Upstart myoffer – Personalized Loan Offer

Upstart myoffer – Personalized Loan Offer

Consumers interested in consolidating their credit cards or debts into one monthly payment can consider a personal loan through Upstart.  If you were pre-selected for an Upstart personal loan you can apply online and get approved in a matter of minutes. 

Upstart My Offer Personalized Code

Many customers received an offer in the mail with their Upstart My Offer personalized code.  Here are instructions on applying online:

  • Visit
  • Under “Please enter your offer code” enter your 12 digit personalized code

***Your personalized code is located on your offer letter at the top right corner or on the last page

Under “I would like to” via the filter select the option that best fits your reasons for needing a personal loan

Here is a list of reasons to choose from:

  • Refinance
  • Education
  • Make a purchase
  • Pay for personal expenses

Click the Check Your Rate button

It should be understood that at this point in the application process your credit score has not been checked.  The following details will be needed going forward:

  • Amount you want to borrow
  • Loan purpose
  • Name 
  • Date of birth
  • Address
  • Phone number
  • Highest level of education
  • Primary source of income
  • Amount in your savings/investments
  • Answer if you’ve taken out any loans in the past 3 months
  • Email address
  • Check the “agree and see your rate” box
  • Click the Agree and See Your Rate button

After supplying with the information that is required you will be able to see the rate you’re approved for and the loan amount.  

Upstart My Offer Loan Details


One of the highlights with an Upstart loan is they consider your education and job history when taking in consideration your loan rate.  This is a plus that will definitely help some consumers get a lower rate. Here are other details about this loan offer:

  • Consumers are pre-qualified for a loan between $1,000-$50,000
  • The online loan application takes less than 5 minutes
  • Personal loans can be accessed as fast as 1 business day after approval

Criteria for Acceptance and Lower Rate

  • Credit score
  • Years of credit
  • Education
  • Area of study
  • Job history
  • Income
  • Employment

Personal Loan Uses

Upstart Customer Service

Support team available 7 days a week via email or call 1-855-438-8778


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