Upstart
Upstart Personal Loan Review 2026
APR
7.4–35.99%
Loan Amount
$1K–$50K
Min. Credit Score
300
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Key Features
Ai UnderwritingYes
Origination Fee0%-12%
Next Day FundingYes
Soft Credit CheckYes
Considers EducationYes
Considers EmploymentYes
Rates & Terms
Variable APR7.4% – 35.99%
Loan Amount$1,000 – $50,000
Loan Term36 – 60 months
Recommended Credit Score300+
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Ask the AIRates and terms are approximate and subject to change. Always verify current terms directly with Upstart before applying. This is not financial advice.