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Personal loans through Upstart
Check your rate in 5 minutes and it won't affect your credit score.2
No pre-payment penalty.
33% lower rates than a traditional model.3
Checking your rate won't affect your credit score.2
1 In September 2025, 75% of funded borrowers that signed their promissory note before 11AM PST/2PM EST (not including weekends or holidays) had the funds transfer initiated on the same day. When the funds will be available to you will depend on your bank's transaction processing time and policies.
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.
3 As of publication in April 2025, and based on a comparison between the Upstart model and a hypothetical traditional model using Upstart data from Jan - Dec 2024. For more information on the methodology behind this study, please see Upstart’s Annual Access to Credit results here.