Are Upstart personal loans a good option?

Hi, everyone! A personal loan offer from Upstart just came in, and it looks like a good way to consolidate my high-interest credit card debt. They pre-approved me for $15,000 at a 9% APR with a 3-year term, which is much better than the 22% interest on my cards.

Some reviews online mention hidden fees or issues with customer service, so I’m a little hesitant. Has anyone here used Upstart? Were there any unexpected surprises during the process, like extra fees or payment problems?

This loan could save me quite a bit in interest, and I feel confident about making the payments, but I’d love to hear from others before committing. Thanks for sharing your experiences.
 
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