What are the minimum credit requirements to get an Upstart 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.

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

They must not have any bankruptcies, or public records on their report.

Borrowers must also not have on their 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.

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