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 7.74% - 35.99% APR

Our borrowers save an estimated 23% 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 take the safety of your information seriously

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 PartnersOther Lenders
Credit score
Years of credit
Education
Area of study
Job history
Our borrowers save an estimated 23% compared to their credit card rates**
A smarter loan in 3 quick steps
A team that's there for you
Our friendly 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!††
Get Started

* The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart Platform will have an APR of 19% and 36 monthly payments of $35 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. 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.

** Estimated savings are calculated based on the credit profiles of all loans originated by Upstart-powered lenders using the Upstart Platform as of January 1, 2019 in which the funds were used for credit card refinancing. Estimated savings are calculated by deriving current credit card APR using minimum monthly payment and 1% of the principal balance. The estimated credit card APR is then compared to the accepted loan 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 on the Upstart Platform.

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

† 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 in accordance with federal law.

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

§ 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. Loans are not available in West Virginia or Iowa. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5,100. The minimum loan amount in GA is $3,100.