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Checking your rate through Upstart doesn’t affect your credit score.¹

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1. Upstart is not the lender for this product. All loans on Upstart's marketplace are made by regulated financial institutions.

2. 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.