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Upstart Facts: 167 Specifications & 48 Highlights

Compare loan features and find out which option is worth your money in an honest review.
The Upstart promises more than just numbers. We checked out 167 specs & features, including minimum loan amount, minimum apr, approval rate estimate & customer service channels that caught our eye.

Supermod

Okthapian I. M.

67 Products

Moderator

Esy Tria K

316 Products

0 Points

Upstart

Highlights ⁴⁸

No extras. Just what matters.

 0  Points 
 Upstart 

Why is Upstart better than other personal loans ?

General Information Loan Structure & Terms Interest Rates & Fees Eligibility & Requirements Application & Approval Process Repayment & Flexibility Customer Experience & Support Security & Compliance Benefits & Perks Financial Impact & Performance Technical & Platform Features

General Information

Fully Compliant With Regulations Indicates if the lender complies with financial regulations.

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Loan Structure & Terms

Easy Prequalification Available Allows borrowers to check eligibility without affecting credit score.
Forbearance Support Available Provides temporary relief or reduced payments during hardship.

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Interest Rates & Fees

Fully Transparent Fee Structure Indicates whether all fees are clearly disclosed upfront.
Stable Fixed Rate Available Indicates if a fixed interest rate is available.
Rewards Early Repayment Indicates if borrowers receive benefits for early payoff.
Clear Apr Breakdown Provided Shows if APR details are clearly explained to borrowers.

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Eligibility & Requirements

Accepts Self-Employed Applicants Indicates if self-employed individuals can apply.
Supports Military Applicants Indicates if military personnel are eligible.
Accepts Applicants With Bankruptcy History Indicates if applicants with past bankruptcy can apply.
Student-Friendly Eligibility Shows if students can qualify for the loan.

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Application & Approval Process

Instant Approval Available Indicates if borrowers can receive immediate approval decisions.
Uses Soft Credit Check For Prequal Allows checking eligibility without impacting credit score.
Strong Fraud Protection In Place Indicates if systems are in place to detect and prevent fraud.
Mobile App Available Indicates if a mobile app is available for application and tracking.
Full Online Account Access Allows borrowers to manage their loan account digitally.
Real-Time Tracking Available Shows whether users can track application progress in real-time.
Supports Digital Signatures Allows signing loan agreements electronically.
AI-Powered Approval System Indicates if AI is used to assist or automate approval decisions.

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Repayment & Flexibility

Autopay Available For Convenience Indicates if automatic payments can be set up.
Offers Hardship Assistance Programs Indicates if support programs exist for financial hardship.
Flexible Due Date Options Allows borrowers to choose or adjust payment due dates.
Offers An Autopay Discount Indicates whether enrolling in automatic payments provides a benefit such as a rate reduction.
Flexible Payment Adjustments Allowed Allows borrowers to adjust payment schedules or amounts.
Early Repayment Allowed Indicates if borrowers can pay off the loan early without restrictions.
Partial Payments Allowed Indicates if partial payments can be made without penalty.
Overpayments Allowed Allows paying more than the required installment amount.
Payment Reminders Enabled Indicates if reminders are sent for upcoming payments.

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Customer Experience & Support

Structured Complaint Resolution Available Indicates if there is a formal process for handling complaints.
Helpful Educational Resources Provided Shows whether learning materials are provided to borrowers.
Includes Useful Financial Tools Indicates if tools like calculators or budgeting aids are included.
Accessibility Features Included Indicates if features support users with disabilities.

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Security & Compliance

Active Fraud Monitoring Enabled Shows whether systems are in place to detect suspicious activities.
Clear And Transparent Privacy Policy Indicates if privacy policies are clearly explained to users.
2FA Security Enabled Indicates if two-factor authentication is supported.
Strong Data Encryption Enabled Indicates if user data is encrypted during transmission and storage.
Strong Account Security Features Shows if additional account protection features are available.
Biometric Login Available Shows if biometric login (fingerprint/face ID) is supported.
Secure Document Storage Provided Indicates if uploaded documents are securely stored.

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Benefits & Perks

Offers Attractive Rate Discounts Indicates if any general interest rate discounts are available.
Referral Program Available Indicates if users can earn rewards for referring others.
Includes Helpful Financial Tools Provides access to tools for budgeting and financial planning.
Includes Partner Perks Indicates if benefits are provided through partner companies.

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Financial Impact & Performance

Fully Transparent Cost Structure Indicates how clearly total costs are disclosed.

