Overview

Upstart partners with banks and credit unions to offer a variety of loan products, including personal loans and auto loan refinancing.  However, availability varies by state based on lender participation and state regulations.

The best way to determine if you’re eligible for a loan is to start an application—checking your rate is a soft credit inquiry and will not impact your credit score.

📌Note: If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score.

Loan Availability by Product and State

Relief Loan Availability

Relief loans are available in most U.S. states, except the following:

❌ District of Columbia
❌ Colorado
❌ Connecticut
❌ Georgia
❌ Hawaii
❌ Iowa
❌ Maine
❌ Maryland
❌ Massachusetts
❌ Nevada
❌ New York
❌ Vermont
❌ West Virginia
❌ Wisconsin

Auto Secured Personal Loan Availability

Auto secured personal loans are available in most U.S. states, except the following:

❌ Armed Forces Africa / Canada / Europe / Middle East

❌ Armed Forces Americas

❌ Armed Forces Pacific

❌ American Samoa

❌ Colorado

❌ Connecticut

❌ District of Columbia

❌ Guam

❌ Iowa

❌ Maine

❌ Maryland

❌ Nevada

❌ New York

❌ Northern Mariana Islands

❌ Vermont

❌ West Virginia

❌ Puerto Rico

❌ U.S. Virgin Islands

Auto Loan Refinancing Availability

Auto loan refinancing is available in most U.S. states, except the following:

❌ Iowa
❌ Louisiana
❌ Maryland
❌ Nevada
❌ Puerto Rico
❌ West Virginia

Cash Line Availability

This product is a beta service which means it is not widely available. At this time, you cannot directly apply or reapply for this product. 

Cash Line loans are available in most U.S. states, except the following:

❌ District of Columbia

❌ Colorado
❌ Connecticut
❌ Georgia

❌ Illinois

❌ Iowa

❌ Louisiana
❌ Maine
❌ Maryland
❌ Massachusetts
❌ Nevada

❌ New Hampshire

❌ New Mexico
❌ New York

❌ Northern Mariana Islands

❌ Puerto Rico

❌ Tennessee

❌ US Virgin Islands
❌ Vermont

❌ Washington
❌ West Virginia
❌ Wisconsin

How to Check Your Eligibility

The fastest way to find out if you qualify for a loan in your state is to start an application:

✔ Go to Upstart.com or the Upstart mobile app and select the loan product you’re interested in.
✔ Enter basic information to check your rate—this will not impact your credit score.
✔ See available offers based on your location and eligibility.

If the loan product you applied for is not available in your state, your application will be declined, and you will receive an adverse action notice confirming the reason for your denial.

📌Reminder: If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score.

Next Steps

• If your desired loan product is available in your state, you can proceed with your application.
• If it’s not currently available, check back later—we are working to expand access.