Upstart

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.

$1,000 - $50,000

Rates from 8.92% - 29.99% APR

3 & 5 year terms*

No prepayment penalty

Founded by ex-Googlers—fair and fast personal loans

Rates from 8.92% - 29.99% APRLower rates

Our borrowers save 23% compared to their credit card rates**

Quick and easy

Borrow $1,000 - $50,000Refreshingly 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 you to get 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 your application is approved, you'll have a chance to review and accept your loan. See 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.

Interest Rate	APR	Origination Fee*
6.82% - 26.75%	8.92% - 29.99%	0% - 8%

Other applicable fees are itemized in our help center.

* The average 3-year loan on Upstart will have an APR of 16% and 36 monthly payments of $34 per $1,000 borrowed. There is no down payment and no prepayment penalty. The average APR on Upstart is calculated based on 3-year rates offered in the last 1 month. Your APR and loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

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

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

Danielle

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

Testimonials are from actual Upstart customers.

Get your rate in just 2 minutes —
it won't affect your credit score!

Get Started

** Estimated savings are calculated based on the credit profiles of all loans originated as of May 1, 2018 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.

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.

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

Upstart loans are from $1,000 to $50,000. Please note, the minimum loan amount is $3,100 for borrowers in Georgia, $7,000 for borrowers in Massachusetts and $6,000 for borrowers in Ohio. The loan amount you qualify for is based upon the information submitted in your application. Not all applicants are eligible for the full amount.

A smarter loan. You earned it.

Rates from 8.92% - 29.99% APRLower rates

Quick and easy

No prepayment penalty

Secure process

Rates and fees

A smarter loan.
You earned it.