Upstart App: How It Works and Where to Get It

Key takeaways

The Upstart app is a free download on the Apple App Store that lets borrowers check application status, make payments, and access Cash Line™
Cash Line™ is available within the Upstart app, so there’s no separate download.
Once you’re signed in, you can manage your account, make payments, and stay up to date on your loan from your phone.

The Upstart mobile app gives borrowers a convenient way to manage a loan through Upstart from their iPhone. You can check your application status, make payments, and access Cash Line™ in the app, all without calling or emailing support.

The app is designed for borrowers with an existing loan through Upstart or an application in progress. Here, you’ll learn how to download the app, sign in, use its key features, and troubleshoot common issues.

What Is the Upstart App and Where to Get It

The Upstart app lets you apply for a personal loan and manage your account from your phone after you’ve applied for or received a loan through Upstart. From the app, you can check your application or loan status, make payments, view account details, and access Cash Line™.

The Upstart app is currently available to download through the Apple App Store. The Upstart mobile app is not yet available for Android devices, but an Android version is planned for the future. If you’re using an Android device, you can manage your account through Upstart’s website instead of a native app.

Using the app makes it easy to stay on top of your account without contacting customer support for routine tasks like checking your balance, confirming a payment, or viewing your application status. upstart app

Does Cash Line™ Have Its Own App?

No, Cash Line™ doesn’t have its own app. Cash Line™ is available within the Upstart app and isn’t a separate download.

Once you’re signed in, you can access Cash Line™ from the same app you use to check your application status, make payments, and manage your account. cashline app

How to Download the Upstart App

Downloading the Upstart app only takes a few minutes.

Open the App Store on your iPhone.
Search for “Upstart.”
Download and open the app
Sign in with your existing Upstart account, or create an account if you’re a new user.
Set up Face ID, Touch ID, or a passcode for faster, more secure access if you’d like.

If you’re using an Android phone, sign in through Upstart’s mobile website to manage your account.

How to Set Up Your Upstart Account and Log In

If you already have an Upstart account, sign in with the same email address and password you use online.

If you’re new to Upstart, you can create an account after applying online or through the app.

If you’ve forgotten your password, select the password reset option from the login screen and follow the instructions sent to the email address associated with your account.

For added convenience, you can enable Face ID, Touch ID, or a passcode after signing in so you don’t have to enter your password every time you open the app. These features add an extra layer of protection by helping ensure that only someone with access to your device can open the app.

What You Can Do in the Upstart App

Once you’re signed in, you can manage many of your day-to-day account tasks in one place, including:

Check your application or loan status.
Make one-time or scheduled payments on a loan through Upstart.
View your payment history, current balance, and next payment due date.
Access Cash Line™ in the app without downloading anything separately.
Update your contact information or linked bank account.

Troubleshooting Common App Issues

If you’re having trouble using the Upstart app, these steps can help resolve the most common issues.

Your login isn’t working. Make sure you’re signing in with the email address associated with your account. If needed, reset your password and confirm you’re using the latest version of the app.
You don’t see certain loan options. This usually reflects product availability, which can vary by state, rather than an issue with the app itself.
You’re not receiving a verification code. Check your spam or junk folder, then request another code before contacting support.
Your payment hasn’t appeared yet. Payments may take some time to process, so wait before assuming there’s an issue with your account.

If you’re still experiencing problems, try signing out and back in, restarting the app, or reinstalling it before contacting Upstart support.

Keeping Your Account and Information Secure in the App

Always download the Upstart app from the official Apple App Store. Avoid third-party downloads or apps with similar names that aren’t affiliated with Upstart.

You can also help protect your account by following a few simple security practices:

Enable Face ID, Touch ID, or a passcode to secure access to the app.
Be cautious of phishing emails or text messages asking for your login credentials.
Review your account activity regularly and report anything you don’t recognize.

If you’re using an iPhone, download the Upstart app from the App Store to manage your account on the go. If you’re using Android or a desktop computer, you can access your account through upstart.com.

Frequently Asked Questions

What can you do on the Upstart app?

You can apply for a personal loan, check your application or loan status, make payments, view your payment history and balance, access Cash Line™ in the app, and update certain account information.

Is the Upstart app safe to use?

The Upstart app is designed to help you manage your account securely. For the best protection, download it only from the official Apple App Store, enable Face ID, Touch ID, or a passcode, and never share your login credentials in response to unsolicited emails or text messages.

Does checking your rate on the Upstart app hurt your credit score?

Checking your rate through Upstart typically involves a soft credit inquiry, which doesn’t affect your credit score¹. If you move forward with a loan application, a hard credit inquiry will be required.

Can you make loan payments through the Upstart app?

