Upstart makes it simple to borrow the money you need. Get funded in as fast as 24 hours for personal loans¹, and within seconds with Cash Line*.
Check your rate in minutes, with no impact to your credit score². Trusted by 4M+ borrowers³ & rated 4.9 stars⁴. Apply for fixed-rate loans from $200 to $75,000.⁵ Easily apply for personal loans and credit lines.
Lightning Fast Approvals
• Most funded borrowers received approvals instantly⁶, no paperwork needed
• Funding instantly for Cash Line after approval*
• Check if you qualify in minutes
Flexible Loans & Cash Access
• Personal loans: $200- $75K⁵
• Debt consolidation: Combine debts into one payment
• Cash Line: Access a flexible line of credit for quick cash needs
App Features
• NEW: Unlock ongoing funds⁷ vs one-time cash advances with Cash Line for instant cash*. Get $200 minimum once approved.
• Compare loan options side-by-side
• Manage your loan & make payments
• Get prequalified for future loans
• Access customer support 24/7
Why 4+ Million Borrowers Choose Us³
• Top rated with strong customer satisfaction
• No hidden fees; transparent pricing from day one
• Personalized rates based on your financial profile
• Fast access to funds & flexible options
About Upstart:
Upstart is the borrowing platform trusted by millions. We connect you to a network of 100+ trusted lenders, so you can get loan offers tailored to you. We offer competitive fixed-rates for personal loans, small dollar loans & Cash Line. With an easy online application, you can see your options in minutes and decide with confidence. Plus, we don’t charge prepayment fees. We’re here each step with a live Customer Service team.
LEGAL DISCLAIMERS:
¹In March 2026, 69% of Upstart customers had the funds transfer initiated in 24 hours upon approval and signing the promissory note. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
²When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate & proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus
³As of 3/31/26, across the entire Upstart marketplace
⁴As of 3/31/26 for Upstart on the App Store
⁵Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($1,500), MA ($7,000). Maximum loan amounts may vary by state.
⁶The majority of unsecured loan borrowers on the Upstart marketplace are able to receive an instant decision upon submitting a completed application, without providing additional supporting documents; final approval is conditioned upon passing the hard credit inquiry. Loan processing may be subject to longer
⁷Always On Commitment: We are committed to maintaining your credit limit as long as you continue to meet program eligibility and account requirements. To ensure the safety and security of all our members, we reserve the right to adjust or close lines in specific circumstances, including account default or late payments, suspected fraud, violation of our terms of service (including abusive behavior), or when necessitated by legal or regulatory requirements.
*To receive instant funding, your bank account must support instant transfers. If your account does not support instant transfers, funds will be available depending on your bank's transaction processing time & policies
Upstart Network, Inc. NMLS #936133. Upstart is not the lender. All loans on Upstart's marketplace are made by regulated financial institutions.
I really appreciate how convenient the app is. Being able to schedule your payments without the immediate need of a representative or automated system is 10/10. In hopes of seeing the growth in Upstart. I would make some adjustments to how long it takes the pending payment to withdraw. 7 days is excessively long especially with all the advancements in technology currently. With that, I believe with this change it would take less stress off the loan holders and introduce a more populous interest in the company itself for future loan holders.
Messy and Unhelpful
Misstraciek
I am expanding my business and I've always been a sole proprietor, so I did not have business credit and saw a great deal on a private sale of equipment. I had the money in hand but knew I would need it for other odds and ends before we opened. Upstart promised a quick review turnaround, which it then stalled. Though I gave them access to my bank account showing that I had more than double the funds I was requesting and about double going into my account every month, and a modest but not awful credit score, for some reason I was not met with an immediate acceptance so I called them to see what was going on. They told me I would need to somehow produce my university diploma for their "best rate" which is what, 35%? Their phone stuff seems very un knowledgeable and unprofessional and I found this to be laughable as an elder millennial; my grad year starts with "oh." I have never needed anything like this for anything, and my actual diploma was lost in a basement furnace incident years ago. To suddenly need to pull this out of thin air for a $4k loan is insane; I didn't need anything like that for my brand new 2026 truck, but I need it somehow for a Best rate of 35% for $4000? I don't understand how this could be any kind of debt or loan consolidation for anyone at this rate. It is predatory, and the only reason I considered it is because it was a Sunday night and I thought I could get it done fast and easily, and I know I have the means to pay it off easily. Many don't... Which makes this really sketchy.
Stay FAR away!
DyreLogan
This company is the worst loan company ever. They may give you a loan but you NEVER get the whole sum. That was just one bad part about this company.If you apply and get a loan, they keep something back for themselves and call it an "origination fee." What it REALLY is is an extortion fee. I applied, got 1700 dollars, they pocketed 200 of it and gave me 1500. Not only do they pocket it, YOU have to pay that back! You don't even see it and yet you have to pay it back! Extortion at its best.Not only that but I didn't need the loan because I went through my bank instead and my bank didn't charge me an extortion fee. What I applied for I got. Hats off to my honest bank. I couldn't cancel the loan as the loan was already on its way but customer service told me that if I sent the loan back then they would waive the extortion fee most likely since I paid off the loan early. I sent the loan back, paid it off early, same day that I got the money. Did they close out the account and honor their customer service reps word? NOPE! I still owe 208 dollars, the extortion fee.I've been in touch with the company and they said that I still owe the 208 and that they refuse to waive it. This company is the worst company ever and I will never apply for another loan through them again. I shared a message like this one on TrustPilot to spread the word about their shady business tactic and how they just don't care about you and will not honor what they promised.Stay far away from this company. Go through your bank or a credit union. That's your best bet for a loan. This company is shady and a bunch of thieves.
Developer Response
Thank you for bringing this matter to our attention. We take these concerns seriously and would appreciate the opportunity to review your account in detail. Please contact us directly at servicing@upstart.com or by phone at 855-438-8778, so we may further assist you.
Exhaust other options before you choose one with a high interest rate.
Tazomanian
I understand times are hard, I get you need the help, but try to exhaust all options before you choose a loan servicer with such high interest rates. If you’re laid off, that won’t matter. If you need a financial hardship plan for a couple months, the following payment amounts will be crucial. Look at other opportunities, pick up a grocery store job, dash some food, anything before you sign on that line with Upstart. They will approve you, but it’s a DAILY accrued interest. You can sign for 8k, but by the time you pay it off you would have paid them 3-4x that amount. That’s a loan shark. It’s greed. Just be prepared if this is your only option. Best of luck.
Developer Response
Thank you for bringing this matter to our attention. We take these concerns seriously and would appreciate the opportunity to review your account in detail. Please contact us directly at servicing@upstart.com or by phone at 855-438-8778, so we may further assist you.
What's new:
- UX improvements
- Better stability
Are there any features you would like to see in the future? We are always listening and working hard behind the scenes, please email us at mobile@upstart.com
Version 1.1.18
The developer, Upstart Network, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
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