Upstart Personal Loans
Get funded as early as the next business day with APRs from 6.5%. Accepts low or no credit history. Flexible amounts from €930 to €70,000.
Upstart Personal Loans stand out for fast approval and funding, catering to users with low or no credit history. With APRs ranging from 6.5% up to 35.99%, and options for loan terms of 36 and 60 months, applicants in Portugal can benefit from flexible lending. Loan amounts start at €930 and can go up to €70,000 (converted and rounded), making it easier to match your financial needs.
How to Apply
- Go to the Upstart application platform
- Enter your personal and financial details
- Submit the application; soft credit check possible
- Review and accept available offers
- Receive funds in as little as 1 business day
Pros of Upstart Personal Loans
One major advantage is accessibility: Upstart welcomes applicants without established credit history. Approval is quick, and funds are sometimes disbursed by the next working day, providing much-needed financial flexibility. There are also no early payoff penalties.
Cons of Upstart Personal Loans
The main downsides are the origination fee, which ranges from 0% to 12% of the loan amount, and relatively high late fees. While the upper APR is competitive for unsecured loans, it’s still high for those with poor credit. Paper copies of agreements incur extra charges.
Verdict
For those in Portugal needing fast access to cash, including users with little or no credit history, Upstart Personal Loans are an efficient solution. With straightforward terms and rapid funding, this lender provides solid value, as long as you carefully review all fees and conditions before proceeding.
