Can I apply for a second loan?

If you have already received a loan on Upstart, in order to be eligible for another loan, you must:

1) have made 6 on-time monthly payments for your 6 previous consecutive payments. On-time payments means that a payment was received during the grace period (no more than 10 days past due),
2) have no more than 1 outstanding loan through Upstart at the time of application, and
3) have no more than $50,000 of outstanding principal at the time the loan originates.

If you finished paying off an existing Upstart loan, there is a 60 day cooling off period before you are eligible to apply for another Upstart loan.

To create a second application we require you to use a different email address than what you may have previously used on another application.


To apply for a second loan, check your rate here!

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