What are the minimum credit requirements to receive a loan?

Borrowers on Upstart must have a minimum FICO or Vantage score of 620 as reported by a consumer reporting agency. Note, we do accept applicants with insufficient credit history to produce a FICO score.

For residents of the state of California only, the minimum FICO or Vantage Score is 580.

In addition, there cannot be any material adverse change in your credit report from the time the loan was offered to you and your funding. Material changes include significant drops in your credit score or additional debt obligations. If this occurs, your loan approval will be withdrawn.

We also check to see how much debt you have in comparison to the income you receive.

You must not have any bankruptcies, or public records on your report.

You must also not have on your report any accounts that are currently in collections or delinquent; have amounts that are currently past due; or have accounts that, in the last three years, have been moved to collections or partially or wholly charged-off unless they are below certain thresholds.

You must have fewer than 6 inquiries on your credit report in the last 6 months, not including any inquiries related to student loans, vehicle loans, or mortgages.

Your credit score may vary slightly between agencies, but any major differences may indicate an error or misconduct, so it is important to get in the habit of checking your credit score at each agency.

Additionally, the credit score Upstart receives may be different from the one reported by your credit monitoring services in the event that a credit monitoring service is reporting a score from a different bureau or different scoring method. 


If you believe there are errors on your credit report, please contact TransUnion.

Name: TransUnion


Address: P.O. Box 2000, Chester, PA. 19022


Telephone number: 1-800-916-8800

The information above relates to borrowers publishing on our platform on or after April 23, 2014.

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