Upstart

A smarter loan.
You earned it.

You are more than your credit score. Upstart considers
your education and experience to give you the rate you deserve.

$3,000 - $25,000

APR STARTING AT 5.7%

MONEY TOMORROW*

NO PREPAYMENT PENALTY

Founded by ex-Googlers—fair and fast personal loans

APR starting at 5.7%Lower rates

On average, rates are 30% lower than other lenders

Money tomorrow*Money tomorrow

Borrow $3,000 - $25,000Refreshingly fast process

No prepayment penalty

Pay your loan off at any time

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 us to offer you a lower rate.

	Upstart	Other Lenders
FICO Score
Years of credit
Education
Area of study
Job History

A smarter loan in 3 quick steps

1
Check your rate in 2 minutes
Just answer a few quick questions about your education and employment.
2
Accept your terms and get your money the next day
After our team approves your application, you'll have a chance to review and accept your loan. See our rates and fees
3
Repay: set it and forget it
It's easy to set up automated monthly payments and there's no penalty for paying off your loan early.

The rates and fees applicable are determined by your application and summarized in the following table.

Loan Grade	Interest Rate	APR	Origination Fee *
AAA	5.00% - 5.54%	5.67% - 6.21%	1%
AA	5.54% - 6.51%	7.59% - 8.57%	3%
A	6.51% - 9.06%	10.00% - 12.61%	5%
B	9.06% - 11.91%	12.61% - 15.51%	5%
C	11.91% - 14.61%	16.27% - 19.03%	6%
D	14.61% - 25.26%	19.03% - 29.99%	6%

A team that's there for you

Our friendly, Silicon Valley-based team is here to help.
Call us anytime between 6am and 6pm PST.

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

It was a refreshing to work with a financial services company that cared and did everything to make the process fast and simple!

Raymond
Paid off credit cards

The application was simple and I felt like they really cared about me — can’t say the same for other lenders.

Darren
Made a large purchase

A smarter loan. You earned it.

APR starting at 5.7%Lower rates

Money tomorrow*Money tomorrow

No prepayment penalty

Secure process

Rates and fees

A smarter loan.
You earned it.