Borrower Eligibility Eligibility Requirement for an Upstart Relief Loan Why was I disqualified? Can Upstart make exceptions for unique situations? Can I use a cosigner? What are the minimum credit requirements to receive a loan? See all articles › Applying for a Loan Can I apply for a second loan? How does applying for a loan affect my credit? When and how do I receive my loan funds? What is the difference between Interest Rate and APR? Can I change my loan application after it has been submitted? See all articles › Verification How do I verify my reported education? Can I use my household or spousal income? What documentation will verify my income? What is considered income? What is not considered income for the purpose of obtaining a loan on Upstart? See all articles › Making Loan Payments How do I view my current obligations, when payment is due and other details about my loan? Can I split my monthly payment into two installments? Does Upstart charge a prepayment fee or penalty? What are my payment obligations? What happens if I am late on my payment for my loan? See all articles › Financial Fitness Dashboard What should I do if I see a discrepancy in my credit report? How do I improve my credit score? See all articles › About Upstart What is Upstart? How can I contact Upstart? How do I change my email? Do you consider foreign currency? Can you assist in other languages? See all articles › Popular questions Does Upstart charge a prepayment fee or penalty? When and how do I receive my loan funds? Can I apply for a second loan? Eligibility Requirement for an Upstart Relief Loan What happens if I am late on my payment for my loan? What are the minimum credit requirements to receive a loan?