Loan Amount : $1,000 to $50,000

  • Credit Score : Good to Excellent
  • Loan Term : 36 to 60 months
  • APR : From 9.57% to 29.99%
Terms and conditions apply


Check your rate in 2 minutes
Just answer a few quick questions about your education and employment.

Accept your terms and get your money the next day†
After your application is approved, you’ll have a chance to review and accept your loan. See rates and fees

Repay: set it and forget it‡
It’s easy to set up automated monthly payments and there’s no penalty for paying off your loan early.

Key Benefits

Lower Rates
Our borrowers save an estimated 24% compared to their credit card rates**

Quick and Easy
Refreshingly fast process

No Prepayment Penalty
Pay your loan off at any time

Secure Process
We protect and never sell your data



Loan Amount : $1,000 to $50,000

Terms and Conditions Apply


* The average 3-year loan on Upstart will have an APR of 19% and 36 monthly payments of $34 per $1,000 borrowed. There is no down payment and no prepayment penalty. The average APR on Upstart is calculated based on 3-year rates offered in the last 1 month. Your APR and loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

** Estimated savings are calculated based on the credit profiles of all loans originated as of June 1, 2018 in which the funds were used for credit card refinancing. Upstart calculates estimated savings by deriving current credit card APR using minimum monthly payment and 1% of the principal balance. Upstart then compares estimated credit card APR to Upstart APR to determine median savings per borrower. To evaluate savings on a loan you are considering, it is important to compare your actual APR from your existing debt to the APR offered by Upstart.

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