Upstart Personal Loan
AI-powered lending platform offering personal loans from $1,000 to $50,000. Considers education and employment in addition to credit score for approval.
Last checked on May 16, 2026. We may earn a commission when you click through.
Upstart offers a unique AI-driven approach to personal loans, considering factors beyond just credit scores. This can lead to favorable rates for borrowers with limited credit history.
Upstart Personal Loan
Updated 1 day ago| APR | Amount | Term |
|---|---|---|
| 6.2–35.99% | $1,000–$50,000 | 36–60 mo |
Requirements
—Decision
—Our Verdict
Upstart offers a unique AI-driven approach to personal loans, considering factors beyond just credit scores. This can lead to favorable rates for borrowers with limited credit history.
Best For
This loan is best for individuals with fair credit who prioritize fast funding and a flexible approval process based on education and employment.
Watch Out
Be cautious of high APRs that can reach up to **35.99%**, which can significantly increase the total cost of borrowing.
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About this loan
AI-powered lending platform offering personal loans from $1,000 to $50,000. Considers education and employment in addition to credit score for approval.
What Customers Say
Customers appreciate the quick approval process, though experiences with customer service can be mixed.
Expert Analysis
Upstart's personal loans provide amounts ranging from $1,000 to $50,000 with fixed rates between 6.2% to 35.99% APR. This flexibility makes it appealing, especially for borrowers who may not qualify for traditional loans. The application process is quick, with funds potentially disbursed within one business day.
However, borrowers should carefully consider the high end of the APR spectrum, as it can lead to substantial interest costs. Unlike some competitors, Upstart's model takes education and employment into account, potentially benefiting those with non-traditional profiles. It's worth noting that a minimum credit score of 300 is required, which could make approval more accessible for some, but those with lower scores likely face higher rates.
Customer service experiences vary, so researching reviews can provide insight into the support you might receive.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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