in Student Loan Refinancing from Upstart

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in Student Loan Refinancing from Upstart

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Fixed APR 8.69% - 29.99%
Variable APR N/A
Loan Amount $1,000 - $200,000
Loan Term (Years) 3 - 5

Upstart Review

Where does Upstart do business?

Upstart is a marketplace lender. It offers student loan refinancing in 50 states (and Washington, DC).

What APRs does Upstart offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 8.69% to 29.99% APR.

How much can you borrow via Upstart?

Loan amounts start at $1,000 and go up to $200,000

Does Upstart charge an origination fee?

Yes, Upstart charges a loan origination fee of 1% to 8% of the loan amount. Upstart deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.

Does Upstart charge prepayment fees?

Yes, Upstart charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What terms does Upstart offer?

Upstart provides refinancing loans of 3 to 5 years.

What type of borrowers will Upstart consider?

Upstart considers loans applications from:

  • undergraduate degree holders
  • graduate degree holders

What do you need to qualify for a Upstart student loan refinance?

Upstart doesn’t disclose its credit score minimum.

What is the estimated funding time for a student loan refinance via Upstart?

Upstart will typically fund loans within 7 and 14 days of approval.

UPSTART Disclosure: "The average 3-year loan on Upstart will have an APR of 18% and 36 monthly payments of $27 per $1,000 borrowed. The average APR on Upstart is calculated based on 3-year rates offered in the last 1 month."
SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  •   2 Circle Star Way
    San Carlos, CA 94070
  •   Visit Site

Other Services by Upstart


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 0
Origination Fee 1% - 8%
Loan Amount $1K - $200K
Loan Term (Years) 3 - 5
Fixed APR 8.69% - 29.99%

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