Best Loans for Bad Credit in 2025-Upstart Personal Loan

Reviews Upstart

To determine our star ratings for personal loan companies, LendingTree evaluated 22 data points across three main categories:

• Accessibility: We focused on whether lenders provided loans to nontraditional borrowers and those lacking excellent credit scores. Additionally, we examined if lenders conducted soft credit pulls and if they were clear about eligibility criteria beyond just credit scores.
• Rates and terms: We aimed to find out if the rates, terms, amounts, and fees from lenders were not only clear but also competitive.
• Repayment experience: This category was assessed based on lenders’ reputations, the availability of customer support, and any unique benefits they offered.

These data points encompass every stage of the process involved in shopping for, applying for, borrowing, and repaying personal loans. For example, a five-star lender has flexible eligibility criteria, allows you to prequalify without any commitment, and assists you in paying off your balance.

The 22 data points, gathered directly from the lenders, shape the overall rating. We consistently score lenders, occasionally giving partial points, enabling you to make direct comparisons while shopping around.

LendingTree does not receive payment for these reviews, and lenders do not influence their content. Through our reviews and ratings, we strive to provide our users with the objective and comprehensive information necessary to make the best decisions possible.