Overview

If you prefer to split your monthly loan payment into two smaller installments, you may be eligible for twice-monthly AutoPay payments. This guide explains eligibility requirements and how to enroll.

Who Qualifies for Twice Monthly Payments?

• Your account must be current (no past-due payments).
• You must schedule the twice-monthly AutoPay at least 16 days before your next due date.
• Payments must be scheduled at least 5 days apart but no more than 30 days apart.
• No payment can be scheduled more than 15 days past your due date.

📌 If you navigate to the AutoPay page within 15 days of your due date, you will only be able to set up twice-monthly payments for the next billing cycle.

How to Enroll in Twice Monthly AutoPay

On a computer:

1. Log into My Account.
2. Click on the loan card you want and navigate to the Payments section.
3. Click Edit AutoPay.
4. Select the Twice a Month payment option.
5. Choose your preferred payment date.  The second payment date will be automatically added.  Check the proposed payment date to ensure it will work for you.
6. Confirm your selections, and AutoPay will begin for the next billing cycle.

On the Upstart mobile app (iOS only):

1. Log into the Upstart mobile app.
2. Click on the loan card you want.
3. Click on Manage AutoPay.
4. Click on the drop-down menu under the calendar and select “Twice a month (Split payments).”
5. Choose your preferred payment date.  The second payment date will be automatically added.  Check the proposed payment date to ensure it will work for you.
6. Confirm your selections, and AutoPay will begin for the next billing cycle.

Making Twice Monthly Manual Payments

• If you are not eligible for twice-monthly AutoPay or prefer manual payments:
  You can manually schedule two or more one-time payments using the “Make a Payment” button in your My Account or in the app.
• Payments can also be made via paper check by mail. The mailing address is available in your account.