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.
