All Upstart loans offer a fixed rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history. The range of rates offered to actual Upstart customers in the last month as well as the average rate can be seen on the Upstart home page.

The interest rate is only 1 factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive both of interest rate all other associated fees. When comparing loan products, it is important to consider the APR of each product.