The loan process begins with submitting your initial rate inquiry on upstart.com. After you are presented with a rate and choose to accept your rate, you will be prompted to complete an application by verifying your bank account and possibly uploading some supporting documents. If your application is approved, you will be asked to review final disclosures and sign a promissory note.

Please be wary of scams which ask for payments by gift cards (such as an iTunes or Walmart gift card) or through money order. Customers Bank or Upstart will never request payment through a gift card or money order up front from an applicant who has not yet received a loan. Borrowers can find payment instructions by logging into their account.