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An Upstart Personal Loan could be the right loan for people who have a strong work and education history, but not the best credit score or a limited credit history.
One of Upstart’s main distinctions is its underwriting process, which is the process of deciding who gets a loan and how much to charge in interest. Like any lender, Upstart considers credit scores as part of the process, but also considers employment history and education history such as where you went to school and your area of study.
While this could be an advantage for people with lots of college experience, it may work against borrowers without that experience.