How long does it take to get a loan with Upstart?

Do you want to know how long it takes to get a loan with Upstart? At Responsible Economy, we’ll answer this question by explaining the entire loan application process to you. Let’s get started!

Loan application process with Upstart

The first step to apply for a loan with Upstart is by filling out your personal information online on their website. This initial step only takes about 5 minutes. Later on, you’ll need to submit the documentation, and Upstart will need to review it within the next 48 hours.

After they review the documentation, you will need to accept the loan. If you accept your loan before 5 p.m. Eastern Time (excluding weekends and holidays), your funds will be sent on the following business day. Loans used to cover education-related expenses are subject to a 3-business-day waiting period between loan acceptance and funding in accordance with federal law.

Combining the time for document review and money transfer, you can have the funds in your bank account within a minimum of 2 days and a maximum of 5 days.

Tips to expedite the loan process

To expedite the loan process, we advise you to fill out the form accurately and in line with your actual information. Later, when they request documentation, any discrepancies can slow down the process.

It’s also important to stay attentive to both your mobile phone and email, as Upstart may try to reach out to you at any moment.

Other loans similar to Upstart include

Here is a comprehensive list of other loans similar to Upstart. You will be able to see the key features of each loan:

Logo SoFi loans
  • APR: 8.99-25.81%
  • Terms: 2-7 years
  • Amount: $5,000-$100,000
  • Credit Score: no
Logo LightStream loans
  • APR: 7.99-25.49%
  • Terms: 2-12 years
  • Amount: $5,000-$100,000
  • Credit Score: 660
Logo Upstart loan
  • APR: 6.50-35.99%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: no
Logo Happy Money loans
  • APR: 10.50-29.99%
  • Terms: 2-5 years
  • Amount: $5,000-$40,000
  • Credit Score: 640
Logo upgtrade loans
  • APR: 8.24-35.97%
  • Terms: 2-7 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Best Egg loan
  • APR: 8.99-35.99%
  • Terms: 3-5 years
  • Amount: $2,000-$50,000
  • Credit Score: 600
Logo Universal credit loans
  • APR: 11.69-35.93%
  • Terms: 3-5 years
  • Amount: $1,000-$50,000
  • Credit Score: 560
Logo Discover personal loans
  • APR: 6.99-24.99%
  • Terms: 3-7 years
  • Amount: $2,500-$40,000
  • Credit Score: 660
logo rocket loans
  • APR: 9.116-29.99%
  • Terms: 3-5 years
  • Amount: $2,000-$45,000
  • Credit Score: 640

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Updated the day 1 September, 2023 by Alfredo Barandiarán

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Alfredo Barandiarán
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