Published APR6.30% – 35.99%A range, not your rate
Loan amount$1,000 – $75,000May vary by state
Repayment term36 months – 60 monthsLonger terms cost more overall
Origination feeNot disclosedNot published by the lender
Conditions and limitations
APRs from 6.3% to 35.99% with 3 or 5 year terms; the full range varies by state and the lowest rates are only available to the most qualified applicants. Checking your rate uses a soft inquiry; a hard inquiry follows if you proceed. Upstart does not publish an origination fee range; its representative example shows an 8.15% fee on a $10,000, 60-month loan. Funds can be sent the next business day if you accept by 5pm ET.
Eligibility
- Minimum credit score
- Not disclosed
- Direct pay to creditors
- Not disclosed
- Co-applicant
- Not disclosed
- Autopay discount
- Not disclosed
- Late fee
- Not disclosed
- Prepayment penalty
- Not disclosed
- State availability
- Minimum loan amounts vary by state (GA $3,100, HI $1,500, MA $7,000)
From the provider’s official pages. Not disclosed means the pages we checked do not state it; ask the provider.
Sources and verification
Terms checked Nov 3, 2026Source status: reviewed
A successful source check does not renew the financial terms. This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.
