Lender network / Lender profile
Upstart Personal Loans: Rates, Terms and Fees (2026)
Short answer: Upstart looks beyond your credit score, using factors like education and income. Origination fees run up to 12%, the highest in this lineup.
| At a glance | Upstart |
|---|---|
| APR range | 6.3% to 35.99% |
| Loan amounts | $1,000 to $75,000 |
| Terms | 36 or 60 months |
| Origination fee | 0% to 12% |
| Funding time | Next business day if accepted by 5pm ET on a weekday |
| Minimum credit score | Not published |
| Late fee | Greater of 5% or $15, after 15 days |
| Availability | Not available in Iowa or West Virginia |
| Credit check to pre-qualify | Soft pull through CLO |
Good to know
- Loans are made by Upstart's partner banks
- Car-secured option may lower your rate
- No joint or co-signed loans
- Higher state minimums in Georgia, Hawaii and Massachusetts
How Upstart reaches CLO
Offers from Upstart come through CLO's partner network, powered by Flexxbuy. CLO is not a lender and doesn't make credit decisions. Lenders can't pay to change what this profile says.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
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Upstart personal loan questions
What credit score do I need for Upstart?
Upstart doesn't publish a minimum credit score. Pre-qualifying through CLO shows whether Upstart will make you an offer, without affecting your credit.
How much can I borrow from Upstart?
Upstart loan amounts: $1,000 to $75,000. The amount you're offered depends on your income, credit, existing debt and state.
What APR does Upstart charge?
Upstart's published APR range is 6.3% to 35.99%. Your rate depends on your credit profile, loan amount and term.
How fast does Upstart fund loans?
Next business day if accepted by 5pm ET on a weekday. Timing starts once your application and documents are complete.
Does checking my rate with Upstart affect my credit?
No. Pre-qualifying through CLO uses a soft credit pull. A hard inquiry happens only if you accept an offer and complete Upstart's application.
Sources: >Upstart: where Upstart is available · >Upstart: loan options · >MoneyLion review. Found an error? Report it.