Personal loans, made simple
A smarter way to borrow money.
Explore personal loan options with a simple digital experience built around clarity, speed, and your financial goals.
Checking your rate won't affect your credit score.
Your estimated offer
$15,000
From 9.99% APR
A simpler borrowing experience
- 4.8/5 customer experience
- Fast digital application
- Transparent loan terms
- Secure online experience
Loan products
Find the right loan for what matters to you.
From consolidating debt to handling a major expense, explore flexible borrowing options.
Loan calculator
See what your monthly payment could look like.
Choose a loan type
Estimated monthly payment
$332.91
per month for 60 months
- Loan amount
- $15,000
- Total interest
- $4,975
- Total repayment
- $19,975
Calculator results are estimates for illustrative purposes only and do not constitute an offer of credit.
How it works
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...
Your profile looks like a strong match for flexible personal lending.
Estimates are illustrative and are not an offer of credit.
Recommended for you
$10,000 – $20,000
- Estimated APR
- 9.99% – 24.99%
- Estimated payment
- From $319/mo
- Loan term
- 60 months
- Best use
- Debt consolidation
Estimates only — no credit decision is being made.
Why Upstarts
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.
Life moments
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.
Sample testimonials
A better borrowing experience.
"The process felt straightforward and I finally understood what I was signing up for."
Sarah M.
Home Improvement
"Seeing one estimated payment instead of five separate balances made the decision much easier."
Daniel R.
Debt Consolidation
"Clear numbers, no jargon, and I could compare terms before committing to anything."
Priya K.
Major Expense
Illustrative examples. These are not verified customer testimonials.
Resources
Questions, answered.
A personal loan is a fixed-amount installment loan that you repay in equal monthly payments over a set term. It is typically unsecured, meaning no collateral is required.
Illustrative amounts on this site range from $1,000 to $50,000. In a real application, the amount offered would depend on the lender's criteria and your financial information.
Rates are generally based on factors such as credit history, income, existing obligations, loan amount and term length. Different lenders weigh these factors differently.
A digital application usually takes a few minutes to complete. Verification steps and funding timelines vary by lender.
Checking an estimated rate is typically a soft inquiry and does not affect your credit score. Submitting a full application may result in a hard inquiry.
Yes. Many people use a single installment loan to combine higher-interest balances into one predictable monthly payment.
APR (Annual Percentage Rate) reflects the yearly cost of borrowing including interest and certain fees, which makes it useful for comparing offers.
Many personal loans allow early repayment without a penalty, but prepayment terms differ by lender and should always be confirmed in your agreement.
Actual eligibility, terms, rates and fees depend on the lender and the information provided by the applicant.
Ready to see what you may qualify for?
Take the first step and explore your potential loan options.
Checking your rate is a soft inquiry and won't affect your credit score.