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Reliable & Rapid Personal Financing

$1,000 - $50,000* | 3 year minimum OR 5 year maximum loan terms² | APR ranges from 7.8% - 35.99%²

Funded - Next Day

99% of applicants get money just 1 business day after accepting their loans.⁴

Lower Rates

36% lower rates as compared to a traditional model.⁵

No Prepayment Penalty

You may pay off part or all of the loan at any time with no prepayment fee.

What Our Borrowers says

Alexander L

“Thanks to Upturn, I was able to buy the car of my dreams. The application process was smooth, and I got my funds in just a few days!”
 

Josephine R

“I was skeptical about taking out a personal loan, but Upturn made it simple and stress-free. They took the time to understand my needs and provided a loan that worked perfectly for me.”

James R

“The online application was quick, and the rates were better than I expected. I’m now on track to a debt-free future!”  
 

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FAQ

  • What Defines A Personal Loan?

    An unsecured personal loan is money borrowed from a lender that is not secured by property such as a house or car over a fixed period of time.

  • How Soon Will I Receive My Funds?

    If you accept your loan by 5pm ET Monday through Friday, your funds will be transferred the next business day. If accepted after 5pm ET on weekdays, the transfer will occur on the following business day. For loans used for education-related purposes, there is an additional 3-business-day waiting period between accepting the loan and receiving the funds.

  • What Is My Borrowing Limit?

    You can borrow anywhere from $1,000 to $50,000*, though some states have specific minimum loan requirements. The exact amount you’re eligible for will depend on your qualifications and the details provided in your application.

  • Will This Impact My Credit Score?

    Checking your rate on Upturn won’t affect your credit score. We perform a "soft credit inquiry" when you check your rate, which doesn't lower your score, though it will appear on your credit report. However, if you proceed with your loan application after receiving a rate, a "hard credit inquiry" will be made to verify your information. This inquiry will be noted on your report and may impact your credit score.

  • What Are The Loan Rates?

    All Upturn loans come with a fixed interest rate, but the specific rate is determined by factors such as an applicant's education, work experience, and credit history. Rates range from 7.8% to 35.99%.² The interest rate is just one aspect of the loan's cost. The total cost is best represented by the APR, which includes both the interest rate and any additional fees. When comparing loan options, it's important to focus on the APR for a complete picture of the loan's cost.

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2024, Upturn USA LLC, All Rights Reserved.
In March 2024, 62% of Upturn customers received their funds in 24 hours upon approval and signing the promissory note.
○ ²Upturn powered loans offer rates between 7.8% - 35.99% and terms of 3 or 5 years. The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.08% and an 8.73% origination fee of $873, for an APR of 24.68%. In this example, the borrower will receive $9127 and will make 60 monthly payments of $266. APR is calculated based on 5-year rates offered in March 2024. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
○ ³Checking your rate will not affect your credit score. If you proceed with your application, a hard credit inquiry will be made, which could affect your credit score. Loan approval and terms are based on your credit score, income, and other factors.
○ When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
○ If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund
education-related expenses are subject to a 3-business-day wait period between loan acceptance and funding in accordance with federal law.
○ As of October 2023, and based on a comparison between the Upturn model and a hypothetical traditional model. For more information on the methodology behind this study, please see Upturn’s Annual Access to Credit results here.