Upstart
Depends
Confidence: Medium
Buy if you have fair credit, card APRs near 29%, and Upstart quotes you well under that.
New check
Comparison
Upstart vs Bankrate — Compare Mortgage Rates & Financial Products
Upstart lands on Depends, and Bankrate — Compare Mortgage Rates & Financial Products lands on Worth it.
Bankrate — Compare Mortgage Rates & Financial Products
Worth it
Confidence: Medium
Use it if you're shopping mortgage, refi, savings, or credit card rates . it's free and well-regarded for comparison.
| Compare | Upstart | Bankrate — Compare Mortgage Rates & Financial Products |
|---|---|---|
| Verdict | Depends | Worth it |
| Best for | Fair-credit borrowers consolidating 28-29% card debt | Mortgage and refi shoppers |
| Who it's not for | Strong-credit borrowers . Bankrate and LendingTree rank Upgrade's rates better | Anyone unwilling to receive lender sales calls after rate requests |
| Privacy | No known public vulnerabilities found in the sources reviewed.10 | No known public vulnerabilities found in the sources reviewed.16 |
| Support quality | No support evidence in sources | No support evidence in sources |
| Public sentiment | Public chatter is mostly debt-stressed borrowers weighing Upstart's speed and rate check against card APRs near 29%.² | Reviews are polarized: the mortgage calculator draws strong praise while some WalletHub reviewers allege billing problems.12 |
| Biggest gotcha | 6.3% is the floor; weak credit can draw offers near 36% . compare against your card APR first.¹ | WalletHub reviewers claim charges taken from accounts; scrutinize anything you enroll in.13 |
Pick Upstart when
- Fair-credit borrowers consolidating 28-29% card debt
- Borrowers needing funds within one business day
- People wanting a no-credit-impact rate check
- Loan needs between $1,000 and $75,000
When Upstart is not a fit
- Strong-credit borrowers . Bankrate and LendingTree rank Upgrade's rates better
- Anyone whose quote lands near 36% APR . that saves nothing on card debt
- People who won't stop re-borrowing . NerdWallet says habits sink consolidation
- Businesses . this is consumer lending only
Pick Bankrate — Compare Mortgage Rates & Financial Products when
- Mortgage and refi shoppers
- Savings and CD rate hunters
- First-time buyers leaning on calculators
When Bankrate — Compare Mortgage Rates & Financial Products is not a fit
- Anyone unwilling to receive lender sales calls after rate requests
- People expecting Bankrate to hold accounts . it's a marketplace, not a bank
- Thin-credit borrowers assuming headline rates are their real quotes
- Businesses seeking a financial product . this is consumer-only
Sources
- Upstart homepageupstart.comofficial
- Upstart debt consolidation loansupstart.comofficial
- Upstart credit card consolidationupstart.comofficial
- Upstart Reviews: 692 User Ratingswallethub.comreview
- Best Debt Consolidation Loans (Bankrate)bankrate.comreview
- Best Debt Consolidation Loans (LendingTree)lendingtree.comreview
- The Pros and Cons of Debt Consolidation (NerdWallet)nerdwallet.comreview
review
- OneMain Financial debt consolidationonemainfinancial.comofficial
- Upstart security pageupstart.comsecurity
- Bankrate official sitebankrate.comofficial
- Bankrate reviews on Trustpilottrustpilot.comreview
- Bankrate Reviews: 16 User Ratings . WalletHubwallethub.comreview
- Bankrate Review for 2026 . The Mortgage Reportsthemortgagereports.comreview
- Bankrate Mortgage Review 2026 . U.S. Newsmoney.usnews.comreview
- Bankrate.com Trust Score 95/100 . Gridinsoftgridinsoft.comsecurity