A smarter way
to shop for loans

See rates from leading lenders in one place.

The easiest way
to compare rates

compare offers from leading lenders
Compare leading
One place to see loan offers from leading lenders
smarter rates than traditional loans
You are more than your credit score. A loan through Upstart considers your education, work experience, and more
quick and easy rates online
Quick and
Check your rates online in less than 5 minutes
safe and secure information
Safe and
Security of your information
is our priority

Upstart FAQ


What is a personal loan?

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.


Can I see loan offers from multiple lenders?

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.


Will checking my rate affect my credit score?

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.


How should I compare loan offers?

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!


What are “smarter rates”?

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!

1 When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

2 Compare is not offered in MD, MA, NE, or NV. All loans in these states are made by Cross River Bank.