Loans/personal/Upstart Personal Loan
Personal Loan

Upstart Personal Loan

Upstart

4.5
(17,800 reviews)

11 Free Calculators

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Loan Details at a Glance

APR Range

7.8% - 35.99%

Loan Amount

$1K - $50K

Loan Terms

3 - 5 years

Min. Credit Score

300

Overview

Upstart uses AI and alternative data to approve borrowers with limited credit history, offering fast funding and innovative underwriting.

Best for: Borrowers with limited credit history or lower scores

Pros & Cons

Pros

  • Accepts lower credit scores
  • Fast approval and funding
  • Innovative underwriting
  • Flexible qualification criteria

Cons

  • Origination fee up to 12%
  • Higher rates for some borrowers
  • Limited term options

Key Features

  • AI-powered approval
  • Quick decisions
  • Next-day funding
  • Considers education and job history
  • Low credit score accepted

Common Uses

Debt consolidation
Credit card refinancing
Emergency expenses

Frequently Asked Questions

Ready to Apply?

Soft credit check
No impact on credit score
Next business day

Checking rates won't affect your credit score

Loan Terms

Origination Fee:0-12%
Prepayment Penalty:None
Funding Speed:Next business day