You're more than your credit score—Our model looks at factors such as your education⁴ and employment to help you get a rate you deserve.
You can get a personal loan from $1,000 to $75,000⁵.
Choose between personal loans in 3 or 5 year terms, with fixed rates of 6.3% - 35.99% APR.⁶
You can prepay your loan at any time with no fee or penalty.
"You have no idea what that loan did for me. Thank you Upstart for really being that light at the end of a tunnel."
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 As of publication in April 2026, and based on a comparison between the Upstart model and a hypothetical traditional model using Upstart data from Jan - Dec 2025. For more information on the methodology behind this study, please see Upstart's Annual Access to Credit results here.
4 Neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
5 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.
6 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.
7 As of 6/30/2026, across the entire Upstart marketplace.
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.
