Short term loans for the relief you need

$200 to $2,500 over 3-18 months*

No hidden fees—see the cost before you apply

Get a decision today, funds tomorrow


Won't affect your credit score


A loan you can count on when times are tough

See the cost upfront

The cost is always the same for each amount and monthly term up to 36% APR. Make a choice that fits your budget.

No late fees orprepayment penalty

Use debt wisely—we do report your payments to credit bureaus.

Minimum payment flexibility when you need it most

Get more time and lower payments, once you’ve built some payment history.

Won't affect your credit score


You need $1,000. How much will that cost you?

UpstartRelief Loan

Alternative payday loan


Traditionalpayday loan


The cost is simple and clear for a relief loan through Upstart. No late fees. No interest. No prepayment penalty. The only thing you will pay is the APR up to 36% which is the yearly cost of your loan expressed as the finance charge.

Won't affect your credit score






Up to 36%



Cost per week

Cost per week

Cost per week

Cost per week




Full loan cost

Full loan cost

Full loan cost

$205 over 12 months

$2,000 over 12 months

$250 due in 2 weeks

Full loan cost

Late fees

Late fees

Late fees

See what you’d pay for short term help

Fixed cost for each amount and monthly term up to 36% APR. Example amounts and terms:

Cost $500 loan


Let us answer your questions

What is a finance charge?

APR represents the yearly cost of a loan, including both interest and any fees for providing loans. Since Upstart Relief Loans have no interest, the 36% APR only includes the fixed finance charge you pay on top of the amount you borrow—which is spread over your monthly payments.

Is there a fee for paying off the loan early?

There is no fee for paying off the loan early. You may pay off part or all of the loan at any time with no fee.

If you do pay off your loan early, you can get a partial refund of your finance charge.

What if I need more time to pay?

Once you’ve built some payment history, you’ll unlock the option to reduce your minimum monthly payments if you experience unexpected financial difficulties. A one-time fee may apply if you extend your loan term.

Note that Upstart reports term extensions to the credit bureaus as loan modifications, which may affect your credit score.

What happens if I can't make a payment on time?

Upstart reports the status of your account to the credit bureaus as of every due date. If you are more than 30 days late on any payment, any delinquencies or defaults will be reported accordingly.

Can I be charged any other fees?

Yes, you may be charged the following fees:

Paper Copies Fee

Fee of $10 if you withdraw eSign consent and request paper copies of your records.

Term extension fee

If you choose to extend your repayment term later, you may pay a one-time, non-refundable fee. Your APR will never exceed 36%.

When does repayment begin?

Your first payment will be about 20-40 days from your loan origination date. Your specific repayment date will be listed on your promissory note.

See if you qualify in less than 5 minutes

Won't affect your credit score


* This type of loan within the Upstart platform is a short term loan with no interest and an origination fee that makes up the APR calculation. Representative example of payment terms for this type of loan is as follows: a borrower receives a loan of $1,000 for a term of 12 months, and an origination fee of $205, for an APR of 35.95%. In this example, the borrower will receive $1000 and will make 12 monthly payments of $100.44

1. If you accept your loan by 5pm EST (not including weekends or holidays), your funds will be sent on the next business day.

2. 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 will be reported to the credit bureaus.

3. Minimum annual income required to be eligible to apply is $12,000.

4. Upstart looked across several online lenders and determined these APR ranges.

5. State laws and regulations determine the maximum dollar amount and Annual Percentage Rate (APR) for payday loans, which may have an APR up to 400% or higher. Payday loans may or may not be offered in your state.

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