Upstart personal loans

Upstart uses alternative data, such as your academic history, when making loan decisions to qualify borrowers with low credit for competitive rates.

Recommended FICO® ScoreΘ

Poor - Exceptional

Est. APR6.70 - 35.99%
Term36 - 60 mo
Loan amount$1,000 - $50,000
Est. monthly payment$31 - $1,806
  • Loan amounts from $1,000 - $50,000
  • APRs from 6.7% - 35.99% with loan terms of 3 or 5 years
  • Won't affect your credit score
  • You can have funds in as fast as 1 day
  • You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.
  • Your credit score may be less of a factor in getting approved

  • Low minimum loan amount

  • Quick loan funding

  • Potentially high origination fees

  • Only two repayment terms available

  • No cosigners allowed

Get personalized loan offers based on your credit profile

Upstart personal loan reviews

Opinions are provided by Experian users that are actual loan customers and do not reflect the views of Experian or the lender.

See why you should get your next personal loan through Experian

How to find the best loan for you

With Experian, you can compare personalized loan offers matched to your credit profile from partners like Upstart and more.

Just answer a few questions about the loan you’re looking for so we can match you to your personalized loan offers.

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Compare rates from multiple lenders. Filter by loan term or monthly payments.

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Apply to loans matched to you and get the funds you need.

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Checking your loan options will NOT hurt your credit scores.

Personal loan calculator

Use this calculator to compare loan amounts, rates, and terms to estimate what you'll pay for your loan.

Look for these features when comparing loans

Pre-approval

Check to see if you have pre-approved loan offers in the Experian marketplace.

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No Ding Decline™

When applying for a loan, most lenders will perform a hard inquiry on your credit report which could negatively impact your credit scores. With Experian's No Ding Decline, only a soft inquiry is performed when applying for loans labeled No Ding Decline, so if you are declined there is no impact to your credit scores.

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