A moving loan is a smart way to pay for a cross-country move or other moving costs such as truck rental, storage, and more.
Our model considers factors beyond your credit score, like education⁴ and employment, to find you a rate you deserve.
Review moving loan offers with 3 or 5 year terms, and fixed rates of 6.3% - 35.99% APR.⁵
You can pay off your loan early with no fee or penalty.
"Upstart gave me the best rate by far and I really liked that they didn't have a penalty for paying your loan off early."
It takes less than 5 minutes to check your rate—and it won't affect your credit score.¹
Find out if you're approved, instantly with no paperwork required.⁸
Once approved, you could get funds sent in 24 hours or less.²
1 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.
2 If 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 transaction processing time and policies.
3 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.
4 Neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
5 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 19.08% and an 8.15% origination fee of $815, for an APR of 23.37%. In this example, the borrower will receive $9,185 and will make 60 monthly payments of $261. APR is calculated based on 5-year rates offered in June 2026. 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.
6 As of 6/30/2026, across the entire Upstart marketplace.
7 Images are not actual customers, but their stories are real.
8 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.
Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions.
