Personal Loan
Flexible funds for the things you need now.
$1,000 – $50,000
Explore Personal LoansPersonal loans, made simple
Borrow smarter.
Move forward.
Personalized lending solutions designed to fuel your next big step — built around clarity, speed, and your goals.
Trusted by 50k+ borrowers
Won't affect your credit score
Limit
$25,000
5.4%Fixed APR
PRE-APPROVED
A simpler borrowing experience
- 4.8/5 customer experience
- Fast digital application
- Transparent loan terms
- Secure online experience
Find the right loan for what matters to you.
From consolidating debt to handling a major expense, explore flexible borrowing options.
Debt Consolidation
Combine multiple balances into one simpler payment.
Explore Debt ConsolidationHome Improvement
Refresh your space without putting your plans on hold.
Explore Home ImprovementMajor Expenses
Cover unexpected or planned expenses with a clear repayment plan.
Explore OptionsLoan calculator
See what your monthly payment could look like.
$15,000
$5,000$50,000
Loan term
12.0%
5%36%
Estimated monthly payment
$334
- Loan amount
- $15,000
- Total interest
- $5,020
- Total repayment
- $20,020
Calculator results are estimates for illustrative purposes only and do not constitute an offer of credit.
From application to funds, without the runaround.
- 01
Tell us what you need
Share a few details about yourself and the loan you're looking for.
- 02
Explore your options
Review available terms and estimated payments in one simple experience.
- 03
Choose what works
Select the option that best fits your needs and complete the process digitally.
Upstarts SmartMatch™
Meet your smarter borrowing assistant.
SmartMatch™ uses intelligent decision-support technology to help organize your borrowing information and highlight options worth exploring.
Upstarts SmartMatch™
Analyzing your preferences...
- Income stability88%
- Repayment capacity76%
- Credit profile depth64%
- Requested amount
- $15,000
- Loan term
- 60 months
- Purpose
- Debt consolidation
Your profile looks like a strong match for flexible personal lending.
Recommended
$10,000 – $20,000
- Estimated APR
- 9.99% – 24.99%
- Est. monthly payment
- From $319/mo
- Best use
- Debt consolidation
Good fit for debt consolidation
View Example OptionsEstimates are illustrative and are not an offer of credit.
No hard credit check required to explore your options.
Borrowing should feel clearer.
Clear terms
Know what you're looking at before you move forward.
Digital first
Complete the process from wherever you are.
Flexible options
Explore different amounts and repayment terms.
Built around you
A borrowing experience designed around real financial goals.
Money is about more than numbers.
Whether you're consolidating debt, improving your home, or planning what's next, borrowing should help you move forward with confidence.
A better borrowing experience.
Real stories from borrowers who moved forward with Upstarts.
“The process felt straightforward and I finally understood what I was signing up for.”
“Seeing one estimated payment instead of four different balances made the decision simple.”
“No jargon, no surprise fees in the breakdown. It felt built for people, not paperwork.”
Questions, answered.
Actual eligibility, terms, rates, and fees depend on the lender and the information provided by the applicant.
A personal loan is a fixed-amount installment loan you repay in equal monthly payments over a set term. Funds are typically unsecured, meaning no collateral is required, and can be used for things like consolidating debt, home projects, or unexpected costs.
Personal loan amounts commonly range from $1,000 to $50,000. The amount you may qualify for depends on factors such as income, existing obligations, credit history, and the lender's own criteria.
Rates are generally based on credit history, income, requested amount, loan term, and other information you provide. Applicants with stronger credit profiles typically see lower annual percentage rates.
Most digital applications take just a few minutes to complete. Additional verification, such as confirming income or identity, may add time before a final decision.
Checking estimated rates usually involves a soft credit inquiry, which does not affect your credit score. A hard inquiry may occur later if you continue with a formal application.
Yes. Many borrowers use a personal loan to pay off higher-rate balances, such as credit cards, and replace them with a single fixed monthly payment.
APR, or annual percentage rate, reflects the yearly cost of borrowing including interest and certain fees. It is a useful way to compare offers on a like-for-like basis.
Many personal loans allow early payoff without a prepayment penalty, which can reduce total interest paid. Always review your specific loan agreement for details.
Ready to see what you may qualify for?
Take the first step and explore your potential loan options.
Check My RateChecking your rate is a soft inquiry and won't affect your credit score.