Personal loans with low fixed rates *

Next day funding⁴ with no hidden fees. Ever.

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Won't affect your credit score¹

Explore more loan types

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Personal loans
Consolidate debt and more

Car loan refinance
Swap your car loan and save

Short-term relief
For everyday bills & expenses

HELOC
Home equity line of credit

Personal loans

$1,000 - $75,000⁵

  • Checking your rate takes 5 minutes
  • No pre-payment penalty
  • 33% lower rates than a traditional model²

Car loan refinance

Swap your car loan and save

  • Average monthly savings of $132⁶
  • APR from 7.25% - 29.99%¹⁰
  • Check your rate in minutes

Home equity line of credit

Offered by Upstart Home Lending

$26,000 - $250,000

  • Rates as low as 6.52% APR**
  • Get your offer in minutes
  • No teaser rates, no hidden fees

Short-term relief

$200 - $2,500

  • Approval across a broad range of income levels⁹
  • Clear costs, up to 36% APR⁸
  • Pay over 3-18 months⁸

We've helped more than 4 million customers⁷

  • Excellent 4.9 out of 5 star rating on Trustpilot
  • 4.9 out of 5 based on 64,546 reviews

A new loan could be just clicks away

Step 1

Check your rate
Fill out a form to check your rate in 5 minutes

Step 2

Verify your information
Find out if you're approved, instantly³

Step 3

Get your money
99% of personal loan funds are sent just 1 business day after signing⁴

Let us answer your questions

What is a personal loan?

An unsecured personal loan is money borrowed from a lender that is not secured by property such as a house or car over a fixed period of time. While most loans through Upstart are unsecured, certain credit unions may place a lien on other accounts you hold with the same institution.

What is a car refinance loan?

A car refinance loan is a new car loan that usually replaces your current loan from a different lender. Refinancing your car loan can help you save money by lowering your APR or by reducing your monthly payments.

What’s the difference between an interest rate and an APR?

The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive both of interest rate and all other associated fees.

How long will it take to get my money?

Personal loan funds typically are transferred on the next business day if the terms are accepted before 5pm ET Monday-Friday excluding holidays.

Will it affect my credit score?

Checking your rate on Upstart will not affect your credit score. If you proceed with your application after receiving a rate your credit score will be impacted.

Do I pay a fee if I pay off my loan early?

There is no prepayment penalty for paying off a loan on Upstart early. You may pay off part or all of the loan at any time with no fee.