Welcome from

A smarter personal loan.

Check your rate in 5 minutes.

Won't affect your credit score!††

Why Upstart is Different

Most borrowers on the Upstart platform are

instantly approved²


vs multiple credit card payments

1 monthly payment

1,000+ data points

beyond your credit score

Loans from

$1,000 - $50,000¹

Consolidate credit card debt with ease.

Get your rate

Fill out a form to check your rate in 5 minutes

Get approved

Most borrowers are instantly approved² for 3 or 5 year terms³

Example offer for illustrative purposes only

Get your funds

99% of personal loan funds are sent 1 business day after signing⁴

Say goodbye to paying off your credit card.

And hello to living your life.

Won't affect your credit score!††

†† When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.


¹ Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000), NM ($5,100), OH ($6,000).


² The majority of borrowers on the Upstart platform are able to complete the application process automatically without providing additional supporting documents, however final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer wait times if additional documentation is required for review.


³ The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 24.71% and 60 monthly payments of $26.35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $15,808 including a $591 origination fee. APR is calculated based on 5-year rates offered in April 2022. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.


⁴ If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.


Upstart Privacy Policy

Equal Housing Opportunity

Copyright © 2012 - 2021 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403