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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
May 6, 2026Payday & personal loansGetting a line of creditCAExplainedYes
May 5, 2026Payday & personal loansIncorrect information on your reportAccount status incorrectILExplainedYes
May 4, 2026Payday & personal loansCharged fees or interest you didn't expectINExplainedYes
May 4, 2026Payday & personal loansProblem when making paymentsTXMoney backYes
May 1, 2026Payday & personal loansCredit monitoring or identity theft protection servicesBilling dispute for servicesCAExplainedYes
Apr 30, 2026Payday & personal loansIncorrect information on your reportAccount information incorrectFLExplainedYes
Apr 30, 2026Payday & personal loansProblem when making paymentsCTExplainedYes
Apr 29, 2026Payday & personal loansProblem with a company's investigation into an existing problemProblem with personal statement of disputeMDExplainedYes
Apr 28, 2026Payday & personal loansStruggling to pay your loanFLExplainedYes
Apr 27, 2026Payday & personal loansIncorrect information on your reportAccount status incorrectHIExplainedYes
Apr 26, 2026Payday & personal loansIncorrect information on your reportAccount status incorrectFLExplainedYes
Apr 25, 2026Payday & personal loansCan't contact lender or servicerCAExplainedYes
Apr 24, 2026Payday & personal loansProblem when making paymentsNYExplainedYes
Apr 22, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Apr 22, 2026Payday & personal loansGetting the loanNJExplainedYes
Apr 21, 2026Payday & personal loansVehicle was repossessed or sold the vehicleNJExplainedYes
Apr 17, 2026Payday & personal loansProblem when making paymentsOKExplainedYes
Apr 15, 2026Payday & personal loansGetting the loanWAExplainedYes
Apr 15, 2026Payday & personal loansImproper use of your reportCredit inquiries on your report that you don't recognizeFLExplainedYes
Apr 14, 2026Payday & personal loansStruggling to pay your loanOHExplainedYes
Apr 14, 2026Payday & personal loansProblem when making paymentsFLExplainedYes
Apr 13, 2026Payday & personal loansStruggling to pay your loanKSExplainedYes
Apr 13, 2026Payday & personal loansStruggling to pay your loanLAExplainedYes
Apr 12, 2026Payday & personal loansProblem when making paymentsTXExplainedYes
Apr 11, 2026Payday & personal loansImproper use of your reportReport provided to employer without your written authorizationTXExplainedYes
Apr 8, 2026Payday & personal loansGetting the loanCAExplainedYes
Apr 8, 2026Payday & personal loansGetting the loanINExplainedYes
Apr 7, 2026Payday & personal loansProblem with a company's investigation into an existing problemProblem with personal statement of disputeTXExplainedYes
Apr 6, 2026Payday & personal loansUnable to get your credit report or credit scoreOther problem getting your report or credit scoreVAExplainedYes
Apr 3, 2026Payday & personal loansGetting a line of creditCAExplainedYes

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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