Overview

After your loan is originated, you’ll receive payment instructions and can schedule payments using one of the following methods:

• Recurring AutoPay (ACH) – Automatically deduct payments on the due date.
• Manual ACH Payments – Make one-time payments through your online account.
• Check Payments – Mail a check for your loan payment.

Scheduling payments online is the fastest and most secure way to stay on track with your loan.

How to Make a One-Time Payment

If you have not set up AutoPay, you will see a "Make a Payment" button on your My Account dashboard. If AutoPay is enabled, this button will appear as "Schedule Another Payment."

To schedule a one-time payment:

1. Log in to My Account or the Upstart mobile app.
2. Select the loan card for the loan you want to pay.
3. Select Make a Payment or Schedule Another Payment at the top of the loan summary.
4. Enter your payment details and choose a payment date.
5. Confirm and submit your payment.

💡 Note: One-time payments do not replace your scheduled AutoPay unless you manually adjust your AutoPay settings.

📌 For more details on one-time payments, see: Making Additional or One-Time Payments

How to Set Up Recurring AutoPay

AutoPay automatically deducts your loan payment each month. To enable AutoPay:

1. Log in to My Account or the Upstart mobile app.
2. Select the loan card for the loan you want to update.
3. Select Set Up AutoPay.
4. Enter your bank account details and confirm your payment preferences.
5. Save your changes to enable automatic payments.

💡 AutoPay is available for all loan products and follows the same scheduling rules across loan types.

📌 For more details on AutoPay, see: Setting Up and Managing Automatic Loan Payments (AutoPay)

How to Set Up Twice-Monthly Payments

Some borrowers may be eligible for bi-monthly payments, allowing you to split your monthly installment into two smaller payments.

1. Log in to My Account or the Upstart mobile app.
2. Select the loan card for the loan you want to update.
3. Open your AutoPay settings.
4. Select the Twice Monthly payment option.
5. Choose your preferred payment date. The second payment date will be added automatically.
6. Confirm your selections. AutoPay will begin with the next billing cycle.

💡 Eligibility for twice-monthly payments depends on your loan terms and timing.

📌 For eligibility and setup details, see: Twice Monthly Loan Payments: Who Qualifies and How to Enroll

Other Payment Options

Borrowers may also submit payments via check or bill pay through their bank.

📌 For a full list of repayment methods, see: Loan Repayment Options