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Technical & Platform Features

Fully Optimized For Mobile Indicates if the platform is optimized for mobile devices.
Real-Time Notifications Enabled Shows if users receive alerts and notifications about their loan.
Feature-Rich Dashboard Available Indicates if a user dashboard is available for managing loans.
Real-Time Updates Available Shows if account data updates instantly.

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Quick Take

The essentials that matter—nothing extra

A fast snapshot of the Upstart, covering its standout specification and what you can expect right out of the box.

Upstart

Upstart helps consumers secure loans through a digital marketplace backed by artificial intelligence. By analyzing more than just credit scores, it provides more inclusive lending decisions. The platform is ideal for borrowers seeking faster approvals and competitive rates.

Quick Specs Breakdown

The key specs that actually matter—no fluff, no guesswork

Here’s a streamlined view of the Upstart key specifications. Compare critical features at a glance before exploring the full specs and hands-on insights below.

Loan Structure & Terms

Minimum Loan Amount

What is the minimum loan amount?

$1,000

Maximum Loan Amount

What is the maximum loan amount?

$75,000

Collateral Status

What is the collateral status of the loan?

Unsecured

Interest Rates & Fees

Minimum APR

What is the minimum APR?

6.2 %

Maximum APR

What is the maximum APR?

35.99 %

Annual Fee

Is there an annual fee?

None

Application & Approval Process

Approval Rate Estimate

What is the approval rate?

70 %

Instant Approval

Is instant approval available?

Yes

Hard Credit Check Required

Is a hard credit check required?

Yes

Customer Experience & Support

Customer Service Channels

What support channels are available?

Phone,Email

Support Response Time

How fast is support response?

24 hours

General Information

Funding Speed

How fast is funding?

Same Day

Loan Purpose

What can the loan be used for?

Debt Consolidation,Home Improvement,Medical Expenses,Travel,Emergency

Eligibility & Requirements

Citizenship Requirement

What citizenship is required?

Citizen

Specifications & Facts ¹⁶⁷

Specs measured. Drama avoided.

From features and performance to pricing breakdowns, the Upstart personal loan is stacked against leading personal loans. See how it fares, spec by spec.

General Information ¹⁰

Curated by Esy Tria K

Upstart Funding Speed

How fast is funding?

0 Upstart 0 Votes Same Day

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Shows how quickly funds are disbursed after approval.

Curated by Esy Tria K

Upstart Loan Purpose

What can the loan be used for?

0 Upstart 0 Votes Debt Consolidation, Home Improvement, Medical Expenses, Travel, Emergency

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Indicates the allowed or intended uses of the loan funds.

Upstart Application Method

How can you apply for the loan?

0 Upstart 0 Votes Online, Mobile App

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Upstart

Applications can be submitted online or via a mobile app, providing convenient digital access to loan services.

Describes how users can apply for the loan.

Upstart Brand Reputation

What is the brand reputation?

0 Upstart 0 Votes Good

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Upstart

The brand reputation is rated as good, suggesting reliability and positive customer sentiment towards the lender.

Represents overall public perception of the lender.

Upstart Years in Operation

How many years has the lender been in operation?

7 years 0Votes

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Indicates how long the lender has been operating in the market.

Upstart Borrower Type

Who can apply for this loan?

0 Upstart 0 Votes Individuals, Self-Employed, Students

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Specifies which types of borrowers are eligible.

Loan Structure & Terms ¹⁶

Curated by Esy Tria K

Upstart Minimum Loan Amount

What is the minimum loan amount?

0 Upstart 0 Votes $1,000

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Upstart

The minimum loan amount is set at $1,000 (approximately 2,54 cm). This ensures loans begin at a substantial amount suitable for most personal finance needs.

The smallest loan amount a borrower can request.

Curated by Esy Tria K

Upstart Maximum Loan Amount

What is the maximum loan amount?

0 Upstart 0 Votes $75,000

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The highest loan amount available to borrowers.

Curated by Esy Tria K

Upstart Collateral Status

What is the collateral status of the loan?

0 Upstart 0 Votes Unsecured

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Indicates whether the loan requires collateral or not.

Upstart Minimum Loan Term

What is the minimum loan term?

0 Upstart 0 Votes 3

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Upstart

The minimum loan term is 3 months, offering a relatively short commitment period suitable for personal loans.

The shortest repayment period offered.

Upstart Maximum Loan Term

What is the maximum loan term?

0 Upstart 0 Votes 5

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The longest repayment duration available.

Upstart Repayment Frequency

How often are payments required?

0 Upstart 0 Votes Monthly

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Defines how often payments must be made.

