Apply for Upstart Loan at

Apply for Upstart Loan with Offer Code

Upstart Login is an online marketplace lender which connects investors and borrowers to originate personal loans. They offer loans up to $50000 to borrowers, who have a fair credit score. Upstart was established in 2012 and already originated more than 350,000 loans. Here, two-thirds of loan decisions have been made by automated artificial intelligence.


upstart loan official site


Upstart Loan Requirements

  • Need a U.S residential street address where you currently reside.
  • Have a valid email, name, and social security number.
  • At least 18 years old(Alabam and Nebraska must be at least 19 years old).
  • With a full-time job with 6month records.
  • Through the lender’s credit dashboard, you can see the impact of the loan repayments and change the payment dates.
  • Iowa and West Virginia residents can not apply for the Upstart loan.
  • Some of the Upstart loans charged more than an 8% origination fee.
  • In Upstart, co-signers are not accepted.


upstart personal loan


Things You Need to Apply for Upstart Loan

The following things you will require to apply for the Upstart personal loan:

  • Your FICO credit score requirement of 620. As they are using the AI-powered credit model, they are able to approve some borrowers with a fair credit range.
  • You have to be a US resident and currently living in the US.
  • To apply, your age has to be 18 years or older than that. If you live in Nebraska and Alabama, your age has to be 19 years.
  • A valid email ID is required for the Upstart loan.
  • You also require a personal bank account.
  • Upstart only offers fixed-rate personal loans. You can apply for $1,000 to $50,000. Some of the states have higher minimums.
  • The loan repayment terms are three or five years. After applying for the loan, the borrowers will get the funds within two business days.
  • In case, if you want to take the loan for educational purposes, then you may have to wait for an additional three business days. The funds will be credited to your bank account.
  • Upstart usually charges from 0% to 8% of your loan amount. The lenders will be charged with $15 or 5 % of the amount due. There will be no prepayment penalty for the Upstart loan if you pay off your loan early.

upstart reviews

Upstart Loan Reviews

Upstart offers fast process funding personal loans with low rates and the customer service is good. However, comparing with other lenders before applying is an important thing. An upstart personal loan comes with certain fees. But Upstart comes with a great option for those who have fair credit or no credit. Upstart has some pros and cons let see.


  • No credit history is needed.
  • No prepayment penalties.
  • Flexible payment options.
  • Funs are available within one or two business days.


upstart loan testimonial



  • Organization fee are required for some borrowers.
  • Charges late fees.
  • Doesn’t offer a discount.
  • Doesn’t allow co-signature.
  • Only two-term option.

How to Apply for the Upstart Personal Loan

If you are lucky enough to receive the Upstart loan promotion offer, then you might have the offer code. You should take advantage of this offer. You can follow these instructions below to apply for the Upstart loan:

  • First, you have to visit this link
  • Now, enter the offer code in the first field.
  • After that, you have to click on the Check Your Rate option.


upstart loan apply



How to Access Upstart Login Account

Using your registered email and password, you can easily access your Upstart Login account. You have to follow these instructions below to access your Upstart Loan Login account:

  • First, you have to visit the official website of the Upstart Loan Login Account.
  • By clicking on this link, you will be redirected to the website.
  • There, on the right side of the homepage, you have to click on the login option.


upstart loan login page


  • Then, provide your email address and password in the given fields.
  • After that, you need to click on the login option.


upstart loan login


How to Reset Upstart Login Password

In any case, if you forgot your password, then you can follow the instructions below:

  • Visit the Upstart Login website by clicking on this link
  • There, you need to click on the login option, on the right-hand side.
  • Then, you have to click on the ‘Forgot Your Password?’ option.


upstart loan forgot password page


  • Then, provide your registered email address in the provided field.
  • After that, you need to click on the Submit button.


upstart loan forgot password


  • You will receive a password reset link on your registered email address.
  • Then, on your email account, you have to click on the link which is provided by the Upstart.
  • After that, follow the instructions to reset your account password.


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Upstart FAQs(Frequently Asked Questions)

Does Upstart approve everyone?

Upstart requires at least 600 FICO score for loan.

Does Upstart approve instantly?

Most borrower who get the upstart personal loan approve instantly.

Does Upstart always verify income?

Yes Upstart always verify your income.


Upstart Customer Support

For any queries or have any problems, while applying for the Upstart loan, you can contact the customer service:

General Support:


(650) 204-1000 (local)
1-855-438-8778 (toll-free)

Available Hours

General Support:
On business days Mon to Fri:
6 AM – 5 PM PT (9 AM – 8 PM ET)
Sat and Sun:
6 AM – 5 PM PT (9 AM – 8 PM ET)

On business days Mon to Fri:
6 AM – 6 PM PT (9 AM – 9 PM ET)
7 AM – 4 PM PT (10 AM – 7 PM ET)


Upstart Operations Dept.
P.O. Box 1503
San Carlos, CA 94070


So, if you have a fair credit score or limited credit history and don’t mind to pay an origination fee, then you can go for the Upstart loan. In Upstart, you will get access to your funds than most of the banks in the market. Although the application process is quite simple, for the first time you may face a few difficulties. You can follow the instructions as mentioned above.

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