You are more than your credit scoreTM

You are more than your credit scoreTM

Fair & fast online loans from
$1,000 - $50,000*

Fair & fast online loans from $1,000 to $50,000*

Fair & fast personal loans

Loans from $1,000 - $50,000*

3 & 5 year loan terms with an APR range from 5.22% - 35.99%2

Next day funding

99% of personal loan funds are sent just 1 business day after signing3

No prepayment penalty

You may pay off part or all of the loan at any time with no fee

All loans are from Upstart-powered bank partners. Loans in MD and NV are by Cross River Bank, an FDIC New Jersey state chartered commercial bank.

Upstart is different

Traditional credit scores leave people behind. We use artificial intelligence to expand access to reasonably priced credit.


more approvals

than traditional models5


lower rates

than traditional models5


data points

not just your credit


monthly payment

vs multiple credit
card payments

Check your rate to see the difference

Check Your Rate

Won't affect your credit score1

Upstart in the news

  • Forbes

    Many people are growing increasingly savvy and want an alternative to high interest credit cards

  • The Wall Street Journal

    Upstart’s model has expanded credit access, and encouraged other lenders to explore ways to lend to more people with no or limited credit history

Upstart is fast

Upstart is fast - step 1

Check your rate

Fill out a form to check your rate in minutes

Upstart is fast - step 2

Verify your information

Most borrowers are instantly approved6

Upstart is fast - step 3

Get your money

99% of personal loan funds are sent just 1 business day after signing3

Let us answer your questions

  • 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.

  • faq

    What’s the difference between an interest rate and an APR?

    The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive both of interest rate and all other associated fees. For example, the cost of an origination fee is included in the APR. When comparing loan products, it is important to compare the APR of each product.

  • faq

    How long will it take to get my money?

    Personal loan funds are transferred on the next business day if the terms are accepted before 5pm ET Monday-Friday excluding holidays. If the terms are accepted after 5pm ET, on a weekend, or on a holiday, the funds will be transferred on the following business day provided that funds are not being used to directly pay off credit cards. For loans that are being used for education-related purposes, there is an additional 3 business day period between when you accept your loan and when you will receive the funds.

  • faq

    Will it 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, a "hard credit inquiry" will be completed 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.

  • faq

    Do I pay a fee if I pay off my loan early?

    There is no prepayment penalty for paying off a loan on Upstart early. You may pay off part or all of the loan at any time with no fee. By prepaying, you will pay less overall interest because the loan is outstanding for a shorter time.

Is Upstart right for you?

Check Your Rate

Won't affect your credit score1