A smarter loan. You earned it. Upstart is an online lending platform that uses data to bring together high potential borrowers and investors.
Cost / License
- Free
- Proprietary
Platforms
- Online

Affirm is described as 'Offers easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay' and is an app. There are eight alternatives to Affirm for a variety of platforms, including Web-based, Android, iPhone, Android Tablet and iPad apps. The best Affirm alternative is Upstart, which is free. Other great apps like Affirm are Splitit, CommonBond, Karrot and Vouch.
A smarter loan. You earned it. Upstart is an online lending platform that uses data to bring together high potential borrowers and investors.

Splitit allows consumers to split transactions into monthly payments on their existing credit cards - Available on Magento Woocommerce & Shopify.
CommonBond is an online lending company that makes education finance better. Through CommonBond, our members gain access to a robust suite of low fixed- and variable-rate student loan products to refinance existing student loans after graduation or to finance an MBA while in...
With Vouch loans you are more than a credit score, because you create a network of people who sponsor you. Sponsor people you trust and invite people to sponsor you. When people sponsor each other they can help each other get better loans.
Afterpay is a "buy now, pay later" app that lets users split purchases into four interest-free payments or monthly installments, offering exclusive deals and easy order management.




Earnest is a technology enabled lender that rewards financially responsible people with better rates than traditional lenders.
FundMore-ai is an automated underwriting system that uses machine learning to streamline the pre-funding process for loans.
