- Get personalized pre-qualified rates from multiple lenders.
- 2 Minute Process
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- Rated A+ by the BBB
When you apply for a personal loan from Upstart, it will not impact your credit score.
The whole process is done online and only requires a few minutes.
Personal loans start at $3,000 and go up to $35,000.
Upstart is a great choice if you have credit card or other high interest debt, a job, and you're looking for a smart way to lower your interest payments.
Upstart lets you check your rate in only a few minutes and you can get your money tomorrow!
Save money, get better rates from Upstart.
Category
Personal loan service
Loan Details
Unsecured personal loans
Yes
Minimum loan amount
$1,000
Maximum loan amount
$50,000
Loan period
3 & 5 year terms
Loan rates
Starts at 4.66% to 29.99%
Upstart Representative Sample
A consumer borrowing $4,000 at a 6% APR over a 24-month period would end up paying a total of $4,254.78.
Application
Online application time
A few minutes
Response times
A few minutes
Qualifications
US citizen or permanent resident
Regular employment
Active bank account
Good credit score
Information Used
FICO
Years of Credit
Education
Area of study
Job history
Upstart Summary
Upstart is a fantastic choice for personal loans.
Their innovative approach makes applying for a personal loan fast and simple.
Unlike traditional loans, applying for a personal loan does not affect your credit score so there is no risk.
Relative to other companies we've reviewed, Upstart offers lower interest rates for its personal loans.
Rates are based on loan grades with lenders classified as AAA (best).
Six months continuous employment is minimum and qualifying for a loan is relatively easy.
Low interest rates and a fast application process make Upstart an attractive option for personal loan shoppers especially if you have a job and want to lower the interest payments you're making.
See our Top 10 Personal Loan Options HERE.
- You: have a college education, a job & good credit
- Upstart: can get you $1,000 to $50,000 tomorrow
- Rates from 4.66%-29.99%, 3 & 5 year terms.
- Applications do not affect your credit score