A Smarter Loan

You are much more than your credit score. But without many years of credit history and work experience, it can be difficult to find a fairly priced loan. Our statistical model considers schools you attended, your area of study, academic performance, and employment history to offer you the loan you’ve earned. Upstart loans are often at interest rates much lower than you’ll find elsewhere.

More than your credit score

Without many years of credit history and work experience, it can be difficult to find a fairly priced loan. Our statistical model considers schools you attended, your area of study, academic performance, and employment history to offer you the loan you’ve earned. Upstart loans are often at interest rates much lower than you’ll find elsewhere.

Education jobs form

Quick and easy

You can check your interest rate on Upstart in just a few minutes and with no commitment. Just provide information such as your academic and employment history, and decide how much you want to borrow. Accept your loan terms by 5:00PM ET and get your money the next day.*

* Private student loans are subject to a 3 day mandatory cancellation period.

Loan terms

Rates and fees

There is no cost associated with applying for a loan on Upstart. If your loan is approved, you will be charged an origination fee, which is taken out of your loan proceeds prior to disbursement. The rates and fees applicable are determined by your application and summarized in the following table.

Loan GradeInterest RateAPROrigination Fee
AAA5.00% - 5.54%5.67% - 6.21%1%
AA5.54% - 6.51%7.59% - 8.58%3%
A6.51% - 9.07%10.00% - 12.61%5%
B9.07% - 11.92%12.61% - 15.52%5%
C11.92% - 14.62%16.28% - 19.05%6%
D14.62% - 25.27%19.05% - 29.99%6%

Other applicable fees are itemized in our help center.