A smarter loan. You earned it. Upstart is an online lending platform that uses data to bring together high potential borrowers and investors.
Founded by ex-Googlers, Upstart is an online lending platform that goes beyond the FICO score to finance people based on signals of their potential, including schools attended, area of study, academic performance, and work history. Our proprietary underwriting model identifies high quality borrowers despite limited credit and employment experience. More Info »
Upstart offers 3-year fixed interest loans. Funds can be used for almost anything, including starting a business, paying for a coding bootcamp, eliminating student debt or paying off credit cards.
Mission: Using data to offer better access to capital on fair and flexible terms.
Our rates can be half those charged by credit cards and other online lenders.
* APRs starting below 7%
* 3 year repayment term
* No early repayment fee