Upstart: Personal Loans + More

About

Get the money you need in as fast as 24 hours¹. Upstart makes borrowing simple, fast & transparent. Check your rate in minutes, with no impact to your credit score². Trusted by 4M+ borrowers³ & rated 4.9 stars⁴. Apply for fixed-rate loans from $200 to $75,000.⁵ Lightning Fast Approvals • 90% of funded borrowers received their approvals instantly⁶, no paperwork needed • Funding in as fast as 1 business day after approval⁷ • Find out if you qualify in minutes Flexible Loans • Personal loans: $200- $75K⁵ for almost anything • Auto refinancing: Lower your monthly car payment • Debt consolidation: Combine multiple debts into one easy payment App Features • NEW: Unlock ongoing access to cash with Cash Line. Get a minimum of $200, once approved Check your rate without impacting your credit score² • Compare loan options side-by-side • Manage your loan & make payments on the go • Get prequalified for future loans • Access customer support 24/7 Why 4+ Million Borrowers Choose Us³ • Top rated with industry-leading customer satisfaction • No hidden fees; transparent pricing from day one • Personalized rates based on your unique financial profile About Upstart: Upstart is the borrowing platform trusted by millions. We connect you to a network of hundreds of trusted lenders, so you can get personalized loan offers tailored to you. We offer competitive fixed-rates for personal loans, auto refinancing, small dollar loans & Cash Line. With an easy online application, you can see your options in minutes so you can make a decision with confidence. Plus, we don’t charge prepayment fees. We’re here for you each step of the way with a live Customer Service team. LEGAL DISCLAIMERS: ¹In Dec 2025, 66% of Upstart customers had the funds transfer initiated in 24 hours upon approval & signing the promissory note. When the funds will be available to you will depend on your bank’s policies ²When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate & proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus ³As of 12/31/25, across the entire Upstart marketplace ⁴As of 12/31/25 for Upstart on Trustpilot.com ⁵Your loan amount will be determined based on your credit, income & certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimal loan amounts for the personal loans product vary by state: GA ($3,100), HI ($2,100), MA ($7,000) ⁶The majority of unsecured loan borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents; final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer wait times if additional documentation is required for review ⁷If you accept your loan by 5pm ET (not including weekends or holidays), your funds will be sent on the next business day. When the funds will be available to you will depend on your bank’s transaction processing time & policies ⁸Estimated based on all consumers who were approved for an auto loan through the Upstart platform & accepted their terms. In Dec 2025, the average monthly payment savings amount was $126. To evaluate savings on a loan you are considering refinancing, it is important to compare your APR & remaining term from your existing auto loan to the APR & term offered through Upstart *To receive instant funding, your bank account must support instant transfers. If your account does not support instant transfers, funds will be available depending on your bank's transaction processing time & policies Upstart Network, Inc. NMLS #936133. Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions.