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Upstart personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 46.4%

• APR6.3%–35.99% upstart.com, 2026-10-12
• Origination feenot found upstart.com, 2026-10-12
• Terms36 months–60 months upstart.com, 2026-10-12
• Loan amounts$1,000–$75,000 upstart.com, 2026-10-12
• Minimum credit scorenot published (not found) upstart.com, 2026-10-12

Note: Origination fee range not found on page (example shows 8.15%)

Complaint record (CFPB)

• Complaints, last 12 months1,504
• Trend▲ 58.5% (last 12 mo 1,504 vs prior 12 mo 949)
• Timely response (last 36 mo)99.9%
• Top issueIncorrect information on your report
• Insurance statusNot an FDIC/NCUA-insured institution itself

Company-level (Upstart Holdings, Inc.), all products, as of 2026-10-12. Upstart complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 9.7/10Lowest APR 6.3%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 0.0/10Max APR 35.99%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 2.0/10not found — unknown, scored 2.0/10 (lower of neutral 5 and comparison median)
• Term range 4.0/10Terms 36–60 months. Score = span/6 months, max 10.
• Max loan amount 7.5/10Up to $75,000. Score = max/$10k, max 10.

0.200×9.7 + 0.200×0.0 + 0.200×2.0* + 0.200×4.0 + 0.200×7.5 = 4.64 → 46.4% (* unknown, imputed)

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FAQ

What APR does Upstart charge?

6.3%–35.99% upstart.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.