Online Loans from $200 to 5,000 with competitive rates. Our AI technology looks beyond credit scores to approve more people.
Get your money in three easy steps. Our AI-powered platform makes borrowing simple and fast.
Complete a simple 2-minute application. Check your rate with no impact to your credit score. Provide basic information about yourself and your financial situation.
Our advanced AI analyzes 1,000+ data points including education and job history - not just your credit score. Get an instant decision in most cases.
Once approved, funds are deposited directly into your bank account as fast as 1 business day. Start using your loan right away.
We're revolutionizing lending with AI technology that gives more people access to affordable credit.
Our AI model considers over 1,000 variables beyond credit scores, including education and employment history, for fairer lending decisions.
We accept credit scores as low as 300. Traditional factors aren't everything - we look at your full financial picture.
87% of our loans are fully automated with instant decisions. Funds in your account as fast as 1 business day.
No hidden fees. No prepayment penalties. Know exactly what you'll pay before you commit. APR starting at 6.70%.
Your data is protected with 256-bit encryption. Partnered with 100+ FDIC-insured banks and credit unions.
Manage your loan 24/7 with our mobile app and online portal. Make payments, view statements, and get support anytime.
Whether you need cash for a major purchase, debt consolidation, or auto refinancing, we've got you covered.
Flexible funding for any personal expense from $200 to $5,000.
Real reviews from real borrowers. See why thousands trust Upstart for their lending needs.
"Amazing experience! I was approved in minutes and had the money in my account the next day. The process was so simple compared to traditional banks."
✓ Verified Borrower"After being denied by several banks due to my credit score, Upstart approved me. Their AI really does look beyond just credit scores. Highly recommend!"
✓ Verified Borrower"Used Upstart to consolidate my credit card debt. Got a much better rate than my cards and I'm saving hundreds each month. Customer service was excellent too!"
✓ Verified Borrower"The whole process was transparent and straightforward. No hidden fees, no surprises. Exactly what I was looking for in a lender."
✓ Verified Borrower"Great rates and fast approval. The only reason I'm giving 4 stars instead of 5 is the origination fee, but overall still a good deal compared to other lenders."
✓ Verified Borrower"Best lending experience I've ever had. The AI technology really makes a difference in how they evaluate your application. Got approved when others said no."
✓ Verified BorrowerExpert advice and insights to help you make informed financial decisions.
Discover how artificial intelligence is making loans more accessible and fairer for everyone, beyond traditional credit scores.
Learn when debt consolidation makes sense, how it works, and how much you could potentially save on interest payments.
Don't let a less-than-perfect credit score hold you back. Learn proven strategies to improve your approval chances.
Find quick answers to common questions about Upstart loans.
Check your rate in minutes with no impact to your credit score. Join thousands who've chosen smarter lending.