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Domain Due Diligence
Report for Upstart.com

Report Date January 8, 2026
Recommendation
Caution
Overall Summary
Suspicious
Why we think so

Upstart.com is a well-established financial services website offering personal and auto loans, powered by AI-driven underwriting. It ranks around #11,909 globally with about 3.6 million monthly visits, mostly from the United States. The site uses a range of reputable technologies including Cloudflare for security and WordPress for content. It is a legitimate business with a domain registered since 1995, managed by Cloudflare, and holds a valid SSL certificate. Upstart has a sizable presence with official contact details, active social media accounts, and positive mentions in recent news about its lending partnerships. Customer reviews are mixed; many praise its quick loan approval and helpful underwriting model, while complaints mainly focus on customer service, credit reporting issues, fees, and payment processing. There is no evidence of blacklisting or phishing threats.

Confidence Score
88%

Risk Insights

🛡️

Strong Domain and Security Setup

Domain registered since 1995 with Cloudflare registrar.
Active SSL certificate verified until April 2026.
Uses Cloudflare for DNS and bot management.
✅

Legitimate Business with Visible Contact Info

Multiple verified corporate emails and phone numbers.
Presence on Google Places with a physical address in San Mateo, CA.
Active social media channels verified.
⚠️

Mixed Customer Reviews

Fast and easy loan process praised by many users.
Complaints on BBB about customer support and fees.
Watch carefully loan terms and billing practices.

Contradictory Signals

The company is genuine, but users report issues that may affect customer satisfaction.

Signal A: Legitimate corporate infrastructure and positive news

Signal B: Numerous consumer complaints about service and fees

Category Scores

Identity 90/100
Reputation 55/100
Technical 95/100
Content 85/100
Legal 80/100
Business Validity 90/100

Red Flags & Warnings

  • Multiple customer complaints about service, fees, and credit reporting issues over recent years.

🔎 Detailed Checks & Analysis

Domain Age and Registrar Verification

Score: 95/100
Passed

"The domain has consistent DNS records and uses Cloudflare's nameservers securely."

Reason: Domain upstart.com is registered since 1995 with Cloudflare, a reputable registrar.

Website Traffic and User Engagement

Score: 90/100
Passed

"Traffic includes a healthy direct and search source mix, indicating genuine user interest."

Reason: Site receives about 3.6 million visits monthly, with majority traffic from the US.

Technology Stack and Security

Score: 95/100
Passed

"Presence of protection against bots and good security hygiene detected."

Reason: The site uses Cloudflare CDN, SSL valid until April 2026, and modern web technologies.

Blacklist and Safe Browsing Status

Score: 100/100
Passed

"Clear indication of no known malware or phishing activity."

Reason: No blacklists or risk flags detected on Google Safe Browsing or crypto scam lists.

Business Validity and Contact Information

Score: 90/100
Passed

"Contact details match registered organization, improving trust signals."

Reason: Upstart displays valid contact emails, corporate office location, phones, and active social media.

Trademark and Brand Legitimacy

Score: 80/100
Passed

"No recent trademark infringement or confusion detected."

Reason: Multiple older 'Upstart' trademarks exist but no conflict with this business's branding.

Customer Feedback and Review Analysis

Score: 40/100
Failed

"These issues raise some concerns about customer experience and transparency."

Reason: Significant complaints about service, fees, and credit reporting have been reported.

Your Next Steps

  • 1
    If considering a loan with Upstart, review the APR, fees, and terms carefully.
  • 2
    Monitor your credit reports for any discrepancies or unauthorized accounts.
  • 3
    Keep detailed records of your loan application and any communications.
  • 4
    Be cautious of unsolicited communications claiming to be from Upstart; always verify through official channels.
  • 5
    Compare loan options from multiple lenders, especially if customer service responsiveness is important to you.

Evidence & Citations

🕵🏻 Keep investigating

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