Upstart Personal Loans offers one of the fastest approvals on the market, and you can apply in a couple of minutes. Funding also happens very quickly, usually within one business day. 

The company does not require a credit history to qualify applicants. They have their own underwriting method for approving borrowers, which makes it easier for people with no credit.

Are you ready to take the next step and apply for a loan with Upstart Personal Loans? If so, we have prepared a complete walkthrough of the process. Just keep reading, and we will show you how to do it.

Even though Upstart does not require applicants’ credit history, it has a few requirements you must meet. To apply, you must meet the following criteria:

If you meet all of the above-mentioned points, you are ready to start the application process below. Let’s get to it!

On Upstart’s website, locate the “Borrow” option on the right-hand side of the upper tab. Once you click on it, it will reveal a dropdown menu where you can select the loan type you want.

For the sake of this guide, we will look at personal loans, but you can select whichever makes the most sense to you. To look at personal loans, click on “Explore Personal Loans”.

On the next page, locate the “Check Your Rate” button and click on it. This will take you to the next page, where you must enter the amount you would like to borrow. Once you fill it in, click “Next”.

Now, enter the purpose of your loan and click “Next” to continue. Then enter your first and last names and hit “Next” once again. After that, on the next page, enter your date of birth. Hit “Next”.

Once you have done that, you will arrive at the address page. Enter your address and hit “Next” to continue to the email page, where you must enter your email. Then click “Next” one more time.

Now enter your phone number and click “Next”. Then the website will require you to provide your highest level of education.

Fill that in and hit “Next”, and you will now have to provide a few more details about your education.

After that, you must enter your employment and financial information. Fill those in and click “Next”. Then, on the next page, you will have to provide information on your savings.

The website will also ask you if you have taken out any new loans in the past 3 months. Select “yes” or “no” and hit “Next”. Then, create a password for your account, and click “Next”.

Almost done! On the next page, read the terms presented, check the box if you agree, and click “Agree and Check Your Rate”.

Then, on the next page, enter your Social Security number and click on “Get Your Rate”.

After that, you will be able to view your offer. If you like it, it is yours! 

It might be the case that you are looking for a loan specifically tailored to students. In that case, you may want to check out Discover Student Loan.

Discover charges no fees, and if you enroll in autopay, you can get a 0,25% discount on your interest rate. Sounds interesting? Then click the link below, and we will tell you all about it.