A smarter loan.
You earned it.

You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.
Founded by ex-Googlers—fair and fast personal loans
Lower rates

Rates from 8.69% - 29.99% APR

Our borrowers save 26% compared to their credit card rates**

Quick and easy

Quick and easy

Borrow $1,000 - $50,000

No prepayment penalty

No prepayment penalty

Pay your loan off at any time

Secure process

Secure process

We protect and never sell your data

Better rates through better data
There's more to you than your credit score. Your education and job history help us understand more about your future potential, and allow you to get a lower rate.
UpstartOther Lenders
FICO score
Years of credit
Education
Area of study
Job history
Our borrowers save 26% compared to their credit card rates**
A smarter loan in 3 quick steps
A team that's there for you
Our friendly, Silicon Valley-based team is here to help. Call us anytime between 6 AM to 5 PM PST on weekdays and 6 AM to 5 PM PST on weekends.

"Upstart saved me big bucks and helped me build my credit. My financial goals are no longer on hold due to my credit card debt."

Leo
Refinanced credit cards
Testimonials are from actual Upstart customers.
Get your rate in just 2 minutes — it won't affect your credit score!
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** Estimated savings are calculated based on the credit profiles of all loans originated as of June 01, 2017 in which the funds were used for credit card refinancing. Upstart calculates estimated savings by deriving current credit card APR using minimum monthly payment and 1% of the principal balance. Upstart then compares estimated credit card APR to Upstart APR to determine median savings per borrower. To evaluate savings on a loan you are considering, it is important to compare your actual APR from your existing debt to the APR offered by Upstart.

More than 62,000 Upstart loans have been originated as of June 01, 2017.

Images are not actual customers, but their stories are real.

† 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.

‡ While most of our borrowers opt for automated recurring payment for ease of use, we also accept payments by check or one time electronic payments. Borrowers have the flexibility to choose the repayment method that works best for them.

9 out of 10 Upstart users surveyed internally reported that they would recommend Upstart.

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.

Upstart loans are from $1,000 to $50,000. Please note, the minimum loan amount is $6,000 for borrowers in Ohio and $7,000 for borrowers in Massachusetts. The loan amount you qualify for is based upon the information submitted in your application. Not all applicants are eligible for the full amount.