Upstart Personal Loan vs. Sallie Mae Student Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
Upstart Personal Loan and Sallie Mae Student Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
Upstart Personal Loan
Sallie Mae Student
APR Range
6.40% – 35.99%
4.50% – 15.37% Best
Loan Amount
$1,000 – $50,000 Best
From $1,000
Term Length
36–60 months
60–180 months
Origination Fee
0–12% of loan amount
None Best
Min Credit Score
300+ Best
660+
Funding Speed
1 business day
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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
Sallie Mae Student Loan
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