Upstart vs LightStream

Upstart LOANS pays 6.20% APR vs. LightStream LOANS's 7.24%. Upstart LOANS wins on rate; LightStream LOANS carries a stronger brand reputation.

Option A

Upstart

6.20%

APR

Min: $1000
Fee: $0/mo

Best for: rate-maximizing savers

Open with Upstart →

Option B

LightStream

7.24%

APR

Min: $5000
Fee: $0/mo

Best for: savers who prefer well-known institutions

Open with LightStream →

How this comparison was built

Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.

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