All Upstart loans offer a fixed rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history. 

Upstart loans also have a one-time finance charge, therefore we calculate your APR to include the fixed interest rate of your loan and the one-time fee.

The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive of the interest rate and all other associated fees. Please carefully consider the loan terms presented to you by Upstart.com and if the loan offer fits your goals and finances. There are other personal loan lenders who might be able to provide you with similar or other loan options that might be a better fit. When comparing loan products, it is important to consider the APR of each product.