Interest Rates & Fees ²⁰

Curated by Esy Tria K

Upstart Minimum APR

What is the minimum APR?

6.2 % 0Votes

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Upstart

The minimum APR offered is 6.2%, providing a competitive interest rate for borrowers with strong credit profiles.

The lowest annual percentage rate offered to qualified borrowers.

Curated by Esy Tria K

Upstart Maximum APR

What is the maximum APR?

35.99 % 0Votes

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The highest possible annual percentage rate charged.

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Upstart Annual Fee

Is there an annual fee?

0 Upstart 0 Votes None

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Recurring yearly fee for maintaining the loan.

Upstart Origination Fee

What is the origination fee?

0 Upstart 0 Votes Moderate

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Upstart

Origination fees are moderate, representing a fair initial cost to process the loan application.

Fee charged when the loan is initiated.

Upstart Fee Transparency

Are fees transparent?

Yes 0Votes Upstart

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Upstart

Fee transparency is ensured, so borrowers can easily find and understand all applicable fees.

Indicates whether all fees are clearly disclosed upfront.

Upstart Fixed Rate Option

Is a fixed rate available?

Yes 0Votes Upstart

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Indicates if a fixed interest rate is available.

Eligibility & Requirements ¹⁹

Curated by Esy Tria K

Upstart Citizenship Requirement

What citizenship is required?

0 Upstart 0 Votes Citizen

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Specifies citizenship or legal status needed.

Upstart Employment Status Required

What employment status is required?

0 Upstart 0 Votes Employed, Self-Employed, Unemployed

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Upstart

Applicants from diverse employment statuses including employed, self-employed, and unemployed individuals can apply, widening access to credit.

Indicates acceptable employment statuses.

Upstart Age Requirement

What is the minimum age requirement?

18 years 0Votes

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Upstart

Applicants must be at least 18 years old, reflecting common legal standards for loan eligibility.

The minimum age required to apply for the loan.

Upstart Proof of Address Required

Is proof of address required?

Yes 0Votes Upstart

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Upstart

Proof of address is required, which helps verify borrower identity and residency as part of the loan application process.

Indicates if address verification is necessary.

Upstart Self-employed Eligible

Are self-employed applicants eligible?

Yes 0Votes Upstart

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Upstart

Self-employed individuals are eligible to apply, accommodating a wider range of income types.

Indicates if self-employed individuals can apply.

Upstart Military Eligible

Are military members eligible?

Yes 0Votes Upstart

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Upstart

Military personnel are eligible, ensuring service members have access to personal loan options tailored to their needs.

Indicates if military personnel are eligible.

Application & Approval Process ¹⁶

Curated by Esy Tria K

Upstart Approval Rate Estimate

What is the approval rate?

70 % 0Votes

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Upstart

The approval rate is approximately 70%, indicating a strong likelihood of loan acceptance for qualified applicants.

Estimated percentage of applicants approved by the lender.

Curated by Esy Tria K

Upstart Instant Approval

Is instant approval available?

Yes 0Votes Upstart

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Indicates if borrowers can receive immediate approval decisions.

Curated by Esy Tria K

Upstart Hard Credit Check Required

Is a hard credit check required?

Yes 0Votes Upstart

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Indicates if a hard credit inquiry is required for approval.

Upstart Application Time Minutes

How long does the application take?

10 min 0Votes

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Upstart

The application process is quick, typically taking about 10 minutes, enabling fast loan requests.

The estimated time required to complete the loan application.

Upstart Soft Credit Check Prequal

Is a soft credit check used for prequalification?

Yes 0Votes Upstart

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Upstart

Soft credit check prequalification is available, allowing applicants to get a loan eligibility estimate without impacting their credit score.

Allows checking eligibility without impacting credit score.

Upstart Fraud Protection Measures

Are fraud protection measures in place?

Yes 0Votes Upstart

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Upstart

Fraud protection measures are implemented, augmenting security to safeguard both the lender and borrower from fraudulent actions.

Indicates if systems are in place to detect and prevent fraud.

Repayment & Flexibility ¹⁶

Upstart Autopay

Is autopay available?

Yes 0Votes Upstart

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Upstart

Autopay is supported, enabling automated loan repayments which can help borrowers avoid missed payments and may qualify them for discounts.

Indicates if automatic payments can be set up.

Upstart Hardship Programs

Are hardship programs available?

Yes 0Votes Upstart

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Upstart

Hardship programs are available to assist borrowers facing financial difficulties, offering options to avoid default.

