Am I eligible for a loan?

To qualify for a loan, applicants must:

  • Be at least 18 years old;
  • Have a valid email address;
  • Have a verifiable name, date of birth, and social security number;
  • Earn a minimum annual income of $12,000;
  • Meet our lending partners’ minimum credit requirements; and
  • Have a personal bank account at a U.S. financial institution with a routing transit number;
  • Have a full time job, a full time job offer starting within 6 months, a regular part time job, or another source of regular income;
  • Additional requirements may apply.

However, when you check your rate on Upstart, it will not impact your credit score. Please note that not everyone who applies will be approved.

Was this article helpful?