Upturn Marketplace

¹ Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding

² Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history and amount, spending activity and other risk-based factors. Your Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your Limit. Your Limit may be increased or lowered at any time by Chime.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Partner Disclaimer

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* Partner Disclaimer: Avant branded credit products are issued by WebBank, member FDIC. Upturn: Upturn is not a lender and does not make loans or credit decisions. The Upturn website does not constitute an offer or solicitation to lend and participation in the Upturn service does not guarantee that you will be approved for any future credit. Upturn is not an agent or representative of any lender and does not endorse you for any service or product.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Partner Disclaimer Patriot Act Disclaimer: The USA PATRIOT ACT is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "Approved" is contingent verification of residence, identity and ability to repay is required. Savings Deposit will be drawn from the checking account provided.

*You may be approved for this card with any credit history or credit score, so long as: you do not have a pending bankruptcy filing that has not yet been discharged by the court, you successfully fund your security deposit, and you meet the Income and Identity Verification requirements mandated by the Federal government for all credit card applications. The program is not currently available in AR, IA, NY, or WI.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Partner Disclaimer Patriot Act Disclaimer: The USA PATRIOT ACT is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "Approved" is contingent verification of residence, identity and ability to repay is required. Savings Deposit will be drawn from the checking account provided.

*You may be approved for this card with any credit history or credit score, so long as: you do not have a pending bankruptcy filing that has not yet been discharged by the court, you successfully fund your security deposit, and you meet the Income and Identity Verification requirements mandated by the Federal government for all credit card applications. The program is not currently available in AR, IA, NY, or WI.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Partner Disclaimer Patriot Act Disclaimer: The USA PATRIOT ACT is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "Approved" is contingent verification of residence, identity and ability to repay is required. Savings Deposit will be drawn from the checking account provided.

*You may be approved for this card with any credit history or credit score, so long as: you do not have a pending bankruptcy filing that has not yet been discharged by the court, you successfully fund your security deposit, and you meet the Income and Identity Verification requirements mandated by the Federal government for all credit card applications. The program is not currently available in AR, IA, NY, or WI.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* Subject to credit approval.

The FIT Mastercard® Credit Card is issued by The Bank Of Missouri, Member FDIC under license from Mastercard® International.

Upturn is not a lender, does not make loans or credit decisions and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender of financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* Lender Disclaimer Limit is subject to approval. By clicking Learn More, you will be redirected to our application page. You can view our Cardholder Agreement located at the bottom of the page for complete "details" of the card.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* Subject to available credit. Subject to credit approval.
The Reflex Mastercard® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard® International.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* Subject to available credit. Subject to credit approval.
The Surge Mastercard® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard® International.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Partner Disclaimer

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Subject to credit approval.
Jora is currently licensed to lend in the following states: UT, MO, NM, SC, DE, ID, WI, ND. Lines of credit available in Kansas and Tennessee. With a Jora Flex Loan, you can obtain a Line of Credit account where you can request Cash Advance(s) up to your Credit Limit, repay principal and Finance Charges. When you need more funds, you can request additional Cash Advance(s) up to your Credit Limit without reapplying. *Rate & Terms: Credit Limit Between $800 and $2,000 for new customers. *Annual Percentage Rate 274.85% (23% Rate + 251.85% Fee). Periodic Annual Interest Rate 23%, calculated and accrued daily, corresponding daily interest rate of approximately 0.063013%. Customary Fee 0.69% per day calculated and accrued daily, corresponding annual interest rate of approximately 251.85%. With a Jora Flex Loan, your Minimum Payment Due, Periodic Interest and Customary Fees are based on your Outstanding Principal Balance. Your Minimum Payment Due will decrease as you pay off your Account Balance.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* Lender Disclaimer: Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, member FDIC; Lending Point, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint´s proprietary scoring and underwriting system´s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled. Payment example: A $10,000 loan with an origination fee of 6% for a period of 24 months with an APR of 24.0980% may have a payment of $529.20 per month (actual terms and rate depend on credit history, income and other factors). The total amount due under the loan terms provided as an example in this disclaimer includes the origination fee financed in addition to loan amount, which is $12,700.80.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* All loans subject to credit review and approval. The product, loan amounts, term and APR amount of the loan that a customer qualifies for may vary based on credit determination and state law. Installment loan amounts typically range from $1,000 to $4,000. APR ranges from 59% to 199%. Installment loan lengths range from 6 to 24 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $395.58. Opploans does not offer credit products in all states. Please refer to “Rates and Terms” at www.opploans.com for additional "details". ** Approval may take longer if additional verification documents are requested. Applications processed and approved before 7: 30 p.m. ET Monday-Friday are typically funded the next business day.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* Partner Disclaimer: This does not constitute an actual commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to enable us to verify your income,assets,and financial condition.Your interest rate and terms for which you are approved will be shown to you as part of the online application process. Most applicants will receive a variety of loan offerings to choose from,with varying loan amounts and interest rates. Borrower subject to a loan origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and Requirements. Example: A loan of $16,000 at 10.99% APR will have a monthly payment of $407 for 48 months.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

* For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% to 35.99%, with the lowest rates for the most creditworthy borrowers.

Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for "details" and all terms and conditions. All personal loans made by WebBank, Member FDIC.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.

Lender Disclosures: To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.Earnest´s fixed rate loan rates range from 3.45% APR (with autopay) to 6.99% APR (with autopay). Variable rate loan rates range from 2.05% APR (with autopay) to 6.49% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.29% and 4.73% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of 10/21/2019 and are subject to change based on market conditions and borrower eligibility. Review loan cost examples at www.earnest.com/rate-disclosures.Autopay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.The information provided on this page is updated as of 10/21/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit www.earnest.com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.Loan fees: Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida residents, a Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.

Upturn is not a lender, does not make loans or credit decisions, and does not offer deposit accounts. The Upturn website and mobile app do not constitute an offer or solicitation to lend or a solicitation of deposits, and participation in the Upturn service does not guarantee that you will be approved for any future credit or deposit account. Upturn is not an agent or representative of any lender or financial institution, and does not endorse you for any service or product.

Advertisements: Advertisements appearing on this site are from third party advertisers. Upturn may receive compensation from such advertisers. Advertisements for products or services may be arranged and ordered on the site in certain ways due to the compensation provided. A wide variety of similar products and services may be available, and these may not represent everything available in the overall market.