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Upstart offers personal loans from $1,000 to $50,000 for credit card refinancing, debt consolidation, large purchases and more. Through our secure and straightforward online application process, borrowers can get rates in just 2 minutes and receive funds the next business day. With fixed-rate APRs starting at 7.16%, Upstart offers competitive loans with no prepayment penalties or hidden fees. 

Founded by ex-Googlers, Upstart is the first lending platform to leverage artificial intelligence and machine learning to price credit and automate the borrowing process. Upstart has demonstrated unparalleled credit performance1 and the industry’s highest consumer ratings.2 In addition to its direct-to-consumer lending platform, Upstart provides technology to banks, credit unions and other partners via a “Software-as-a-Service” offering called Powered by Upstart.

Products : Personal Loans

  • Upstart use education data to supplement credit profile 
  • Simple and fast process 
  • Optimized for mobile and tablet 
Requirements :
  • Borrowers must be U.S. citizens or permanent residents, at least 18 years of age
  • Have a minimum credit score of 620. 
Loans are issued in all 50 states (except: West Virginia, Guam, U.S. Virgin Islands, Puerto Rico, American Samoa, Northern Mariana Islands) by Cross River Bank, a federally insured New Jersey commercial bank.

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