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Support Home Verification Can I use my household or spousal income? Can I use my household or spousal income? No. Since this is a personal loan, we only take your personal income into consideration. Was this article helpful? 48 27 Related Questions: Can I apply for a second loan? If you have already received a loan on Upstart, in...… Am I eligible to apply for a loan? To qualify for a loan, all loan borrowers must: 1)...… Are there any prepayment penalties? If you pay off early, you will not have to...…