Grace Enfield, Content Writer
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No, Upstart is not a direct lender, so they do not handle the full loan process. Instead, Upstart will consider your loan application, decide if you're approved and then match you with one of their partners, which will fund the loan. You will make your monthly payments to the bank Upstart has partnered you with.
If you're interested in borrowing from a direct lender, you may want to look into Marcus by Goldman Sachs or LightStream. You can use WalletHub's free pre-qualification tool to see which lenders may approve you and what rates may be available to you.
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