Upstart: personal loan terms and fees
A lending marketplace with bank-specific offers and state-dependent terms.
Product details and conditions
Provider role
Upstart Network is not a lender. Regulated financial institutions make loans on its marketplace.
Personal loan — official product terms ↓Amounts and terms
The page advertises $1,000–$75,000 with 3- or 5-year terms. State minimums and maximums vary; not everyone qualifies for the full amount.
Personal loan — official product terms ↓APR and fees
Advertised APRs are 6.30%–35.99%, based on five-year rates offered in June 2026. Origination, late-payment and returned-payment fees may apply. The product disclosure states no prepayment penalty.
Personal loan — official product terms ↓Credit inquiries and collateral
Checking rates uses a soft inquiry; proceeding with the application triggers a hard inquiry. Although many loans are unsecured, certain offers can involve a vehicle lien or liens on accounts with the lender; read the promissory note.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24 · Document date: June 2026 (five-year loan offer data)