Upstart Personal Loans are designed for anyone seeking fast funding—even for those with little or no credit history. With loan amounts ranging from €940 up to €70,300 and interest rates that start at 6.5% APR, Upstart offers both flexibility and speed for urgent needs. Most approved applicants receive funds as soon as the next business day, making it an ideal choice for handling unexpected costs swiftly.

How to Apply: Step by Step

1. Fill in an online application with your personal and financial details.
2. Receive a rate estimate without a hard credit pull.
3. Upload any required documentation if prompted.
4. Undergo a final review and soft credit check.
5. On approval, accept your loan agreement digitally.
6. Get funds directly to your bank account, often the next business day.

Pros at a Glance

Upstart’s standout feature is accessibility: even applicants with low or no credit history may qualify. This inclusivity opens doors for many who might struggle elsewhere. Additionally, the quick funding process—often within 24 hours—means pressing expenses can be met without delay.

The straightforward online process saves time, while transparent term options provide predictability in repayment.

Cons to Consider

Though Upstart is friendly to credit newcomers, it charges an origination fee of up to 12% and late fees if payments are missed. The APR can reach as high as 35.99% for riskier applications.

A €10 fee also applies for getting physical copies of agreements, so borrowers should be aware of potential addon charges.

Our Verdict

For quick, accessible personal loans, Upstart stands out in the Greek market. Its willingness to work with less established credit histories and expedited funding can be a lifesaver. However, applicants should review fee structures and total costs before signing. If speed and accessibility matter most, Upstart deserves your serious consideration.