Online Loans

$1,000 to $50,000 for any purpose. Fast approval, competitive rates.

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Why Choose Upstart Online Loans?

Fast Approval

Get approved in minutes with our AI-powered platform. 87% instant decisions.

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Competitive Rates

APR from 6.70% based on your full financial profile, not just credit score.

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Easy Management

Manage your loan 24/7 with our mobile app. No prepayment penalties.

Popular Uses for Online Loans

🏥 Medical Expenses

Cover unexpected medical bills or elective procedures.

🏠 Home Improvement

Renovate your home, fix urgent repairs, or upgrade appliances.

🎓 Education

Fund continuing education, certifications, or training.

💍 Life Events

Pay for weddings, vacations, or other special occasions.

🚗 Vehicle Expenses

Buy a car, make repairs, or cover unexpected costs.

📦 Major Purchases

Furniture, electronics, or other significant expenses.

Eligibility Requirements

  • Minimum credit score: 300 (we consider more than just credit!)
  • Minimum annual income: $12,000
  • U.S. citizen or permanent resident
  • At least 18 years old
  • Valid bank account
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