Upstart Personal Loan vs. Discover Student Loans
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover Student Loans
Discover Bank
4.4
APR 4.49–14.99%. No fees. Cash reward for good grades.
Full review →WealthSpott Verdict
Upstart Personal Loan and Discover Student Loans are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
Upstart Personal Loan
Discover Student Loans
APR Range
6.40% – 35.99%
4.49% – 14.99% Best
Loan Amount
$1,000 – $50,000 Best
From $1,000
Term Length
36–60 months
120–180 months
Origination Fee
0–12% of loan amount
None Best
Min Credit Score
300+ Best
660+
Funding Speed
1 business day
—
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
Discover Student Loans
Not sure which loan is right for you?
Browse all loans