Upstart has a higher borrowing limit compared to Discover personal loan. You can also use the loan for a variety of purposes. Another key difference is the rates, which are far higher compared to Discover. Upstart requires a credit score of at least 600, so it is easier to qualify for a loan, but you do need to demonstrate that you have a regular income or are in full time employment. Upstart can also deliver approval and your funds within one day. So, if you are in need of a quick loan and don’t have a great credit rating, Upstart is likely to be the better choice.