If you have already received a loan on Upstart, in order to be eligible for another loan, you must:
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 after your most recent payment is cleared (14 days from the payment date).
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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