Personal loan review
Loans issued by Upstart's bank partners
Upstart personal loans
Best for: Thin or limited credit history
Upstart's lending model looks at more than your credit score, which can help borrowers with limited credit history. Loans range from $1,000 to $75,000 on three- or five-year terms, and funding is usually the next business day.
- Soft-pull rate check
Terms last reviewed October 23, 2026
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Upstart at a glance
- APR range
- 6.3%–35.99%
- Loan amounts
- $1,000–$75,000
- Repayment terms
- 3–5 yearsThree- or five-year terms only
- Origination fee
- Up to 12%Deducted from loan proceeds
- AutoPay discount
- None advertised
- Credit needed
- Poor to goodNo published minimum score
- Time to funding
- Usually the next business day
- Soft-pull rate check
- Yes
- Joint applications
- No
- Pays creditors directly
- Check with lender
- Secured loan option
- No
Pros and cons
Pros
- Considers factors beyond credit score
- Soft-pull rate check
- Next-business-day funding is common
- Loans up to $75,000
Cons
- Origination fee can reach 12%
- Only 3- or 5-year terms
- No co-signers or joint applications
What a $10,000 loan could cost
Your rate depends on your credit and finances. Here's the range of monthly payments at Upstart's lowest and highest advertised APRs, before any origination fee.
| Term | At 6.3% APR | At 35.99% APR |
|---|---|---|
| 36 months | $306/mo $1,001 total interest | $458/mo $6,487 total interest |
| 60 months | $195/mo $1,684 total interest | $361/mo $11,676 total interest |
Requirements
- Verifiable income or job offer
- US citizen or permanent resident, 18+
- Minimum loan amounts are higher in some states
How to apply
- Check your credit report and score so you know which rates are realistic.
- Check your rate on Upstart's site — it's a soft pull, so it won't affect your score.
- Compare the offer with at least two other lenders on APR and total cost.
- Submit the full application with proof of income and identity.
- Review the final loan agreement, then sign and receive your funds — usually the next business day.
Featured in
- Best Personal Loans of 2026 — Best for limited credit history
- Best Personal Loans for Fair Credit (2026) — Best for thin credit files
Frequently asked questions
Does Upstart do a hard credit check?
Checking your rate with Upstart uses a soft credit inquiry, which doesn't affect your score. A hard inquiry happens when you formally apply.
How fast does Upstart fund loans?
Usually the next business day, once your loan is approved and verified. Timing also depends on your bank.
What credit score do you need for Upstart?
No published minimum score. Lenders also look at your income, existing debts and credit history, so there's no guaranteed approval score.
Does Upstart charge an origination fee?
Yes — Up to 12% of the loan amount. Deducted from loan proceeds
How we compare lenders
Our methodology
We review each lender's published terms and compare them on the four things that matter most to borrowers. Rankings are editorial: partners can't pay for a better position, and any sponsored link is labelled. Lender terms change often, so we show the date each lender was last reviewed.
Cost
Published APR range, origination and other fees, and any AutoPay or Direct Pay discounts.
Flexibility
Loan amounts and term lengths, and whether secured or joint options are available.
Access
Which credit profiles a lender serves, and whether you can check your rate with a soft pull.
Speed & service
How quickly funds arrive after approval, and borrower-friendly features like paying creditors directly.
Rates, fees and terms are as published by Upstart and were last reviewed on October 23, 2026. They can change at any time, may vary by state, and your offer depends on your credit profile. Confirm current details with Upstart before applying. This review is general information, not financial advice.
Alternatives
Other lenders to compare
LightStream
Excellent credit and no fees
- APR
- 7.24%–24.89%
- Amount
- $5,000–$100,000
SoFi
Large loans and fast funding
- APR
- 6.99%–35.49%
- Amount
- $5,000–$100,000
PenFed Credit Union
Low maximum APR and small loans
- APR
- 6.74%–17.99%
- Amount
- $600–$50,000