Who are Upstart personal loans best for? Best for all credit types If you have excellent credit, you could qualify for Upstart’s lowest rates, which are very competitive. But if you don’t, you may be more likely to qualify for a loan with Upstart relative to other lenders.  Upstart’s AI allows a more personalized and accurate approach to lending by adding more factors to the application algorithm, such as education. These extra factors might better predict who is creditworthy. Additionally, the use of AI can greatly speed up the application process. The result is that more borrowers can be approved…