Upstart takes a fresh approach to lending by using artificial intelligence and machine learning to evaluate borrowers. Unlike traditional banks that rely heavily on credit scores, Upstart also considers factors like education, employment history, and income potential. This allows more people—especially those with limited credit history—to qualify for loans at competitive rates.
Fast, Simple, and Fully Online Application
Borrowing through Upstart is refreshingly easy. The entire application process is 100% online, and most borrowers receive a loan decision in minutes. Approved applicants can receive funds in as little as one business day. Whether you're paying off high-interest credit cards or covering an unexpected expense, Upstart helps you move quickly and confidently.
Flexible Personal Loan Options for Real Needs
Upstart offers unsecured personal loans ranging from $1,000 to $50,000, with repayment terms of three to five years. There are no prepayment penalties, and fixed interest rates make budgeting simple. Whether you're consolidating debt, paying medical bills, or funding a major life event, Upstart provides flexible solutions tailored to your situation.
Small Business Loans Built for Entrepreneurs
For startups and small business owners, Upstart now provides business loans through its partner network. With competitive rates and streamlined approvals, it’s a smart alternative to complicated bank loans. It’s especially valuable for entrepreneurs who need quick access to capital to grow their business, manage cash flow, or invest in equipment.
Since its founding, Upstart has helped over two million customers access fair, affordable credit. With no hidden fees, clear terms, and a customer-friendly interface, the platform has earned strong reviews for reliability and ease of use. Borrowers can check their rate with no impact on credit score—making it risk-free to explore your options.