Upstart Customer care contacts, phone number, email

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Upstart Customer care

Upstart is an American AI lending platform that partners with banks to provide personal loans using non-traditional variables, such as education and also employment, to predict creditworthiness.

Pros

  • No collateral is required. Don’t own a house? It’s not going to be an issue here.
  • Simple application process. Just head over to Upstart’s website and apply online.
  • Unique approval process. The application process doesn’t only look at a credit score. It’ll also focus on other factors like the area of study, work history, and GPA.
  • Soft credit check. The initial credit check won’t affect your credit score, but if your loan is approved, a hard inquiry will show up on your report.
  • Quick funding. It can take as little as one business day if approved.
  • Flexible fund use. A personal loan through Upstart can be used for debt consolidation, medical bills, travel, and even education-related expenses. Upstart has partnered with several coding boot camps that allow the borrower to use the loan for tuition, even if you don’t have a job or college degree.
  • Fixed-rate. It won’t budge for the entire duration of your loan term.
  • No prepayment penalty. So you can pay that loan of yours back as quickly as possible!
  • Live customer service 7 days a week. Upstart’s friendly Silicon Valley-based team is available between 6 am and 5 pm on weekdays and 6 am to 5 pm on weekends, PST.

Cons

  • Not available in all states. You can’t apply for an Upstart personal loan if you live in West Virginia or Iowa.
  • Only 2 fixed-term lengths. You’re limited between either a 3 year term or a 5 year term.
  • The fees. Before receiving your funds, an origination fee of up to 8% will be deducted. The late fee is $15 or 5% of the amount due, whichever is greater. If your payment is returned due to insufficient funds, it’ll cost you another $15.

Eligibility Requirements

Applicants must have a minimum credit score of 620, a gross annual income of at least $12,000, and a debt-to-income ratio of up to 45%.

The Breakdown

Upstart is an excellent choice for borrowers with average credit or young borrowers who are new to credit, thanks to the lending platform’s individual approval process. Applying is painless, and you may be able to get your hands on funds as soon as the next day. Fund use is remarkably flexible, including student loan repayment and tuition for coding Bootcamp. Live and friendly customer service are open to you seven days a week. If you like your experience with Upstart, you can request a second loan even though you haven’t finished paying off the first one yet (terms apply).

Compare: Lending Club

Sample Loan

Loan Size $25,000
Loan Term 60 months
Origination Fee (4%) $1,000
Funds Received $24,000
APR 18.0%
Total Interest $13,090.14
Monthly Payment $634.84

Customer care contacts

General support

For support questions, contact support@upstart.com.

Press

For press inquiries, contact press@upstart.com.

Businesses

For business partnerships, contact bizdev@upstart.com.

Affiliates

For marketing affiliate partnerships, contact affiliates@upstart.com.

Institutions

For institutional investor, contact institutions@upstart.com.

For individual investor program support, contact invest@upstart.com.

Phone

Customer Support:
(650) 204-1000 (local)
1-855-438-8778 (toll-free)

Corporate Inquires (Press/Businesses/Affiliates/Institutions):
1-833-212-2461 (toll-free)

Operating hours

General support:
Monday to Friday on business days:
6:00 AM – 5:00 PM PT (9:00 AM – 8:00 PM ET)
Saturday and Sunday:
6:00 AM – 5:00 PM PT (9:00 AM – 8:00 PM ET)

Payments:
Monday to Friday on business days:
6:00 AM – 6:00 PM PT (9:00 AM – 9:00 PM ET)
Saturday:
7:00 AM – 4:00 PM PT (10:00 AM – 7:00 PM ET)

We will be unavailable on New Years Day, Thanksgiving Day, Christmas Eve, and Christmas Day.

Mailing address

Upstart Operations Dept.
P.O. Box 1503
San Carlos, CA 94070

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