We're not your typical lender. Our AI-powered platform provides faster decisions, better rates, and approves more people by looking beyond credit scores.
We're revolutionizing personal lending with technology that's fairer, faster, and more accessible than traditional banks.
Traditional lenders rely almost exclusively on your credit score. We use advanced AI to analyze over 1,000 variables including your education, employment history, and career trajectory. This means we can approve more people and often offer better rates, even with fair or limited credit.
We accept credit scores as low as 300 and consider applicants with minimum annual income of just $12,000. Our AI looks at your full financial picture, not just past mistakes. If you have a stable job, education, and responsible financial behavior, you have a real chance of approval.
No more waiting days or weeks for a loan decision. 87% of our applications are fully automated with instant approval decisions. Once approved, funds hit your bank account as fast as 1 business day. From application to funding, you could be done in less than 24 hours.
No hidden fees, no surprises. Our APR starts at just 6.70% for qualified borrowers. We charge an origination fee between 0-15% depending on your profile, but absolutely no prepayment penalties. Pay off your loan early and save on interest - we encourage it!
Your personal and financial data is protected with 256-bit encryption - the same security used by major banks. All loans are made by our 100+ FDIC-insured bank and credit union partners. We're committed to keeping your information safe and secure at every step.
Access your loan anytime, anywhere through our intuitive mobile app and online portal. Make payments, view statements, adjust payment dates, and get support whenever you need it. Managing your loan has never been easier or more convenient.
See how we stack up against banks, credit cards, and other lending options.
Trusted by millions and recognized by industry leaders.
"After being rejected by multiple traditional banks, Upstart approved my loan in minutes. Their AI really does consider more than just credit scores. I got a fair rate and the money I needed to consolidate my debt. Best financial decision I've made this year."
Join over 2 million borrowers who've chosen smarter, fairer lending. Check your rate in 2 minutes - no impact to your credit score.