Your Upstart Loan Request: The Final Step

You’ve done the research. You know that a traditional FICO score doesn’t tell your whole story. You have a good job and a strong education, and you deserve a loan that sees your potential, not just your past.

You are in the right place. Upstart was built for you.

This is the final step. From here, you will be transferred to the official, 100% secure Upstart website to check your personalized, AI-powered rate.

Remember, the #1 benefit of this next step is:

Checking your rate is 100% FREE and will NOT affect your credit score.

You have nothing to lose by seeing what your potential is worth.

What Happens When You Click? (A 100% Transparent Process)

We believe in total transparency. When you click “CHECK MY AI-RATE,” you are leaving this review site and being transferred to the official, secure Upstart application portal.

Here is the simple, 3-step process you will follow:

Step 1: The 5-Minute “Soft Pull”

You will land on Upstart’s secure page. You’ll fill in some basic information, including your education and job history. When you submit this, Upstart runs a “soft credit pull.” This has zero impact on your FICO score.

Step 2: See Your AI-Powered Offer

Based on their AI model, Upstart will instantly show you the loan options you pre-qualify for. You will see:

• Loan Amounts: (e.g., “Up to $25,000”)
• Your APR: (Your interest rate)
• Your Origination Fee: (Shown upfront)
• Your Term: (3-year or 5-year options)

Step 3: Accept & Get Funded (Only if You Love Your Offer)

If you see an offer that works for you, you can choose to accept it.

Only after you review and officially accept the loan terms will a “hard credit pull” be performed. You will then e-sign your documents, and the money can be sent to your bank account as fast as one business day.

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Reminder: Why You Are Making the Right Choice

In case you have any last-minute doubts, remember what you are fixing today:

You Are Getting It Fast: This isn’t a slow bank. You can get your rate in minutes and your cash as fast as tomorrow.

You Are Beating the Old System: You are choosing a lender that uses AI to see your full picture, not just an outdated 3-digit score.

You Are Getting Approved: Upstart is built to say “yes” to responsible borrowers with “thin” or “fair” credit who have good income or education.