Most Praised Features Most Common Complaints Tom Brennan, director of communications at Upstart, had the following comment in response to these negative reviews: "Upstart is dedicated to delivering a positive experience for our customers, which includes offering robust support to address any issues that may arise in the lending process. Live customer service agents respond to both our helpline and email. A final 'hard credit pull' before the loan agreement is signed can result in a denial if additional information is found. Upstart works to ensure the most accurate and fair decisioning to best serve our lending partners." *Reviews are aggregated from Trustpilot, the Better Business Bureau, Consumer Affairs, WalletHub and Best Company. Read our customer review methodology to learn more.