Indicates if support programs exist for financial hardship.

Upstart Due Date Flexibility

Can you change your due date?

Yes 0Votes Upstart

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Upstart

The platform allows due date flexibility, which helps borrowers adjust loan repayment schedules to better match their financial circumstances.

Allows borrowers to choose or adjust payment due dates.

Upstart Autopay Discount

Is there an autopay discount?

Yes 0Votes Upstart

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Indicates whether enrolling in automatic payments provides a benefit such as a rate reduction.

Upstart Payment Change Flexibility

Can you change your payment plan?

Yes 0Votes Upstart

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Allows borrowers to adjust payment schedules or amounts.

Upstart Early Repayment Allowed

Is early repayment allowed?

Yes 0Votes Upstart

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Indicates if borrowers can pay off the loan early without restrictions.

Customer Experience & Support ¹⁵

Curated by Esy Tria K

Upstart Customer Service Channels

What support channels are available?

0 Upstart 0 Votes Phone, Email

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Upstart

Customer service is accessible via phone and email, offering common communication channels to assist borrowers effectively.

Lists the available ways to contact customer support.

Curated by Esy Tria K

Upstart Support Response Time

How fast is support response?

24 hours 0Votes

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The average time it takes for support to respond.

Upstart Complaint Resolution Process

Is there a complaint resolution process?

Yes 0Votes Upstart

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Upstart

A complaint resolution process is in place, ensuring that any issues raised by borrowers are addressed promptly and effectively. This enhances customer satisfaction and trust in the loan provider.

Indicates if there is a formal process for handling complaints.

Upstart Customer Support Availability

When is support available?

0 Upstart 0 Votes Business Hours

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Shows when customer support is available.

Upstart Dedicated Account Manager

Is a dedicated account manager provided?

No 0Votes ~~Upstart~~

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Indicates if users get a personal account manager.

Upstart Educational Resources

Are educational resources available?

Yes 0Votes Upstart

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Shows whether learning materials are provided to borrowers.

Security & Compliance ¹²

Upstart Fraud Monitoring

Is fraud monitoring in place?

Yes 0Votes Upstart

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Upstart

Fraud monitoring is included, providing continuous evaluation of transactions to detect and prevent fraudulent activity. This feature helps protect borrowers and the lender from unauthorized use and financial losses.

Shows whether systems are in place to detect suspicious activities.

Upstart Privacy Policy Clarity

Is the privacy policy clear?

Yes 0Votes Upstart

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Upstart

The privacy policy clarity is affirmed, indicating transparent communication regarding how borrower information is collected, used, and protected.

Indicates if privacy policies are clearly explained to users.

Upstart Two-factor Authentication

Is two-factor authentication available?

Yes 0Votes Upstart

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Upstart

Two-factor authentication is used, strengthening account security by requiring multiple authentication methods.

Indicates if two-factor authentication is supported.

Upstart Data Encryption

Is data encrypted?

Yes 0Votes Upstart

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Indicates if user data is encrypted during transmission and storage.

Upstart Regulatory Body

Which regulatory bodies oversee the lender?

0 Upstart 0 Votes FDIC

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Identifies the governing regulatory authorities overseeing the lender.

Upstart Identity Verification Level

What is the identity verification level?

0 Upstart 0 Votes Standard

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Reflects the strength of identity verification processes.

Benefits & Perks ¹²

Upstart Rate Discounts

Are there rate discounts?

Yes 0Votes Upstart

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Indicates if any general interest rate discounts are available.

Upstart Loyalty Rewards

Are there loyalty rewards?

No 0Votes ~~Upstart~~

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Shows whether repeat customers receive rewards or benefits.

Upstart Referral Program

Is there a referral program?

Yes 0Votes Upstart

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Indicates if users can earn rewards for referring others.

Upstart Financial Wellness Tools

Are financial wellness tools included?

Yes 0Votes Upstart

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Provides access to tools for budgeting and financial planning.

Upstart Unemployment Protection

Is unemployment protection available?

No 0Votes ~~Upstart~~

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Offers support or payment relief if the borrower loses their job.

Upstart Payment Protection Insurance

Is payment protection insurance offered?

No 0Votes ~~Upstart~~

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Indicates if insurance is available to cover payments under certain conditions.

Limitations & Restrictions ¹⁰

Upstart State Restrictions

Are there state restrictions?

0 Upstart 0 Votes Moderate

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Restrictions based on geographic regions.

Upstart Loan Purpose Restrictions

Are there purpose restrictions?

