The Upstart Personal Loan Fair Credit is a personal loan from Upstart Personal Loan. The annual fee is $0. The ongoing APR is 5.17% - 29.99%. Approval typically requires a credit score of 300 or higher. Signup bonus: $200. Typical credit limit: $1,000 - $75,000. Funding speed: next business day. Loan terms: 3-18 months. Minimum annual revenue: $12,000/year. This product reports activity to your personal credit report. [SOFT PULL ONLY] | AI-driven underwriting considers education and employment, not just credit score. Good for thin credit files. Origination fee 0-12%. Terms 3-5 years. Prequalification with soft pull. | EXPERT REFERENCE (Apr 2026): Loan amounts from $1,000 to $75,000 | EXPERT REFERENCE (Apr 2026): APRs from 6.2% to 35.99% | EXPERT REFERENCE (Apr 2026): Loan terms of 3 or 5 years | EXPERT REFERENCE (Apr 2026): Funding as fast as the next business day | EXPERT REFERENCE (Apr 2026): Soft pull for rate check | EXPERT REFERENCE (Nov 2025): Approved for $222,700 in personal loans over the past couple of months. | EXPERT REFERENCE (Nov 2025): Approvals seen with FICO scores in the 500s, collections or charge-offs, and high utilization. | EXPERT REFERENCE (Nov 2025): Upstart considers income, job history, education, and bank activity, not just credit score. | EXPERT REFERENCE (Nov 2025): Soft pull to check rate with no score drop. | EXPERT REFERENCE (Nov 2025): Fast funding, with some receiving money same-day. | EXPERT REFERENCE (Nov 2025): Loans up to $75,000 available, even for those rebuilding credit. | EXPERT REFERENCE (Jul 2025): Average loan amount: $8,838 | EXPERT REFERENCE (Jul 2025): Highest approval so far: $25,600 | EXPERT REFERENCE (Jul 2025): Fastest funding: Same-day | EXPERT REFERENCE (Jul 2025): Lowest APR reported: ~ 6% | EXPERT REFERENCE (Jul 2025): Upstart approves some people with FICO scores in the 500s | EXPERT REFERENCE (Jul 2025): Upstart considers education, job history, income, and bank activity in addition to credit score | EXPERT REFERENCE (Jul 2025): Loan amounts can go up to $75,000 | EXPERT REFERENCE (May 2025): Loan amounts range from $1,000 to $75,000. | EXPERT REFERENCE (May 2025): Terms are fixed 3–5 year repayment. | EXPERT REFERENCE (May 2025): Rates range from 4.6% to 36% APR. | EXPERT REFERENCE (May 2025): Origination fee ranges from 0–8% (deducted from funding). | EXPERT REFERENCE (May 2025): No prepayment penalties. | EXPERT REFERENCE (May 2025): Soft pull pre-approval available — check your rate without hurting your credit. | EXPERT REFERENCE (May 2025): Upstart uses AI to evaluate income, job history, education, location, and bank activity instead of just credit score. | EXPERT REFERENCE (Aug 2025): Loan amounts range from $1,000 to $75,000. | EXPERT REFERENCE (Aug 2025): Terms are fixed for 3–5 years. | EXPERT REFERENCE (Aug 2025): APR ranges from 4.6% to 36%. | EXPERT REFERENCE (Aug 2025): Origination fee ranges from 0–8%, deducted from funding. | EXPERT REFERENCE (Aug 2025): No prepayment penalties. | EXPERT REFERENCE (Aug 2025): Soft pull pre-approval available. | EXPERT REFERENCE (Aug 2025): Funding can occur within 24 hours after approval. | EXPERT REFERENCE (Aug 2025): Approval possible for credit scores in the 500s, with charge-offs and collections. | EXPERT REFERENCE (Aug 2025): Example approval: $8,000 at 5.52% APR. | EXPERT REFERENCE (Aug 2025): Example approval: $30,000 with a credit score in the 500s.