What Loans Does Upstart Offer? A Complete Breakdown

Key takeaways

Through the Upstart platform, four loan products are available: personal loans, Cash Line^TM, a HELOC through Upstart Home Lending, and Relief Loans, plus an auto-secured option within the personal loan application.
Availability varies by both product and state, so confirm eligibility for the specific loan you want before you apply.
Check your rate in 5 minutes to see if you qualify for any loan product

Through the Upstart lending platform, four loan products are currently available: personal loans, Cash Line^TM, a HELOC through Upstart Home Lending, and Relief Loans, plus an auto-secured option within the personal loan application, which may be offered if you own a vehicle.

Below is a product-by-product breakdown of loan offerings through Upstart, plus what to do if the loan you need isn’t one available through Upstart.

What loans does Upstart offer?

Upstart’s data-driven, AI-powered lending platform connects borrowers with lenders on four loan products shown below:

Product	Loan amount	Availability	Where to apply
Personal loans	$1,000–$75,000⁵	48 states + D.C. (excludes WV, IA)	Upstart.com or the Upstart app
Auto-secured option	$1,000–$75,000⁵ Within the personal loan application	Available in 40 states + D.C.	Upstart.com or the Upstart app
Cash Line^TM	Line of credit ($200 – $500 )	Available in 31 states + D.C.	Within the Upstart app
HELOC(via Upstart Home Lending)	$26,000-$250,000 based on home equity	Available in 29 states + D.C.	upstartmortgage.com
Relief Loans	$200-$2,500 for hardship needs	Excluded in 14 states + D.C.	Upstart.com or the Upstart app

*as of July 2026, product offering may update without notice

Upstart’s flagship product is the personal loan, designed for one-time lump sum needs such as debt consolidation or major expenses. If you own a vehicle, the personal loan application may also offer an auto-secured option, which allows you to use your car as collateral to potentially secure better terms. This is different from auto loan refinancing, which Upstart no longer offers as of July 2026.

Cash Line^TM is a personal line of credit accessible directly through the Upstart app, providing flexible, ongoing access to funds.

A HELOC (home equity line of credit) is originated through Upstart Home Lending, a separate affiliated entity, and allows existing homeowners to tap into their home equity.

Relief Loans are a hardship-focused product designed to provide a modest amount of cash when you face financial challenges. For specific details on product availability in your area, please refer to the state-by-state availability guide.

What is not available on Upstart?

Not all loan types are available through Upstart, knowing what’s off the table upfront can save you time and effort. The following loan products are not available through upstart:

Business loans: While Upstart does not offer dedicated small-business loans, business lines of credit, or SBA products, some lenders on the Upstart platform may allow you to use a personal loan for business purposes. Always review the terms provided by the specific lender you are matched with to ensure the loan purpose is permitted.
Student loans: Upstart doesn’t originate student loans. If you’re looking to refinance student debt, you can work directly with your federal loan servicer or a dedicated student loan refinance company.
Credit cards: Upstart doesn’t issue credit cards of any kind.
First-lien mortgages: Upstart doesn’t offer home-purchase mortgages. The HELOC available through Upstart Home Lending is for existing homeowners tapping equity, not for buying a home.
Payday loans: Upstart doesn’t offer payday loans or other short-term, high-cost credit. The Relief Loan exists as a hardship-focused alternative through the platform instead.

Does Upstart still offer auto loan refinancing?

No. Upstart discontinued auto loan refinancing in 2026. Some third-party websites and AI-generated search summaries still list it as a current option, but that information is outdated. If you already have a loan from the former refinancing program, it continues to be serviced as normal. The change only affects new applications.

However, the auto-secured personal loan option is still available (depending on your state), which lets vehicle owners use their car as collateral.

How to check your eligibility through Upstart

Personal loans, including the auto-secured option, Cash Line^TM, and Relief Loans can all be applied for directly on Upstart.com or in the Upstart app. A HELOC is applied for through Upstart Home Lending at upstartmortgage.com. Checking your rate starts with a soft credit inquiry, which doesn’t affect your credit score¹.

Eligibility, rates, and terms vary by product and by state. Confirming availability before you start an application saves you time, since a product that isn’t offered in your state will show up as ineligible early in the process.

What else affects your eligibility?

Beyond your location, Upstart’s model looks at your credit history, current income, employment status, and, for personal loans, education², to make an approval decision. These factors carry different weight depending on the product: collateral value matters if you use the auto-secured option, and home equity matters for the HELOC.

Which Upstart product fits your situation?

There is no universal best option among Upstart’s products, since the right one depends on your needs and financial situation. If you need a one-time lump sum for debt consolidation or a major expense, a personal loan is a strong fit. If you want ongoing, flexible access to funds, Cash Line^TM, available within the Upstart app, is the option. If you’re tapping home equity, that’s the HELOC through Upstart Home Lending. If you own a vehicle, you may be offered an auto-secured option within your personal loan application. If you’re facing a short-term financial hardship and need a smaller amount fast, the Relief Loan is built for that.

Frequently asked questions

Does Upstart offer business loans?

No. Upstart has no dedicated business loan, business line of credit, or SBA product. If you need business funding, look to a dedicated small-business lender or an SBA-backed program instead.

Does Upstart offer student loans or student loan refinancing?

No. Upstart doesn’t originate new student loans and doesn’t refinance existing ones. For student loan refinancing, work directly with your federal loan servicer or a dedicated student loan refinance company.

Does Upstart offer mortgages?

No, not first-lien, home-purchase mortgages. A HELOC is available through Upstart Home Lending, a separate affiliated entity, but that’s for existing homeowners tapping equity, not for buying a home.

Does Upstart offer payday loans?

No. Upstart doesn’t offer payday loans or other short-term, high-cost credit. The Relief Loan is a hardship-focused alternative available through the platform instead.

Does Upstart offer a HELOC?

Through Upstart Home Lending, a HELOC is available.

Does Upstart offer a personal line of credit?

Yes. Cash Line^TM is a personal line of credit available within the Upstart app. It’s a newly launched product that’s still expanding state by state.

Can I still refinance my auto loan through Upstart?

No. Upstart discontinued auto loan refinancing in 2026. If you see content suggesting otherwise, it’s outdated. This is different from the auto-secured option within the personal loan application, which is still active.

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

All mortgage lending is 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 April 2026, 10% 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 6.2% – 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 17.50% and a 7.25% origination fee of $725, for an APR of 21.23%. In this example, the borrower will receive $9275 and will make 60 monthly payments of $252. APR is calculated based on 5-year rates offered in March 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 April 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.
2,500+ Variables:As of 3/31/2026. “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.