0 Upstart 0 Votes Few

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Limits on how funds can be used.

Upstart Max Loans per User

How many loans can you have?

0 Upstart 0 Votes Multiple

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Maximum number of loans per borrower.

Upstart Cooling-off Period

Is there a cooling-off period?

3 days 0Votes

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Timeframe in which borrowers can cancel the loan without penalty.

Upstart Penalty Conditions

What are the penalty conditions?

0 Upstart 0 Votes Moderate

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Conditions under which penalties apply.

Upstart Account Closure Policy

What is the account closure policy?

0 Upstart 0 Votes Flexible

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Defines how accounts can be closed and any related conditions.

Financial Impact & Performance ¹¹

Upstart Total Loan Cost

What is the total loan cost?

0 Upstart 0 Votes Moderate

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Upstart

The total cost of the loan is moderate, balancing affordability with lender operational costs.

Total repayment cost including interest and fees.

Upstart Cost Transparency

Is the cost transparent?

Yes 0Votes Upstart

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Upstart

Cost transparency is assured, meaning all fees and interest charges are clearly disclosed to ensure borrowers understand their loan obligations.

Indicates how clearly total costs are disclosed.

Upstart Long-term Value

What is the long-term value?

0 Upstart 0 Votes Good

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Upstart

Long-term value is good, indicating the loan product provides worthwhile benefits over time for borrowers.

Overall value of the loan over time.

Upstart Effective Interest Rate

What is the effective interest rate?

20 % 0Votes

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Upstart

The effective interest rate is 20%, reflecting the total cost of borrowing including fees and interest over the loan term.

The true interest rate accounting for compounding and fees.

Upstart Monthly Payment Estimate

What is the monthly payment?

0 Upstart 0 Votes Moderate

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Estimated monthly repayment amount.

Upstart Interest Savings Potential

How much can you save?

0 Upstart 0 Votes Moderate

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Potential savings compared to alternatives.

Technical & Platform Features ¹⁰

Upstart Platform Type

What type of platform is used?

0 Upstart 0 Votes Hybrid

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Describes the type of platform used to access the loan service.

Upstart System Uptime

What is the system uptime?

99.9 % 0Votes

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Percentage of time the platform is operational and accessible.

Upstart Integration Capabilities

What integrations are supported?

0 Upstart 0 Votes Banking APIs, Credit Bureaus

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Indicates ability to integrate with external systems and services.

Upstart API Availability

Are APIs available?

No 0Votes ~~Upstart~~

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Shows whether APIs are available for developers or partners.

Upstart Mobile Optimization

Is the platform mobile-optimized?

Yes 0Votes Upstart

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Indicates if the platform is optimized for mobile devices.

Upstart Browser Compatibility

Which browsers are supported?

0 Upstart 0 Votes Chrome, Safari, Firefox, Edge

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Lists supported web browsers.

Surveys

Because hot takes deserve votes.

Upstart Approval Speed

How fast is the approval process for this personal loan?

Instant approval — Under 5 minutes 0Votes

Very fast approval — 5 to 30 minutes 0Votes

Fast approval — 30 minutes to 2 hours 0Votes

Moderate approval speed — 2 to 24 hours 0Votes

Slow approval — Over 24 hours 0Votes

Upstart Funding Speed

How quickly are funds delivered after approval for this personal loan?

Same day funding — Under 24 hours 0Votes

Very fast funding — 1 to 2 days 0Votes

Fast funding — 2 to 3 days 0Votes

Moderate funding — 3 to 5 days 0Votes

Slow funding — Over 5 days 0Votes

Upstart Interest Rate (APR)

How competitive is the interest rate for this personal loan?

Very low rate — Under 5 percent APR 0Votes

Low rate — 5 to 10 percent APR 0Votes

Moderate rate — 10 to 20 percent APR 0Votes

High rate — 20 to 30 percent APR 0Votes

Very high rate — Over 30 percent APR 0Votes

Upstart Amount Range

How much can you borrow with this personal loan?

Very high amount — Over 50000 dollars 0Votes

High amount — 20000 to 50000 dollars 0Votes

Moderate amount — 10000 to 20000 dollars 0Votes

Low amount — 5000 to 10000 dollars 0Votes

Very low amount — Under 5000 dollars 0Votes

Upstart Repayment Term Length

How long are the repayment terms available for this personal loan?

Very long term — 60 to 84 months 0Votes

Long term — 48 to 60 months 0Votes

Moderate term — 36 to 48 months 0Votes

Short term — 24 to 36 months 0Votes

Very short term — Under 24 months 0Votes

Upstart Monthly Payment Affordability

How affordable are the monthly payments for this personal loan?

