Happen Bank vs Upstart
Upstart comes out ahead of Happen Bank on 4 of the 6 things that decide this, going by what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.
The verdict
Upstart takes it, 4–1 on rounds.
On the published figures and the independent review sites, Upstart takes 4 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.
Choose Happen Bank if…
- • You want Happen Bank's edge on the highest origination fee
Choose Upstart if…
- • You want Upstart's edge on how much you can borrow and the credit score it asks for
Round by round
- Round 1How much you can borrowUpstart winsHappen Bank5/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- $40,000, against $75,000
Source: globalloanadvisor.com ↗
Upstart wins this round on independent review-site data, not on its own claims.
- Round 2The highest origination feeHappen Bank wins
Happen Bank wins this round on independent review-site data, not on its own claims.
- Round 3The credit score it asks forUpstart winsHappen Bank5/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- 600, against No minimum
Source: globalloanadvisor.com ↗
Upstart wins this round on independent review-site data, not on its own claims.
- Round 4What customers say on TrustpilotUpstart winsHappen Bank5/10
4.7 out of 5
TrustScore from 14,904 reviews on Trustpilot
- 4.7 out of 5, against 4.9 out of 5
Source: trustpilot.com ↗
Upstart wins this round on independent review-site data, not on its own claims.
- Round 5The smallest loanTieHappen Bank7/10
Not stated
Happen Bank's personal loan page states no loan amount limits or minimum credit score
- the smallest loan
Source: globalloanadvisor.com ↗
Nothing to separate them here.
- Round 6How many Trustpilot reviewsUpstart winsHappen Bank5/10
14,904 reviews
reviews on Trustpilot, rated 4.7 out of 5
- 14,904 reviews, against 73,139 reviews
Source: trustpilot.com ↗
Upstart wins this round on independent review-site data, not on its own claims.
Side by side
- the smallest loan
- minimum credit score
- $40,000, against $75,000
- 600, against No minimum
- 4.7 out of 5, against 4.9 out of 5
- 14,904 reviews, against 73,139 reviews
- $75,000, against $100,000
- 12%, against No origination fee
- Next business day, against Same day possible
- 12%, against 8%