Unlock Low-Rate Personal Loans with AI
Upstart uses AI to find you the best rates based on your potential, not just your credit score.
Check Your Rate Free
Need a personal loan but worried about high interest rates? Upstart's AI-powered platform looks beyond traditional credit scores to evaluate your full financial picture. Get pre-qualified in minutes with no impact to your credit score.
Why Upstart Personal Loans?
What makes this offer worth a look
AI-Driven Rates
Upstart's machine learning model considers education, job history, and more to offer rates as low as 6.40% APR.
Fast Funding
Once approved, you can receive funds as soon as the next business day.
No Prepayment Penalties
Pay off your loan early without any extra fees.
Fixed Monthly Payments
Know exactly what you owe each month with a fixed rate and term.
Loan Amounts Up to $50,000
Borrow $1,000 to $50,000 for debt consolidation, home improvement, or unexpected expenses.
How it works
- 1
Check your rate online in minutes with a soft credit pull.
- 2
Choose your loan offer and verify your information.
- 3
Sign your agreement and get funds sent directly to your bank account.
Frequently asked questions
What credit score do I need for Upstart?
Upstart considers applicants with a credit score of at least 600, but they also evaluate other factors like education and employment.
Will checking my rate hurt my credit score?
No. Upstart uses a soft credit check for rate quotes, so your credit score is not affected.
How fast can I get the money?
If you accept your loan agreement by 5pm ET on a business day, funds can be deposited the next business day.
Can I use Upstart for debt consolidation?
Yes. Many borrowers use Upstart to consolidate credit card debt or other high-interest loans.
What are the typical APRs?
APRs range from 6.40% to 35.99%, depending on your credit profile and loan terms.
Is there a prepayment penalty?
No. Upstart does not charge any fees for paying off your loan early.
Ready to try Upstart Personal Loans?
Upstart uses AI to find you the best rates based on your potential, not just your credit score.
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