Very affordable — Under 200 dollars per month 0Votes

Affordable — 200 to 400 dollars per month 0Votes

Moderate — 400 to 700 dollars per month 0Votes

Expensive — 700 to 1000 dollars per month 0Votes

Very expensive — Over 1000 dollars per month 0Votes

Upstart Fees and Charges

How reasonable are the fees associated with this personal loan?

No fees at all — 0 dollars total fees 0Votes

Very minimal fees — Under 50 dollars 0Votes

Some manageable fees — 50 to 150 dollars 0Votes

Noticeable fees — 150 to 300 dollars 0Votes

High fees — Over 300 dollars 0Votes

Upstart Application Time

How long does it take to complete the application for this personal loan?

Very quick — Under 10 minutes 0Votes

Quick — 10 to 20 minutes 0Votes

Moderate — 20 to 40 minutes 0Votes

Slow — 40 to 60 minutes 0Votes

Very slow — Over 60 minutes 0Votes

Upstart Customer Support Response Time

How quickly does customer support respond for this personal loan?

Instant help — Under 5 minutes 0Votes

Very fast response — 5 to 15 minutes 0Votes

Fast response — 15 to 60 minutes 0Votes

Slow response — 1 to 24 hours 0Votes

Very slow response — Over 24 hours 0Votes

Upstart Pricing

How would you rate the overall pricing of this personal loan?

Great value for money — Feels like a smart deal for the cost 0Votes

Pretty good price — Worth it for what you get 0Votes

Fair deal — Acceptable for the features offered 0Votes

Kinda pricey — Costs more than expected 0Votes

Crazy expensive — Feels overpriced for the value 0Votes

Reviews ⁰

The good, the bad, and the brutally honest.

Average Rating

Upstart

0 / 5 0 Reviews

Discussions ⁰

Thoughts, takes, and hot debates.

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Highlights 48

Why is Upstart better than other personal loans ?

General Information

Loan Structure & Terms

Interest Rates & Fees

Eligibility & Requirements

Application & Approval Process

Repayment & Flexibility

Customer Experience & Support

Security & Compliance

Benefits & Perks

Financial Impact & Performance

Technical & Platform Features

Quick Take

Upstart

Quick Specs Breakdown

Specifications & Facts 167

General Information 10

Upstart Funding Speed

Upstart Loan Purpose

Upstart Application Method

Upstart

Upstart Brand Reputation

Upstart

Upstart Years in Operation

Upstart Borrower Type

Upstart Geographic Availability

Upstart Lender Type

Upstart Loan Category

Upstart Regulatory Compliance

Loan Structure & Terms 16

Upstart Minimum Loan Amount

Upstart

Upstart Maximum Loan Amount

Upstart Collateral Status

Upstart Minimum Loan Term

Upstart

Upstart Maximum Loan Term

Upstart Repayment Frequency

Upstart Interest Type

Upstart Co-signer Allowed

Upstart Collateral Required

Upstart Prequalification

Upstart Refinancing

Upstart Loan Renewal Option

Upstart Deferment Option

Upstart Forbearance Option

Upstart Grace Period Days

Upstart Loan Disbursement Method

Interest Rates & Fees 20

Upstart Minimum APR

Upstart

Upstart Maximum APR

Upstart Annual Fee

Upstart Origination Fee

Upstart

Upstart Fee Transparency

Upstart

Upstart Fixed Rate Option

Upstart Variable Rate Option

Upstart Late Payment Fee

Upstart Insufficient Funds Fee

Upstart Prepayment Penalty

Upstart Application Fee

Upstart Processing Fee

Upstart Underwriting Fee

Upstart Early Repayment Benefit

Upstart Rate Discount Autopay

Upstart Rate Discount Loyalty

Upstart Penalty APR

Upstart Interest Calculation Method

Upstart Hidden Fees Risk

Upstart APR Clarity

Eligibility & Requirements 19

Upstart Citizenship Requirement

Upstart Employment Status Required

Upstart

Upstart Age Requirement

Upstart

Upstart Proof of Address Required

Highlights ⁴⁸

Specifications & Facts ¹⁶⁷

General Information ¹⁰

Loan Structure & Terms ¹⁶

Interest Rates & Fees ²⁰

Eligibility & Requirements ¹⁹

Application & Approval Process ¹⁶

Repayment & Flexibility ¹⁶

Customer Experience & Support ¹⁵