Get a smarter loan from Upstart and pay of your debt, refinance your vehicle etc. Upstart is an AI lending company that partners with banks and credit unions to offer consumer loans. However, the AI lending platform makes use of non-traditional variables, such as education and employment details, to predict creditworthiness.Upstart

So, during the application process, upstart will check your credit rate to see if you’re eligible for the loan.

You must know that checking your rate won’t affect your. To kick off with the loan application process, read below.

Upstart My Offer Personalized Code

The personalized code is sent to customer, prompting them to apply for loan online, at Upstart. If you receive the code, follow this steps to get started

  • Navigate to
  • You will see a tab that says “please enter your code” kindly enter the 12 digits code under the tab.

How do I find my Personalized Code? Your code comes with the offer letter you received. The code is at the upper right side of the letter or at the last page. The code is definitely on the offer letter.

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However, proceed with the step beneath to complete the process.


Check Your Rate

Select from any of this reasons

Education, Refinance, Make a purchase and Pay for personal expenses.

Whichever is the reason you need a loan, kindly click on it

Then, tap on the Check Your Rate tab. This is to check your credit score.

Applying For Upstart Loan

To continue the process, you will need to provide the following data;

  • The amount you want
  • Your full name
  • The reason for the loan
  • Your date of birth
  • Contact address
  • Mobile phone number
  • Your highest level of education
  • Mention your primary source of income
  • Your account balance
  • Answer the question that says if you’ve taken loan in the past three months.
  • Next, provide your email address
  • Tick the agree and see rate box
  • Proceed to submit.
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Based on your credit score, you will see the amount of loan you’re eligible for.


Upstart Loan Login

To access your Upstart Loan a account, kindly proceed with the medium below

  • Scroll to
  • Click on the Menu tab at the upper right-hand side.
  • A list will appear on the screen, click on “Login” button.
  • Fill out your email and password.
  • Then, hit the login widget.

More About Upstart Loan

Upstart My Instant Offer features the following;

It offers fair personal loans and car refinancing

It features smarter rates

Lets you check your rate in minutes

There’s no prepayment penalty

Borrowers can pay off part or all of the loan at any time with no fee

For personal loans, their rates are 10% lower than traditional lenders2

Offers an easy, transparent process


Upstart Customer Service Phone Number

Reach the AI lending platform, customer service with the following number and address.

For customer Support call: (650) 204-1000 (local) 1-855-438-8778 (toll-free)

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Hours of Operation

For General support:

Monday to Friday on business days: 6:00 AM to 5:00 PM PT (9:00 AM to 8:00 PM ET)

Saturday and Sunday: 6:00 AM to 5:00 PM PT (9:00 AM to 8:00 PM ET)

For PaymUpstartents:

Monday to Friday on business days:

6:00 AM to 6:00 PM PT (9:00 AM to 9:00 PM ET)


7:00 AM to 4:00 PM PT (10:00 AM to 7:00 PM ET)

Customers can also mail to this address;

Mailing address

Upstart Operations Dept.

P.O. Box 1503

San Carlos, CA 94070

About Chris Git

I am an SEO person with over five years of experience. I am mostly into product lunch and review. I feed on tech, Dring Tech, and Dream tech. My hobby is knowing how everything works. You are welcome to my world of content development and product review at I am also a financial analyst with an organization. It has been my sincere interest to help people solve their issues on credit cards. There are lots of questions in the mind of many credit card users. These range from which credit card is best? How many credit cards should I have?

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