What is considered income?

Since this is a personal loan, we only take your personal income into consideration. The following are acceptable forms of income:

  • Salary, bonus, or commission paid by your employer 
  • Hourly wages including overtime
  • Self-employment income that you’ve earned consistently for a full calendar year. Please note a filed tax return is required for verification
  • Income earned from being a shareholder in a corporation or partnership. Please note a filed tax return is required for verification
  • Rental property income that has been earned for a full calendar year. Please note a filed tax return is required for verification
  • Trust, Pension, Disability, Retirement, or Social Security income
  • Alimony, Child Support, or Separate Maintenance (Note: This income does not need to be disclosed if you do not want it considered in your application)


What is not considered income for the purpose of obtaining a loan on Upstart?

  • Your household income (we only take your personal income into consideration)
  • Inconsistent investment income or dividends from stocks
  • Unrealized gains from equity
  • Signing bonuses or relocation packages
  • Business income (we only take into account your personal salary from your business)

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