Upstart P2P Lending

An income share agreement was used during the establishment of Upstart and this has helped individuals to raise money for the future. In 2014, the company got rid of Income share agreement and moved towards, the personal loan marketplace. This enabled Upstart to start offering a traditional three-year loan and has also expanded to offer a five-year loan product.

The model of Upstart is learning quickly and accelerating the process of identifying creditworthy consumers. The original model of Upstart only approved thirty-five million people but with the new model, the company can approve more than one hundred million people with deteriorating credit.


Gaining access to your Upstart online account is easy and fast. All you need is to log in where you are a borrower or an investor. To log in, use the steps below:

Step 1 – Click here to open the website in a new tab and then click on the “Log in” hyperlink located on the upper-right side of the screen. You should see a pop-up window with the login fields.

Step 2 – Enter your email address and password that you used during registration and then click on the “Log In” button.

You should have been able to gain access to your account information if the email and password are associated with your online account. Hence, you should be keen when entering your login details to avoid troubles gaining access to your Upstart account.


You shouldn’t trouble yourself in case you have forgotten your Upstart password. All you need is to follow the steps below to recover your password:

Step 1 – If you cannot recall the password for your Upstart online account, press on the “Forgot your password?” link located below the log in button.

Step 2 – Enter the email address that is linked to your Upstart online account and then click on the “Submit” button.

You should receive an email message with instructions on how to set a new password after a short while. Check your email and then follow the guidelines to set a new password. Note that if you need a new confirmation email you can click on the “Need new confirmation email?” hyperlink.


Step 1 – Open the site in a new tab by clicking here and the press on the “Log in” hyperlink located on the upper-right side of the screen. You will need to log into your Upstart online account in order to submit payment online.