Upstart vs LightStream
Upstart and LightStream are level on what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.
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 Upstart if…
- • You want Upstart's edge on the smallest loan and the credit score it asks for
Choose LightStream if…
- • You want LightStream's edge on how much you can borrow and the highest origination fee
Round by round
- Round 1How much you can borrowLightStream wins
LightStream 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 feeLightStream wins
LightStream wins this round on independent review-site data, not on its own claims.
- Round 4How fast the money arrivesLightStream 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 ↗
LightStream wins this round on independent review-site data, not on its own claims.
- Round 5The credit score it asks forUpstart winsLightStream5/10
Good-to-excellent credit
no minimum score published; good-to-excellent credit required
- 660, against No minimum
Source: lightstream.com ↗
Upstart wins this round on independent review-site data, not on its own claims.
- Round 6What customers say on TrustpilotUpstart winsLightStream5/10
1.5 out of 5
TrustScore from 119 reviews on Trustpilot
- 1.5 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.
Side by side
- $75,000, against $100,000
- 12%, against No origination fee
- Next business day, against Same day possible
- 12%, against 8%
- 1.5 out of 5, against 4.3 out of 5
- 119 reviews, against 13,970 reviews
- $5,000, against $1,000
- 660, against 600