Upstart Personal Loan
Upstart
4.3
6.40%–35.99% APR$1,000–$50,000Fee: 0–12% of loan amountMin credit: 300+
APR Range
6.40%–35.99%
Loan Amount
$1,000–$50,000
Term
36–60 mo
Origination Fee
0–12% of loan amount
Our take
Upstart uses AI and alternative data—including education and employment—to approve borrowers traditional lenders might decline.
Pros and cons
Pros
- +Considers education and job history
- +Considers education and job history
- +May approve fair credit
- +May approve fair credit
- +Fast 1-day funding
- +Fast 1-day funding
Cons
- −APR can be high for some
- −APR can be high for some
- −Origination fee possible
- −Origination fee possible
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Full details
| Minimum loan amount | $1,000 |
| Maximum loan amount | $50,000 |
| Lowest APR | 6.40% |
| Highest APR | 35.99% |
| Shortest term | 36 months |
| Longest term | 60 months |
| Origination fee | 0–12% of loan amount |
| Minimum credit score | 300+ |
| Funding speed | 1 business day |
Frequently asked questions
What is the APR range for Upstart Personal Loan?
Upstart Personal Loan offers APR from 6.40% to 35.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Upstart Personal Loan?
Loan amounts range from $1,000 to $50,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Upstart Personal Loan?
A minimum credit score of 300 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does Upstart Personal Loan charge an origination fee?
Yes, Upstart Personal Loan charges an origination fee of 0–12% of loan amount. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with Upstart Personal Loan?
Upstart Personal Loan typically funds loans within 1 business day. Actual funding time may vary based on verification requirements and your bank.
Is Upstart Personal Loan worth it?
Upstart uses AI and alternative data—including education and employment—to approve borrowers traditional lenders might decline.
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Verified Apr 2026
Upstart Personal Loan