Upstart personal loans: APR, fees and requirements
What Upstart publishes about its personal loans (6.3% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Online lender |
|---|---|
| APR range | 6.30% to 35.99% |
| Loan amounts | $1,000 to $75,000 |
| Repayment terms | 36 to 60 months |
| Origination fee | Varies; check the lender's rates and terms |
| Minimum credit score | Not published |
| Funding time | Funds sent in as fast as 24 hours (in June 2026, 65% of customers had the transfer initiated within 24 hours of approval and signing) |
| Availability | Minimum loan amounts vary by state: GA ($3,100), HI ($1,500), MA ($7,000). Maximum loan amounts may vary by state. Rate range varies by state. |
How the lender states its rates: “APRs from 6.3% - 35.99%, with 3 or 5 year terms: The full range of available rates varies by state. The lowest rates are only available to the most qualified applicants.”
How the starting rate compares
The lowest advertised APR, 6.30%, ranks 4 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Oportun
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OppLoans
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Achieve
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Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. upstart.com/personal-loans