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Last Updated: 01/07/2026

Upstart Loan Investing

from Upstart Mortgage LLC

Last Updated: 01/07/2026

Strongly recommended5 total votes

4 users recommend

1 users are unsure

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Highlights

Community Rating

Strongly recommended

Minimum Initial Investment

$100

Average ARR

Starting at 6.6%

Investor Fees

0.5%

Number of Reviews

Upstart Loan Investing Review

Upstart Loan Investing is a marketplace based in San Mateo, CA. It was founded in 2012 and offers financing opportunities to investors in 50 states (and Washington, DC).

Upstart Loan Investing FAQ

What rate of return can investors expect?

The average rate of return is 6.6%. However, past performance does not guarantee future results.

What is the minimum investment you can make?

You must invest at least $100 to open an account with Upstart Loan Investing.

What fees does Upstart Loan Investing charge?

Fees may vary but you can expect to pay 0.5% of the amount invested.

What are the income requirements to invest with Upstart Loan Investing?

Unlike many real estate platforms, Upstart Loan Investing does not require investors to meet income requirements.

In fact, only investors accredited by the U.S. Securities and Exchange Commission qualify. The SEC defines accredited investors as people with a net worth of at least one million dollars without including the value of their primary residence.

Only U.S. citizens and permanent residents can invest in Upstart Loan Investing.

To qualify, applicants may need to provide the following documentation:

Proof of Identity
Proof of Income
Social Security Number

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Contact

Headquarters

2950 S Delaware St

San Mateo, CA 94403

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.

+80

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Upstart Loan Investing Community Reviews

Would you recommend Upstart Loan Investing to your friends?

Ralph B.

Jan 12, 2021

May or may not recommend

Investing with Upstart is one of the best decisions I ever made in my whole life. When I heard about Upstart, I placed a call through to their help desk to ask questions, because I would never throw money anywhere without having full information, or done extensive research. Luanna, the customer representative took her time to answer all of my questions warmly, and that took the doubt out of me. ...Show More

Alexandrea A.

Nov 2, 2020

May or may not recommend

Upstart is an opportunity than can open up many doors. Yes, they have higher rates than other lenders. Although, When compared to similar personal loan lenders, their rates are still modest. They do have requirements that I think are somewhat reasonable, but I don’t believe in any direct or personal judgement of ones schooling (they do look at your education throughout life) but I’m in high hopes it is not ...Show More

Rebecca S.

Oct 24, 2020

May or may not recommend

While searching for a company to invest my money with, one my main requisites was that I need to feel comfortable with the employees and customer service representatives. I would never invest my money in a place where people aren't knowledgeable about all of the services or where I feel I'm being rushed. The folks at Upstart Loan Investing have put my mind at ease since the first time I ...Show More

Kevin D.

Oct 22, 2020

May or may not recommend

Upstart loan investment are just the best, I have had a lot of experiences investing my money. I contacted them on phone and the lady that spoke with me was patient enough to answer all my questions and even put me through the right process to invest my money. She invited me over to their office to finalize all paper works, I must confess that I really enjoy investing with them ...Show More

Ashely D.

Oct 11, 2020

May or may not recommend

A very easy way to start investing! I already have an IRA, which I had transferred when signing up. It was a seamless process and all of the agents who I spoke with were very patient, answered all of my questions and helped me during the set up process.

Showing 5 of 5 reviews