1.This information is accurate for Upstart as of 12/31/2025. Among top reviewed alternative financial service companies on trustpilot.com.
2.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 18.60% and a 7.82% origination fee of $782, for an APR of 22.69%. In this example, the borrower will receive $9218 and will make 60 monthly payments of $259. APR is calculated based on 5-year rates offered in December 2025. 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.
3. In December 2025, 66% of Upstart customers had the funds transfer initiated in 24 hours upon approval and signing the promissory note. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
4. 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.
5. 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.
6. The majority of unsecured loan applicants on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents, however final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer wait times if additional documentation is required for review.
7. As of 12/31/2025, across the entire Upstart marketplace.
8.To evaluate savings, it is important to compare your APR and remaining term from your existing loan to the APR and term offered through Upstart.
9.In December 2025, the majority of rate checks were completed with debt consolidation or credit card refinancing as the reported use of funds.
10.Neither Upstart nor its lending partners have a minimum educational attainment requirement in order to be eligible for a loan.
11.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
12.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.
13. As of 12/31/2025, over 2.7 million borrowers have selected debt consolidation or credit card refinancing as their use of funds.
Upstart Network, Inc. NMLS #936133. Upstart is not the lender for this product. All loans on Upstart’s marketplace are made by regulated financial institutions.
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