Features

Upstart is a student loans lender based in San Carlos, CA. It was founded in 2012 and offers student loan refinancing in 50 states across the USA (and Washington, DC). 

What are the student loan refinancing rates of Upstart?


Upstart offers fixed rate APRs that range from 8.69% to 29.99% APR.

What is the minimum student loan amount you can refinance?

Upstart requires borrowers to have a balance of at least $1000 to process a student loan refinance application.

Does Upstart charge an origination fee?

Yes, Upstart charges a loan origination fee of 1% to 8% of the loan amount.

What terms does Upstart offer?

Upstart provides refinancing loans of 3 to 5 years.

  • Loan Term (Years)
    3 - 5
  • Min Loan
    $1000
  • Fixed APR
    8.69% - 29.99%
  • Undergraduate Students
  • Graduate Students
  • Origination Fee
    1% - 8%
  • Funding Time Range (in days)
    7 - 14
"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."
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