Where is Upstart available? State availability guide

By Eric Goldschein | Updated August 12, 2026
reading time 5 min read

Key takeaways

  • Loans through Upstart are currently available in 48 states and Washington, D.C., with West Virginia and Iowa the only exclusions as of this writing.
  • Personal loans, Cash LineTM, HELOCs through Upstart Home Lending, and Relief Loans each have their own state availability list, separate from personal loans. 
  • If your state isn’t covered for the product you want, you can check back periodically, since state coverage can change

Loans through Upstart are currently available in 48 states and Washington, D.C. West Virginia and Iowa are the only two states where loans through Upstart aren’t available, due to state lending regulations. 

Below, you’ll find the full state-by-state breakdown, a look at Upstart’s other products like Cash LineTM and HELOCs, and what to do next if your state isn’t covered.

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Is Upstart available in your state? 

Loans through Upstart are available in 48 states and Washington, D.C. West Virginia and Iowa are the only two exceptions as of this writing. This applies to personal loans specifically; Upstart’s other products, like Cash LineTM and Relief Loan, run on a separate list of excluded states. 

Loan product availability through Upstart by state

The table below covers availability in all 50 states and Washington, D.C. across Upstart products or loan options:

  • Personal loans
  • Cash LineTM
  • Auto-secured option for personal loans (this option may be offered during the personal loan application for vehicle owners, not a separate product)
  • HELOCs
  • Relief Loans

Note: Auto loan refinancing is no longer offered through Upstart as of 2026.

You can find your state, then check the column for the loan availability by specific product you want. 

State Personal Loan Cash LineTM Auto-Secured

Personal Loan

 HELOC Relief Loan
Alabama Yes Yes Yes Yes Yes
Alaska Yes Yes Yes Yes Yes
Arizona Yes Yes Yes No Yes
Arkansas Yes Yes Yes Yes Yes
California Yes Yes Yes No Yes
Colorado Yes No No Yes No
Connecticut Yes No No Yes No
Delaware Yes Yes Yes No Yes
District of Columbia Yes No No Yes No
Florida Yes Yes Yes Yes Yes
Georgia Yes No Yes No No
Hawaii Yes Yes Yes No No
Idaho Yes Yes Yes Yes Yes
Illinois Yes No Yes No Yes
Indiana Yes Yes Yes Yes Yes
Iowa No No No Yes No
Kansas Yes Yes Yes Yes Yes
Kentucky Yes Yes Yes Yes Yes
Louisiana Yes No Yes Yes Yes
Maine Yes No No Yes No
Maryland Yes No No Yes No
Massachusetts Yes No Yes No No
Michigan Yes Yes Yes Yes Yes
Minnesota Yes Yes Yes No Yes
Mississippi Yes Yes Yes Yes Yes
Missouri Yes Yes Yes No Yes
Montana Yes Yes Yes Yes Yes
Nebraska Yes Yes Yes No Yes
Nevada Yes No No No No
New Hampshire Yes No Yes No Yes
New Jersey Yes Yes Yes Yes Yes
New Mexico Yes No Yes No Yes
New York Yes No No No No
North Carolina Yes Yes Yes Yes Yes
North Dakota Yes Yes Yes No Yes
Ohio Yes Yes Yes No Yes
Oklahoma Yes Yes Yes Yes Yes
Oregon Yes Yes Yes No Yes
Pennsylvania Yes Yes Yes No Yes
Rhode Island Yes Yes Yes No Yes
South Carolina Yes Yes Yes Yes Yes
South Dakota Yes Yes Yes Yes Yes
Tennessee Yes No Yes Yes Yes
Texas Yes Yes Yes No Yes
Utah Yes Yes Yes Yes Yes
Vermont Yes No No No No
Virginia Yes Yes Yes No Yes
Washington Yes No Yes Yes Yes
West Virginia No No No Yes No
Wisconsin Yes No Yes Yes No
Wyoming Yes Yes Yes Yes Yes

State availability data shown above is current as of June 2026 and may change without notice. Check your rate to confirm the most accurate, up-to-date information for your state. Checking your rate uses a soft credit inquiry and won’t affect your credit score¹.

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Is Cash LineTM available in your state?

Cash LineTM is a personal line of credit delivered through Upstart mobile App. It’s a newly launched product that’s actively expanding to more states: as of this writing it’s unavailable in 19 states plus Washington, D.C., though that list should shrink as rollout continues. Check the Cash LineTM app directly for current availability in your state. 

Is the auto-secured personal loan option available in your state?

The auto-secured option for personal loan isn’t a separate product or a separate application. If you own a vehicle, Upstart’s personal loan application may offer you the option to use it as collateral. That option runs on its own state footprint, separate from the standard personal loan, and is currently unavailable in 10 states and D.C., including Colorado, Iowa, Maryland, Nevada, and New York, even where the personal loan itself is offered. It’s also different from auto loan refinancing, which is no longer available through Upstart.

Is a HELOC available in your state?

A HELOC through Upstart Home Lending is currently offered in 29 states and Washington, D.C., according to Upstart Mortgage’s eligibility page. If your state isn’t on that list, a HELOC isn’t available yet.

Is a Relief Loan available in your state?

A Relief Loan is Upstart’s smaller, hardship-focused product, built for people who need a modest amount of cash quickly. This loan product is unavailable in 14 states and Washington, D.C., including New York, Massachusetts, and Georgia.

Why isn’t Upstart available in West Virginia and Iowa?

Upstart is currently unavailable in West Virginia and Iowa due to state-specific lending regulations and partner bank licensing limits.

Lenders on Upstart’s platform have to be licensed to originate loans in each state. Currently, there is no participating lender on the Upstart platform licensed in the two states. If you live in those two states, you can check back later as we are working to expand access.   

How to check your eligibility for loans through Upstart

The fastest way to find out where you stand is to start an application directly on Upstart.com or in the Upstart app. You’ll enter your state early in the process, since it’s one of the first checks the platform runs, and confirming your rate at that stage uses a soft credit inquiry that won’t affect your credit score¹. 

What should I do if Upstart isn’t available in my state?

You can check back periodically, since state coverage can change, and use the time to strengthen your credit history, income documentation, and employment stability so you’re ready to apply the moment it opens up.

What factors Upstart’s underwriting model looks at

Beyond your location, Upstart’s underwriting model looks at more than 2,500 variables13, including credit history, current income, and employment status, to make a decision. 

If you’re in an eligible state and want to strengthen your odds before applying, paying down revolving balances and avoiding new hard inquiries in the weeks beforehand tend to have the biggest impact. 

If you’re in an excluded state, working on those same factors now means you’ll be in a stronger position the moment coverage opens up.

*This content is general in nature and provided for informational purposes only. This content is not specific to Upstart, except where explicitly stated. This content may contain references to products and services offered through Upstart’s credit marketplace. Upstart is not a financial advisor and does not offer financial planning services.

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About the Author

Eric Goldschein

Eric is a writer, editor, and editorial strategist with over a decade of experience covering topics including personal finance and real estate. He has written for publications including, NerdWallet, and Business Insider. He is a graduate of the University of Pittsburgh, and lives in Brooklyn, New York.

See if Upstart is right for you

Check your rate lock Won't affect your credit score¹

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.

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.