Upstart: Personal Loans + More

Get the money you need sent in as fast as 24 hours¹. Upstart makes borrowing simple, fast, and transparent. Check your rate in minutes, with no impact to your credit score² ‒trusted by 3M+ borrowers³ and rated 4.9 stars.⁴ Apply for fixed-rate loans from $500 to $75,000.⁵ Lightning Fast Approvals • 90% of funded borrowers received their approvals instantly⁶ — no paperwork required • Funding in as fast as one business day after approval⁷ • Find out if you qualify in minutes Flexible Loan Options • Personal loans: $1K - $75K⁵ for almost anything • Auto refinancing: Lower your monthly car payment • Short-term relief loans: For everyday bills and expenses • Debt consolidation: Combine multiple debts into one easy payment What You Can Do in the App • Check your rate without impacting your credit score² • Compare loan options side-by-side • Track your application status in real-time • Manage your loan and make payments on the go • Get prequalified for future loans • Access customer support 24/7 Why 3+ Million Borrowers Choose Upstart³ • Top rated with industry-leading customer satisfaction • No hidden fees — transparent pricing from day one • Personalized rates based on your unique financial profile About Upstart: Upstart is the partner millions trust to borrow better. We connect customers with our network of banks and credit unions and offer competitive rates. With loan options for personal use, debt consolidation, and auto refinancing, our fixed rates and flexible loan terms make it easy for borrowers to choose Upstart again and again. Plus, we don’t charge prepayment fees. We’re here for you every step of the way with a live, helpful Customer Service team, and easy access to common Help Center FAQs. LEGAL DISCLAIMERS: ¹In June 2025, 65% 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 policies. ²This 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. ³As of 6/30/2025, across Upstart’s marketplace. ⁴As of 6/30/2025 for Upstart on Trustpilot.com ⁵Your 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. Minimal loan amounts for the personal loans product vary by state: GA ($3,100), HI ($2,100), MA ($7,000). ⁶The majority of unsecured loan borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents; 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. ⁷If you accept your loan by 5pm EST (not including weekends or holidays), your funds will be sent on the next business day. When the funds will be available to you will depend on your bank’s policies. ⁸Estimated based on all consumers who were approved for an auto loan through the Upstart platform. In June 2025, the average monthly payment savings amount was $131. To evaluate savings on a loan you are considering refinancing, it is important to compare your APR and remaining term from your existing auto loan to the APR and term offered through Upstart. ⁹In June 2025, 70% of funded borrowers that signed their promissory note before 11AM PST/2PM EST (not including weekends or holidays) had the funds transfer initiated same day. When the funds will be available to you will depend on your bank’s transaction processing time and policies. Upstart Network, Inc. NMLS #936133. Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions.