Personal Loan from Upstart
Personal Loan from Upstart - see full info about rates, terms, credit score.
Updated April 23, 2022
Check rates
On Upstart‘s site
Check your personal loan rates
APR Range
3.5 - 35.99%
Amount
up to $50,000
Term
up to 60 months
Minimum credit score:
Fair (580-669)
No early payoff penalty
See full info about rates in different states
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On Upstart‘s site
Check ratesOptions
- Loan purpose:Personal Loan
- Lender:
- Credit Level:Fair (580-669)
- When funds are available:1 business day.
Fees
- Origination fee8%
- Early payment feeNo early payment fee.
- Late fee5%
- 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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- $1,000 - $50,000Loan Amount
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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%.