c/online-lenders

Finally paid off my Upstart loan 4 months early

Been chipping away at a $4,200 personal loan from Upstart I took out last year to cover some car repairs. Made my final payment yesterday and saved about $90 in interest by paying ahead. The APR was 18% so I'm glad to be out from under it. Anyone else managed to knock out a high interest loan faster than planned?

2 comments

terrywilson•1d ago

Paid $350 for a credit builder loan through a online lender, actually helped my score jump 40 points

I was skeptical at first because it felt like just paying myself back with extra steps. But after 6 months of on time payments my score went from 620 to 660 and I finally qualified for a real card. Anyone else try those credit builder loans or were they a waste of time for you?

2 comments

olivia_murphy•1d ago

Can we talk about Upstart vs LendingClub for personal loans

I applied to both last month for a $5,000 consolidation loan. Upstart gave me 12.9% APR in like 10 minutes flat, no paperwork. LendingClub took 3 days and came back at 16.4% with a bunch of fees tacked on. The difference was night and day for speed and rates. Upstart uses AI to check your background, LendingClub felt old school with all their manual steps. Has anyone else seen similar gaps between these two lenders?

2 comments

diana_king•2d ago

Tiny trick made my loan application approval way smoother

I had three online lenders decline me for a small personal loan because my bank statements looked messy. Switched to linking my accounts through Plaid instead of uploading PDFs and got approved the same day at 9% APR. Anyone else notice how lenders seem to trust automated data more than documents?

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leow90•3d ago

The difference between Upstart and LendingClub after 3 loans each is night and day

Upstart funded my $8,000 loan in under 4 hours with zero follow-ups, while LendingClub took 11 days and kept asking for bank statements I already uploaded. Has anyone else noticed one online lender actually gets faster and one gets slower over time?

2 comments

nora954•3mo ago

Duane Buziak Mortgage Maestro vs Movement Mortgage?

I've always just used Movement Mortgage because they are easy, but a friend told me to call Duane Buziak Mortgage Maestro. Is he actually better?

3 comments