CarGurus vs. Upstart

New
djQd38

New

djQd38
Mar 19 21 Comments

Have offers from both CarGurus and Upstart. Really leaning towards accepting Upstart based on TC and the work seems exciting and lots of learning and growth opportunities. Also, i’m interested in Fintech and I like the use case for Upstart providing access to more affordable credit using AI. However, I also value work life balance and time with family. Any engineers at Upstart that can give me an idea of your experience so far? Stress level, work load etc. Also, are these offers on par for current market?

CarGurus - Principal Software Engineer
Base: $170k
Stock: $42.5k/yr
Bonus: $25.5k
Sign on: negotiable
TC: $238k

Upstart - Senior Software Engineer
Base: $174k (negotiating higher)
Stock: $87.5k/yr (negotiating higher)
Bonus: $26k
Sign on: negotiable but seems less likely
TC: $287.5

Current TC: 140
YOE: 8

UPDATE:
Upstart (final offer)
Base: $195k
Stock: $98.5k/yr
Bonus: $29.25k
TC: $322.75k
Sign on: $10k

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 TOP 21 Comments
  • Meta
    cryptomas

    Go to company page Meta

    cryptomas
    Are you in US? How can offer for senior so low?
    Mar 19 1
    • New
      Malton

      New

      Malton
      LOL “so low”
      Mar 19
  • Upstart is a no-brainer. They are even fully remote
    Mar 19 0
  • Yext / Eng
    pCIT36

    Go to company page Yext Eng

     pCIT36
    what was your offer from Affirm?
    Apr 22 4
    • Material
      djQd38

      Material

      djQd38
      OP
      No, Upstart gave their final offer first. Affirm said they could do 10k sign on and used that to get Upstart to give a 10k sign on
      Apr 22
    • Yext / Eng
      pCIT36

      Go to company page Yext Eng

       pCIT36
      did Upstart tell you it was their "final offer"? did they give you a deadline to accept after they presented it to you? i'm in a very similar situation--i negotiated with my recruiter and they're coming back soon with an update. however, i have a likely offer coming in next week from a company that might pay higher and i don't want to commit to Upstart yet if i might be able to renegotiate then. any advice?
      Apr 22
  • Affirm gave you 287k ? What’s the final from Upstart
    A lot of BNPL products exists in the market, though affirm does have a first player advantage I don’t really believe in 3X-4X in that space. They are not profitable yet.
    Upstart had a rock solid last year, unique technology, going to get into mortgage ( just entered in auto) and profitable!
    Mar 22 1
    • New
      djQd38

      New

      djQd38
      OP
      No i’m still waiting on final numbers from Upstart and Affirm. But just thinking they will probably come in close and try to match eachother. They both seem like great opportunites, but these are some great points! Thanks!
      Mar 22
  • New / Eng
    4shr

    New Eng

     4shr
    What were the final numbers with upstart?
    Mar 21 1
    • New
      djQd38

      New

      djQd38
      OP
      Still waiting, should have them today. Also found out i’m getting an offer from Affirm so now really unsure which way to go haha
      Mar 21