Personal Loan from Upstart

Personal Loan from Upstart - see full info about rates, terms, credit score.

Updated April 23, 2022
3.84 out of 5
Check rates
On Upstart‘s site

Check your personal loan rates

scorer
APR Range
3.5 - 35.99%
scorer
Amount
up to $50,000
scorer
Term
up to 60 months
scorer
Minimum credit score:
Fair (580-669)
scorer
No early payoff penalty

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Options

  • Loan purpose:
    Personal Loan
  • Lender:
  • Credit Level:
    Fair (580-669)
  • When funds are available:
    1 business day.

Fees

  • Origination fee
    8%
  • Early payment fee
    No early payment fee.
  • Late fee
    5%
  • Returned check fees
    $15

Pros & Cons

Pros:
  • No prepayment penalty
  • Next day funding
Cons:
  • Origination Fee
  • Extra Fees

Rates

Rates
3.5 - 35.99%
Term
36 - 60 months
Loan Amount
$1,000 - $50,000
Special conditions in the states listed below:
  • Georgia have a minimum loan amount of $3,100
  • Hawaii have a minimum loan amount of $2,100
  • Massachusetts have a minimum loan amount of $7,000
  • New Mexico have a minimum loan amount of $5,100
  • Ohio have a minimum loan amount of $6,000
List of states where Upstart loan is not available:
  • Iowa
  • West Virginia
View all Rates & Fees

Requirements

  • What you need to get approved (Qualifications)
    FICO® score 580 or higher.
  • Ages

    You need to be 18 or older and a U.S. citizen.

  • Requirements Description
    • Personal information (Name, Address, Phone Number, Date of Birth, Social Security Number)
    • Income Particulars (Income Type, Pay Method, Pay Frequency, Monthly Income)
    • Banking Details (Account Type, Account & Routing Numbers, Age of Account)

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4.09 out of 5
Recommended credit score
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  • 5.94 - 35.97 %
    APR
  • 3 - 5 years
    Loan Term
  • $1,000 - $50,000
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Recommended credit score
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Good (670-739)
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5 out of 5
Recommended credit score
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Description

  • Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

    The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

    Borrowers need credit scores of 580 or higher.

    Upstart offers fixed-rate APRs that vary from 3.50% to 35.99%. Loan terms are available for 3 or 5 years.

    The origination fee ranges from 0% to 8%.

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