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, better yet, complete our 2 minute application and find out your personalized interest rate and APR. 

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