What are the minimum credit requirements to refinance with Upstart?

Applicants must have a minimum credit score of 510, as reported by a consumer reporting agency. Note that we do accept applicants with insufficient credit history to produce a credit score.


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. For more information about material adverse changes, please click here.  


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


Additionally, the credit score Upstart receives may be different from the one reported by your credit monitoring services if a credit monitoring service reports a score from a different bureau or different scoring method.


If you believe there are errors on your credit report, please contact TransUnion and/or Equifax: 


Name: TransUnion

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

Phone number: 1 (800) 916-8800


Name: Equifax Information Services LLC

Address: P.O. Box 740256, Atlanta, GA 30374-0256

Phone number: 1 (866) 349-5191

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