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Payday & personal loans

Upstart payday & personal loans complaints

Consumers have filed 910 complaints about Upstart's payday & personal loans, 276 in the last 12 months (+35%). Upstart answered 99.6% on time and closed 2% with relief. See the whole Upstart record.

Upstart against other personal & payday lenders

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466

Every lender ranked

Latest Upstart payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Jun 16, 2026Payday & personal loansStruggling to pay your loanINExplainedYes
Jun 12, 2026Payday & personal loansIncorrect information on your reportAccount information incorrectGAExplainedYes
Jun 12, 2026Payday & personal loansProblem when making paymentsRIExplainedYes
Jun 7, 2026Payday & personal loansWas approved for a loan, but didn't receive the moneyWIExplainedYes
Jun 5, 2026Payday & personal loansProblem when making paymentsNCExplainedYes
Jun 3, 2026Payday & personal loansCharged fees or interest you didn't expectLAMoney backYes
May 30, 2026Payday & personal loansProblem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phoneCAExplainedYes
May 30, 2026Payday & personal loansCharged fees or interest you didn't expectSCExplainedYes
May 29, 2026Payday & personal loansProblem when making paymentsNYExplainedYes
May 29, 2026Payday & personal loansCharged fees or interest you didn't expectLAExplainedYes
May 28, 2026Payday & personal loansIncorrect information on your reportAccount information incorrectNCExplainedYes
May 21, 2026Payday & personal loansProblem with a company's investigation into an existing problemProblem with personal statement of disputeTXExplainedYes
May 20, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
May 20, 2026Payday & personal loansGetting the loanMDExplainedYes
May 17, 2026Payday & personal loansStruggling to pay your loanNMExplainedYes
May 17, 2026Payday & personal loansStruggling to pay your loanNYExplainedYes
May 17, 2026Payday & personal loansStruggling to pay your loanGAExplainedYes
May 16, 2026Payday & personal loansGetting a line of creditGAExplainedYes
May 15, 2026Payday & personal loansProblem with the payoff process at the end of the loanOHExplainedYes
May 15, 2026Payday & personal loansProblem with additional add-on products or servicesTXMoney backYes
May 14, 2026Payday & personal loansIncorrect information on your reportAccount information incorrectNCExplainedYes
May 14, 2026Payday & personal loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportMDExplainedYes
May 13, 2026Payday & personal loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportCAExplainedYes
May 9, 2026Payday & personal loansIncorrect information on your reportInformation is missing that should be on the reportFLExplainedYes
May 9, 2026Payday & personal loansCharged fees or interest you didn't expectCOExplainedYes
May 9, 2026Payday & personal loansGetting a line of creditNJExplainedYes
May 8, 2026Payday & personal loansIssues with repaymentFLExplainedYes
May 6, 2026Payday & personal loansIncorrect information on your reportAccount status incorrectNYExplainedYes
May 6, 2026Payday & personal loansProblem when making paymentsNCExplainedYes
May 6, 2026Payday & personal loansProblem when making paymentsVAExplainedYes

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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