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Support Home Applying for a Loan Can I apply for a second loan? If you currently have a loan from Upstart, in order to be eligible for another lo… How does applying for a loan affect my credit? Checking your rate with Upstart will not affect your credit score. If you procee… When and how do I receive my loan funds? If you accept your loan before 5:00pm EST Monday-Friday, you should receive your … What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? All Upstart loans offer a fixed rate, but individual rates are determined based o… Can I change my loan application after it has been submitted? You will not be able to edit your application once it is submitted. Please be sur… What can I use the loan proceeds for? You can use your loan proceeds for almost anything. The following are some option… How much money can I borrow? You can borrow between $1,000 and $50,000 Please note, there are state-specific … What agreements do I have to agree to in order to receive a loan? In order to receive your loan you must agree to the Borrower Platform Agreement, … How are interest payments calculated? Upstart uses simple interest to calculate interest payments. A specific interest … How do I apply for a loan? Please complete the brief online application that will include information about … What is the difference between a soft and hard credit inquiry? There are two kinds of inquiries (or pulls) that can occur on your credit report:… Can I negotiate the rate or my loan terms? No, you cannot negotiate the loan terms or rate. Your rate is generated by Upstar… Why do you need my social security information? We must collect and verify your personal information, including your date of birt… Can you withdraw or delete my application? If you wish to withdraw from the application process, please email us at fw.suppo… What fees am I charged? Additional fees may be applicable for Auto-secured Personal Loans if a payment i… Are loans through Upstart fixed rate or variable rate? All loans through Upstart have a fixed interest rate, which means it won't change… How to Calculate Your Income If you’re self-employed and you’d like to use your income from this job as the in… What is the difference between an unsecured personal loan and a secured personal loan? An unsecured personal loan is money borrowed from a lender that is not secured by… What if I have an existing loan on my vehicle? In order to use a vehicle as collateral to secure a personal loan through Upstart… What’s the difference between a co-borrower and a co-owner? A co-borrower is someone who is jointly responsible for repaying your loan, while… Can I use a commercial vehicle for an Auto-secured Personal Loan? How about a vehicle used for commercial purposes? Loans through Upstart do not support using commercial vehicles as collateral. Ups… What do I need to do after my Auto-secured Personal Loan application is approved? After your Auto-secured Personal Loan application is approved and you accept the …