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Additional information

Interest Rate (APR)


Loan amount


Loan Terms

36 Months or 60 Months

Min. credit score

Not specified

Financeive’s rating



Upstart is the ideal option for borrowers who:

  • Want to be able to change their payment date.
  • Need cash right away.
  • Don’t require the use of a mobile app to manage their loan.

You can read our full Upstart review to inform your decision-making process.

Upstart Lending Amounts and APRs

Upstart provides fixed-rate personal loans in the $1,000 to $50,000 area.

However, in some states, the minimum may be higher. The following states have greater minimum loan amounts:

  • Massachusetts: $7,000.
  • Ohio: $6,000.
  • New Mexico: $5,100.
  • Georgia: $3,100.

You have 3 or 5 years to repay your debt.

Interest rates vary between %5.35% and 35.99 APR, depending on your credit history, education, work experience, and other factors.

Upstart does not give an interest rate reduction if you set up automatic payments, unlike some other personal lenders.

Even if your credit history isn’t good enough for a credit score, you may be able to become authorized since Upstart doesn’t have a minimum credit score requirement.

You’ll also need a bank account in the United States and a steady source of income. However, there is no stated minimum income requirement.

If you’re qualified and agree to the conditions of the loan, you may get your money the next business day.

Upstart Personal Loans Fees

Personal loans with Upstart can have the following loan fees:

  • A hefty origination fee of up to 8%.
  • A $10 one-time fee to acquire printed copies of your records rather than electronic copies.
  • A $15 fee for a returned check or ACH transaction.
  • Late payment fee of 5% of the unpaid amount or $15, whichever is greater.

How to Qualify For an Upstart Loan

Here are the Upstart personal loan requirements:

  • There is no minimum credit score.
  • No Credit history requirements: None; applicants with credit histories too short to get a FICO score may be accepted.
  • The Minimum yearly earnings is $12,000
  • Full-time employment, full-time job offer starting in 6 months, regular part-time job, or other regular sources of income
  • The borrower must live in the United States (unless military personnel is on active duty).
  • You must be at least 18 years old.
  • A valid email address is required.
  • A personal bank account with a routing number in the United States is necessary.