The verdict
It's a dead heat.
Neither pulls ahead on the published figures and review sites, so the decision is in the details this comparison cannot see. Check the current figures on both pages.
Choose SoFi if…
- • You want SoFi's edge on how much you can borrow and the highest origination fee
Choose Upstart if…
- • You want Upstart's edge on the smallest loan and what customers say on trustpilot
Round by round
- Round 1How much you can borrowSoFi wins
SoFi wins this round on independent review-site data, not on its own claims.
- Round 2The smallest loanUpstart wins
Upstart wins this round on independent review-site data, not on its own claims.
- Round 3The highest origination feeSoFi wins
SoFi wins this round on independent review-site data, not on its own claims.
- Round 4How fast the money arrivesSoFi winsUpstart5/10
Next business day
funds can arrive as soon as the next business day
- Next business day, against Same day possible
Source: lendingtree.com ↗
SoFi wins this round on independent review-site data, not on its own claims.
- Round 5What customers say on TrustpilotUpstart winsSoFi5/10
4.3 out of 5
TrustScore from 13,970 reviews on Trustpilot
- 4.3 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 6How many Trustpilot reviewsUpstart winsSoFi5/10
13,970 reviews
reviews on Trustpilot, rated 4.3 out of 5
- 13,970 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
- no origination fee
- $5,000, against $1,000
- 4.3 out of 5, against 4.9 out of 5
- 13,970 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%