Upstart Student Loan Refinance
Upstart Student Loan Refinance
in Student Loan Refinancing from Upstart

Upstart Student Loan Refinance

in Student Loan Refinancing from Upstart
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Loan Amount $1,000 - $50,000
Loan Term (Years) 3 - 5 years
Fixed APR 6.18% - 35.99%
Variable APR N/A

Upstart Student Loan Refinance Review

Upstart Student Loan Refinance is a student loan refinance offering by Upstart, . Founded in 2012, Upstart offers student loan refinancing in 50 states (and Washington, DC).

Upstart Student Loan Refinance FAQ

What APRs does Upstart Student Loan Refinance 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 6.18% to 35.99% APR.

How much can you borrow via Upstart Student Loan Refinance?

Loan amounts start at $1,000 and go up to $50,000

Does Upstart Student Loan Refinance charge an origination fee?

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

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Upstart Student Loan Refinance charge prepayment fees?

No, Upstart Student Loan Refinance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

What terms does Upstart Student Loan Refinance offer?

Upstart Student Loan Refinance provides refinancing loans of 3 to 5 years.

What type of borrowers will Upstart Student Loan Refinance consider?

Upstart Student Loan Refinance considers loans applications from:

  • undergraduate degree holders
  • graduate degree holders

What do you need to qualify for Upstart Student Loan Refinance?

Upstart Student Loan Refinance does not require or does not disclose a credit score minimum.

Upstart Student Loan Refinance does not have or does not disclose a minimum annual income eligibility requirement.

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

Upstart Student Loan Refinance will typically provide a credit approval decision in less than an hour and fund the loan within 7 to 14 days.

Upstart Student Loan Refinance 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."
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

No Interest Grace Period for Late Payment 0 days
No Prepayment Fee
Origination Fee (%) 1% - 8%
Funding Time Range 7 - 14 days
Fixed APR 6.18% - 35.99%
Loan Amount $1,000 - $50,000
Loan Term 3 - 5 years

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