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Support Home Applying for a Loan Can I negotiate the rate or my loan terms? Can I negotiate the rate or my loan terms? No, you cannot negotiate the loan terms or rate. Your rate is generated by the model and based on the details that you entered into our application and your soft credit pull. Was this article helpful? 9 20 Related Questions: Can I apply for a loan to attend a coding bootcamp? The following are bootcamps that Upstart supports for funding student...… Can I change my due date? The due date, which is stated in the dashboard and...… What documentation will verify my income? All documentation must: have your name and the company name...…