Upstart.com is a legitimate online lender. It has an A+ rating from the Better Business Bureau (BBB) and has been accredited since 2015. Loans are funded by Cross River Bank, an FDIC-insured New Jersey chartered commercial bank. The platform uses GoDaddy software to protect personal information and provides a clear privacy policy on how it collects and shares data. However, it has received some negative reviews and complaints from customers.