Apply for Upstart Personal Loan at

by cclogin November 18, 2022

Upstart Personal Loan –

If you are lucky enough to get the Upstart promotional loan offer through the US Mail you must have a decent credit score. Through this article, we will discuss how you can easily apply for the Upstart Personal Loan at Here, we will discuss the step-by-step procedure to apply for a personal loan.

About Upstart

Upstart is one of the first companies to use AI to improve access to affordable credit. If you have the FICO score, then you will need at least a 300 to be approved. If you don’t have an established credit history, still you will be approved for the loan from Upstart, depending on your situation. You must have a source of regular income, a bank account, and a valid email account.

Upstart provides fast funding for their personal loans, relatively low rates, and positive customer service reviews. However, you have to pay a certain fee for a personal loan, so it is important to compare options from different lenders before applying.

Upstart Personal Loan Features

  • Prequalification With a Soft Credit Inquiry: Like most of the other lending platforms, Upstart lets you check your rate with a soft credit pull. That means, your credit won’t take a hit. If you decide to apply for the loan through Upstart, then the lender will perform a hard inquiry.
  • Online Application: It is very easy to apply for a personal loan online through Upstart, which is great for people who like to do things digitally. However, you will also get some other borrowers who allow you to apply by phone or in person, and Upstart doesn’t offer those options.
  • Second Loan: Eligible borrowers may be able to get a second loan via Upstart. For instant, if you look out for a loan for a home improvement project, then surprise medical bills come up, then you could potentially qualify for a second loan.

Apply for Upstart Personal Loan at

It is very easy to apply for the Upstart Loan with the promotional offer. If you have received a mail offer with the offer code, then you can easily apply for the loan. In order to apply for the Upstart Personal Loan, you have to follow these simple instructions below:

  • You need to visit this link
  • Then, you need to enter your offer code in the given field.
  • After that, you have to click on the Check Your Rate option.
  • Then, you can simply follow the on-screen instructions to complete the Upstart Loan Application.

Upstart Powered Loans Personal

Upstart Loan Terms and Fees

  • Upstart offers the fixed rates personal loans. Their loan range starts from $1,000 to $50,000.
  • Their loan repayment terms are for three to five years. After applying for the loan, you will get the funds within 2 to 5 days.
  • The funds will be deposited into your account directly

How to Access the Upstart Login Portal

You can easily manage your Upstart Loan through the Upstart Login portal. You have to follow these simple instructions below to access your login account:

  • Firstly, you have to visit this link
  • Then, from the top right-hand corner of the page, click on the Log In option.
  • You have to enter your valid Email Address and Password in the given fields.
  • After entering your login credentials, you have to click on Log In option.
  • If your provided login credentials are correct, you will be logged in to your Upstart Login


Upstart Login


How to Reset the Password of Upstart Login

For any reason, if you forgot the password to the Upstart Login portal, you have to reset it by following these simple instructions below:

  • You need to visit this link
  • Then, click on the Log In option, located in the top right-hand corner.
  • There, under the login section, you need to click on Forgot Your Password.
  • You need to enter your registered email address in the given space.
  • After that, you have to click on the Submit button for further steps.
  • Then, you have to check your registration email for the password reset link.
  • Then, from your email inbox, click on the link which is provided and sent to you by Upstart.

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Upstart Customer Service

If you have any queries about the Upstart Loans, then you can contact Upstart Customer Service. To reach out to the customer service department, you can use the following details:

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 to 8 PM ET)
Sat and Sun:
6 AM – 5 PM PT (9 AM to 8 PM ET)

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


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

FAQs about Upstart Personal Loan

Q: How do I make payments?

A: The payment instructions will be provided after your loan originates. Payments can be made via either recurring ACH, manual ACH, or check.

Q: Who will my lender be?

A: The lender will be a bank that Upstart has partnered with to offer you a loan offer.

Q: When and how do I receive my loan funds?

A: If you are approved for the loan and complete all the steps before 5 pm ET on a business day, you should receive your loan proceeds approximately the next business day. If the loan is accepted after 5 pm ET on a business day, then you should get your loan proceeds approximately 2 business days later. If you are getting the loan for educational purposes, then it will take an additional 3 business day period between when you accept your loan and when you will receive the funds.

Q: Am I eligible to apply for an Upstart loan?

A: To get qualify for the personal loan, you must meet the following criteria:

  • You have to be a US citizen currently living in the United States, or a permanent resident of the US
  • Be at least 18 days old
  • Need a valid email address
  • Have a verifiable name, date of birth, and SSN
  • Have a full-time job, a full-time job offers to start in 6 months, a regular part-time job, or another source of regular income
  • Need a personal banking account at a US financial intuition with a routing transit number
  • Must meet the minimum credit requirements


So, this is all about the Upstart Loans at Through this article, we have tried to provide the step-by-step procedure to apply for a loan. If you have the offer code, then you can easily apply for the loan by following the above-mentioned instructions. Here, in this article, we have also tried to include some additional information about the Upstart Personal Loan.

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