To qualify for a loan, applicants must:

• Be at least 18 years old;

• Have a valid email address;

• Have a verifiable name, date of birth, and social security number;

• Earn a minimum annual income of $12,000;

• Meet our lending partners’ minimum credit requirements; and

• Have a personal bank account at a U.S. financial institution with a routing transit number;

  • Note: This requirement does not apply to auto refinance loans.

• Have a full time job, a full time job offer starting within 6 months, a regular part time job, or another source of regular income;

• Additional requirements may apply.

However, when you check your rate on Upstart, it will not impact your credit score. Please note that not everyone who applies will be approved.