off other debts. State Licenses: OneMain Financial Group, LLC (NMLS# 1339418). CA: Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. PA: Licensed by Pennsylvania Department of Banking and Securities. VA: Licensed by Virginia State Corporation Commission – License Number CFI-156. OneMain Mortgage Services, Inc. (NMLS# 931153). NY: Registered New York Mortgage Loan Servicer. See more licensing information at nmlsconsumeraccess.org and onemainfinancial.com/legal/disclosures. Need help? Call 800-290-7002.