4.6
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
Rates and terms
Fees and Discounts
Customer Experience
Upstart Personal Loans
Fixed APR
Range of fixed rates available from this lender
8.27% - 35.99% APR4
Min. credit score
Minimum credit score needed to qualify
580
(in most states)
Loan amount
Total amount you can borrow from this lender
$1,000 to $50,0005
Time to fund
How long it takes to receive your money
As soon as 1 - 3 business days6

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