A smarter way
to shop for loans

An unsecured personal loan is money borrowed from a lender that is not secured by property such as a house or car over a fixed period of time. While most loans through Upstart are unsecured, certain credit unions may place a lien on other accounts you hold with the same institution. It is important to review your promissory note for these details before accepting your loan.

At Upstart, you can see unsecured personal loan offers from leading lenders in one place. Just fill out the online rate check form, view your loan offers from various lenders, and choose the option that works best for you.

Checking your rate on Upstart will not affect your credit score. If you proceed with your application after receiving a rate, your credit score may be impacted. When you check your rate, we make a "soft credit inquiry." Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made. If you are offered a loan and proceed with the application, we will then make a "hard credit inquiry" to verify the accuracy of your application. This action will be recorded as an inquiry on your report and it may impact your credit score.

When comparing loan offers, you should consider:

• The APR: The APR is the annual cost of a loan inclusive both of interest rate and all other associated fees.
• Monthly Payment: This represents the amount of money you will pay back each month for the term of your loan.
• Lender Reviews: You may want to consider lender reviews to find your best match!

You are more than your credit score^™. Your rates should reflect that too! Offers from Upstart-powered lenders consider important details like your education and work experience. We think that’s pretty smart!