Upstart’s pre-qualification involves more questions about employment, education and income, so it may take longer to complete than other lenders’ processes.
Pre-qualify on Upstart’s website. Choose “Check My Rate” on Upstart’s website and then select “Personal Loan” to start pre-qualifying.
Enter your desired loan amount and loan purpose, plus some personal information like your name, address, email address and phone number.
Preview loan offers and choose one. If you pre-qualify, you’ll be shown several offers with different rates and terms.
Submit an application. Once you’ve chosen an offer, you’ll submit a formal application, which may require proof of income, such as a W-2, work contracts,
tax returns or other documents. Gather these before you apply to speed up the application
but missed payments will hurt it. Setting up automatic payments and keeping an eye on your budget are two ways to manage your loan payments.