Are loans through Upstart fixed rate or variable rate?

All loans through Upstart have a fixed interest rate, which means it won't change throughout the term of the loan. 

Upstart loans also have a one-time origination fee, therefore we calculate your APR to include the fixed interest rate of your loan and the one-time fee.

You can see the range of interest rates we offer on our homepage at or, you can submit an application to see what your personalized interest rate and APR might be if you take out a loan. When you check your rate on, a soft inquiry will be conducted which may be visible on your credit report but have no impact on your credit score.

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