To qualify for a loan, all loan borrowers must:

1) have a U.S residential street address that you currently reside at; (unless military personnel on active duty, in which case it is not required to have a U.S residential street address.)

2) Resides in a state that the program is offered - Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, and Wyoming

3) be at least 18 years old;

4) have a valid email account;

5) have a verifiable name, date of birth and social security number;

6) have a full time job, a full time job offer starting in 6 months (except if accepted to a partner bootcamp and seeking employment after graduation), a regular part time job or another source of regular income;

7) have a personal banking account at a U.S. financial institution with a routing transit number;

8) meet our credit requirements; and

9) Earn a minimum of $12,000 annual income

10) To be eligible to apply for another loan the following criteria must be met: 

• Have made your last two consecutive payments on time. 
• Have no more than one outstanding loan in the Upstart Relief Loan Program at the time of application
• Have no more than $2500 of total principal outstanding at the time the loan originates.
   

11) If you have finished paying off an existing Upstart loan, you are able to apply for a second loan after your most recent payment is cleared (14 days from the payment date).