The verdict
Upstart takes it, 5–1 on rounds.
On the published figures and the independent review sites, Upstart takes 5 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.
Choose Upstart if…
- • You want Upstart's edge on how much you can borrow and the smallest loan
Choose Prosper if…
- • You want Prosper's edge on the highest origination fee
Round by round
- Round 1How much you can borrowUpstart wins
Upstart 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 feeProsper wins
Prosper wins this round on independent review-site data, not on its own claims.
- Round 4The credit score it asks forUpstart wins
Upstart wins this round on independent review-site data, not on its own claims.
- Round 5What customers say on TrustpilotUpstart winsProsper5/10
4.5 out of 5
TrustScore from 14,729 reviews on Trustpilot
- 4.5 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.
- Round 6How many Trustpilot reviewsUpstart winsProsper5/10
14,729 reviews
reviews on Trustpilot, rated 4.5 out of 5
- 14,729 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
- $75,000, against $100,000
- 12%, against No origination fee
- Next business day, against Same day possible
- 12%, against 8%
- $2,000, against $1,000
- 9.99%, against 8%
- 4.5 out of 5, against 4.7 out of 5
- 14,729 reviews, against 14,904 reviews