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Borrower Eligibility Will I be eligible for a Loan? Why was I disqualified? Can Upstart make exceptions for unique situations? Can I use a cosigner? What are the minimum credit requirements to receive a loan? See all articles › Applying for a Loan Can I apply for a second loan? How does applying for a loan affect my credit? When and how do I receive my loan funds? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? Can I change my loan application after it has been submitted? See all articles › Verification How do I get my transcript? Can I use my household or spousal income? What documentation will verify my income? Can I increase my loan amount after I have accepted my loan terms? What is considered income? See all articles › Making Loan Payments How can I delete an old bank account? Can I split my monthly payment into two or more installments? Does Upstart charge a prepayment fee or penalty? What portion of my payment is interest vs. principal? What are my payment obligations? See all articles › About Upstart What is Upstart? How can I contact Upstart? See all articles › Auto Insurance (Auto-secured Personal Loans) Do I need to contact my insurance company? What happens if I’m in an accident? What if my car gets totaled? What if I need to update information on my title? What if I move and need to update my mailing address? What if I switch insurance providers for my vehicle? See all articles › Popular questions Can I apply for a second loan? When and how do I receive my loan funds? Will I be eligible for a Loan? What are the minimum credit requirements to receive a loan? Options for Making Payments Can I split my monthly payment into two or more installments?