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 on-time monthly payments for the six previous consecutive months. 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
  3. Have no more than $50,000 of outstanding principal at the time the loan originates

If you have finished paying off an existing Upstart loan and made on-time monthly payments for the 6 previous consecutive months, you are able to apply for a second loan immediately.

If you have finished paying off an existing Upstart loan and 
any of the 6 most recent monthly payments were not on time or you paid off the loan before reaching 6 monthly payments, there is a 60 day cooling off period before reapplying. 

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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