Halloween Sales
Upstart Coupon Codes
We regularly check the coupons and deals and update them when offer details change.
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Frequently Asked Questions
Where do I enter an offer code?
If you got a mail offer code, enter it at upstart.com/myoffer or use the "Have a mail offer code?" link on the homepage. The code is printed on your offer letter.
Can I combine more than one code?
No, the only code tied to Upstart is the mail offer code, and it unlocks a pre-screened rate rather than a separate discount. No stackable promo codes are listed.
How fast will I get my money?
Personal loan funds are usually sent the next business day if you accept your terms before 5pm ET, Monday to Friday, excluding holidays. Later acceptances, weekends, and holidays move funding to the following business day.
Will checking my rate hurt my credit score?
No, checking your rate is a soft inquiry. If you accept an offer and continue, Upstart runs a hard inquiry that does affect your score.
Is there a fee for paying my loan off early?
No, there is no prepayment penalty, and you can pay part or all of the balance at any time. An origination fee, if you were charged one, is not refunded.
What is the difference between interest rate and APR?
The interest rate is only part of the cost. APR includes the interest rate plus fees such as the origination fee, so it shows the full annual cost.
Is Upstart the lender?
No, Upstart is a marketplace, and every loan is made by a regulated bank or credit union partner. Check your promissory note for the lender's terms.
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