Discover how you can manage your finances better with a personal loan tailored just for you.
At Upturn, we understand that everyone’s financial journey is unique. That’s why we offer personalized loan solutions designed to meet your specific needs. Whether you’re looking to consolidate debt, fund a major purchase, or manage unexpected expenses, we’re here to help you every step of the way.
Why Choose Upturn?
Easy Online Application
Get started with our simple online process. Check your rate in just a few minutes without impacting your credit score.
Fast Funding
Receive funds as quickly as the next business day after approval. 1
Low Rates No Fees
Starting at 7.8% APR2. No origination fees, no prepayment penalties, and no late fees. We’re here to help, not to add to your stress.
Flexible Terms
Choose from a range of loan amounts and terms to fit your needs.
How It Works
Get Your Personal Loan in 3 Simple Steps
1
Check
Your
Rate
Find out what you qualify for in just 5 minutes with no impact on your credit score.
2
Select Your Loan Terms
Choose from loan amounts between $1,000 and $50,000 with terms from 3 to 5 years.
3
Get
Your
Funds
Sign your agreement and receive your money in as little as 24 hours.
1
Check
Your
Rate
Find out what you qualify for in just 5 minutes with no impact on your credit score.
2
Select Your Loan Terms
Choose from loan amounts between $1,000 and $50,000 with terms from 3 to 5 years.
3
Get
Your
Funds
Sign your agreement and receive your money in as little as 24 hours.
Won’t affect your credit score 3
Why Personal Loans?
Unlock Your Financial Potential with a Personal Loan
Debt Consolidation Loans
Combine multiple high-interest debts into a single, lower-rate loan.
Home Improvement Loans
Fund those renovation projects or repairs you’ve been planning.
Medical Expense Loans
Get the financial support you need for medical bills.
Moving Costs Loans
Smooth the transition to your new home with a personal loan.
Credit Card Consolidation Loans
Pay off credit card balances and reduce your monthly payments.
Debt Consolidation Loans
Simplify your debt with a single monthly payment on an affordable, fixed-rate loan.
Why Personal Loans?
Unlock Your Financial Potential with a Personal Loan
Debt Consolidation Loans
Combine multiple high-interest debts into a single, lower-rate loan.
Home Improvement Loans
Fund those renovation projects or repairs you’ve been planning.
Medical Expense Loans
Get the financial support you need for medical bills.
Moving Costs Loans
Smooth the transition to your new home with a personal loan.
Credit Card Consolidation Loans
Pay off credit card balances and reduce your monthly payments.
Debt Consolidation Loans
Simplify your debt with a single monthly payment on an affordable, fixed-rate loan.
FAQ
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Who is Upturn, and why should you trust us?
At Upturn, trust isn’t just a principle—it’s the heart of everything we do. We understand that finding the right path out of debt starts with a genuine connection and understanding of your financial situation. That’s why we focus on listening to your concerns and crafting solutions that work for you. Our reputation is built on delivering real results. With an A+ rating from the Better Business Bureau (BBB) and recognition as a top debt relief provider, we’re here to offer you the best in the industry.
- TopConsumerReviews: Rated #1 for Debt Settlement
- TopTenReviews: Best in Debt Settlement
- ConsumersAdvocate: Top Choice for Debt Relief
- ConsumerAffairs: Leading Debt Settlement Provider
- 46,954 reviews on ConsumerAffairs with a 4.83/5.00 rating
- 31,949 reviews on TrustPilot with a 4.8/5.0 rating
Our success is built on helping thousands of clients every month resolve billions in debt. We are also proud members of the American Association for Debt Resolution (AADR) and hold Platinum Accreditation with the International Association of Professional Debt Arbitrators (IAPDA).
What services does Upturn offer?
At Upturn, we provide more than just debt relief—we offer a complete range of financial solutions to fit your needs. Our Whole Human Finance™ approach connects you with a network of experts offering consolidation loans, credit counseling, bankruptcy referrals, and more. We’ll work with you to assess your financial situation and recommend solutions that align with your goals and circumstances, whether you need immediate relief or long-term financial planning.
How does debt relief with Upturn work?
Our Whole Human Finance™ approach is designed to help you achieve financial freedom in a straightforward and effective way. Here’s how our program works: Instead of paying your creditors directly, you’ll make monthly deposits into a Dedicated Savings Account that you control. As the funds grow, we negotiate with your creditors to reduce your debt. Once agreements are reached, we use your savings to settle the debts for less than you owe. As your debts are resolved, they will be marked as paid in full.
Can I afford this?
At Upturn, we go beyond just ensuring you can afford our services. We take a detailed look at your budget to make sure our debt relief plan will genuinely ease your financial stress. Plus, you have the flexibility to adjust your deposit schedule to keep you in control throughout the process.
How much do Upturn’s services cost?
Our fees are based on a performance model, so you only pay once we’ve successfully negotiated a settlement for you. Our fees are a percentage of the debt enrolled in the program (typically 15-25%), which is a fraction of the interest you might otherwise pay. For example, a client named “Mary” came to Upturn with $22,800 in debt. By setting up a $362 monthly deposit for approximately 48 months, she resolved her debt for about $17,300 instead of an estimated $63,434.
Can I afford your services?
At Upturn, we go beyond just ensuring you can afford our services. We take a detailed look at your budget to make sure our debt relief plan will genuinely ease your financial stress. Plus, you have the flexibility to adjust your deposit schedule to keep you in control throughout the process.
What Our Clients Are Saying
“I was skeptical about taking out a personal loan, but Upturn made it simple and stress-free. They took the time to understand my needs and provided a loan that worked perfectly for me.” – Josephine R.
“Thanks to Upturn, I was able to buy the car of my dreams. The application process was smooth, and I got my funds in just a few days!” – Alexander L.
“Upturn provided excellent service from start to finish. I received a competitive rate and had my funds in no time. I highly recommend them!” – Jacob M.
“Upturn made managing my debt so much easier. The process was straightforward, and I had my funds in no time!” – Sarah L.
“The online application was quick, and the rates were better than I expected. I’m now on track to a debt-free future!” – James R.
Ready to see what you can save with a personal loan through Upturn? Check your rate today and find out how we can help you reach your financial goals. Let’s turn things around together!
Checking your rate won’t affect your credit score.
Footnotes:
1 In March 2024, 62% of Upturn customers received their funds in 24 hours upon approval and signing the promissory note.
2 Upturn powered loans offer rates between 7.8% – 35.99% and terms of 3 or 5 years. The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.08% and an 8.73% origination fee of $873, for an APR of 24.68%. In this example, the borrower will receive $9127 and will make 60 monthly payments of $266. APR is calculated based on 5-year rates offered in March 2024. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
3 Checking your rate will not affect your credit score. If you proceed with your application, a hard credit inquiry will be made, which could affect your credit score. Loan approval and terms are based on your credit score, income, and other factors.
4 When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
5 If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education-related expenses are subject to a 3-business-day wait period between loan acceptance and funding in accordance with federal law.
6 As of October 2023, and based on a comparison between the Upturn model and a hypothetical traditional model. For more information on the methodology behind this study, please see Upturn’s Annual Access to Credit results here.
