loans10 min read
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SoFi vs. Upstart 2026: Best Personal Loan for Bad Credit?
SoFi wants a 680+ score and rewards it with unemployment protection and a no-fee option. Upstart's AI model accepts scores as low as 300 but can charge a 12% origination fee. These two barely compete for the same borrower — here's which one is yours.
SmartRates Editorial Team
July 30, 2026