Yes. You can make one-time payments or schedule future payments directly through the app.

Is the Upstart app available for both iPhone and Android?

The Upstart app is currently available for iPhone. Android users can manage their account through Upstart’s mobile website.

How do I log in to the Upstart app?

Sign in using the same email address and password you use for your online Upstart account. You can also enable Face ID, Touch ID, or a passcode for faster access after logging in.

What should I do if the Upstart app login isn’t working?

First, make sure you’re using the correct email address and password. If that doesn’t work, reset your password and confirm you’re using the latest version of the app before contacting support.

What do Upstart app reviews say?

The Upstart app currently holds a 4.9-star rating on the Apple App Store, based on more than 40,000 ratings, though ratings can shift over time. Reviewers often cite the fast, fully online application process, while some note that interest rates and origination fees can run higher than expected.

Does Cash Line™ have its own app?

No. Cash Line™ is available within the Upstart app and doesn’t require a separate download.

Does checking your Cash Line™ eligibility affect your credit score?

Checking your eligibility will involve a soft credit inquiry, which doesn’t affect your credit score¹. If you decide to move forward, a hard credit inquiry will apply.

Upstart Network, Inc. (NMLS #936133) is not a lender. All loans on its marketplace are made by regulated financial institutions.

All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. (NMLS #2443873). Equal Housing Opportunity.

Checking your rate won’t affect your credit score: 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.
Upstart’s model considers education: Neither Upstart nor its lending partners have a minimum educational attainment requirement in order to be eligible for a loan.
41% more approvals and 33% lower rates than a traditional model: As of publication in April 2026, and based on a comparison between the Upstart model and a hypothetical traditional model using Upstart data from Jan – Dec 2025. For more information on the methodology behind this study, please see Upstart’s Annual Access to Credit results here.
Unsecured Loans: While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. There may be an option to secure your personal loan through Upstart with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your promissory note for these details before accepting your loan.
Loan amounts from $1,000 – $75,000: Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($1,500), MA ($7,000). Maximum loan amounts may vary by state.
Closing and funding timeline: In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less and a funding timeline of 7 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2025 Home Lending Study reports an average industry closing time of 37 days.
APRs from 6.3% – 35.99%, with 3 or 5 year terms: The full range of available rates varies by state. The lowest rates are only available to the most qualified applicants. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 19.08% and a 8.15% origination fee of $815, for an APR of 23.37%. In this example, the borrower will receive $9185 and will make 60 monthly payments of $261. APR is calculated based on 5-year rates offered in June 2026. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Instant deposits: To receive instant funding, your bank account must support instant transfers. If your account does not support instant transfers, funds will be available to you depending on your bank’s transaction processing time and policies.
Always On Commitment: We are committed to maintaining your credit limit as long as you continue to meet program eligibility and account requirements. To ensure the safety and security of all our members, we reserve the right to adjust or close lines in specific circumstances, including account default or late payments, suspected fraud, violation of our terms of service (including abusive behavior), or when necessitated by legal or regulatory requirements.
Cash Line draws: You may request a draw at any time. Only one draw may be outstanding at a time; after it is fully repaid, you may request another.
HELOC APRs as low as 6.52%: Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of June 2026. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate (“APR”) is variable and based on the Prime Rate as published in the Wall Street Journal “Money Rates” table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required.
No annual fee, prepayment penalty, or fees to redraw: Terms shown here are subject to change without notice. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate (“APR”) is variable and based on the Prime Rate as published in the Wall Street Journal “Money Rates” table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required.
3,000+ Variables: As of 6/30/2026. “Variables,” often also referred to as “features,” refers to raw variables and combined variables considered in our AI models. A “raw” variable is a non-combined, conceptually distinct unit of data, such as “applicant-reported savings.” A “combined” variable is data that has been transformed, combined, or otherwise engineered from a raw variable or set of raw variables, such as “applicant-reported savings” divided by “loan amount.”
Fully automated loans: In Q2 2026. Percentage of Loans Fully Automated, which is defined as the total number of loans in a given period originated end-to-end (from initial rate request to final funding for personal loans and small dollar loans, and from initial rate request to signing of the loan agreement for auto loans) with no human involvement required by the Company divided by the Transaction Volume, Number of Loans in the same period.
One business day: If you accept your loan by 5pm ET (not including weekends or holidays), your funds will be sent on the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
Best rates guarantee, $200 gift card offer terms: If you are approved by Upstart Mortgage but receive a lower rate somewhere else, we will give you $200. Discounted, introductory, temporary, or promotional rates are not eligible. Rates claims are based on median rates within substantially all FICO/CLTV bands across multiple November 2024-March 2026 HELOC securitizations. See full Terms and Conditions.