Located in San Mateo, California, Upstart is a financial services company that provides access to loans and lines of credit through its online platform. Since its inception in 2012, Upstart has offered home improvement personal loans ranging between $1,000 and $50,000 to qualified borrowers. Its personal loan products offer three or five-year repayment terms, fixed interest rates, transparent fees, as well as a streamlined application and approval process all completed online.
Upstart stands out from other online lenders in its underwriting process, taking into account not only personal credit history and income, but education, job history, and field-of-study factors as well. Since its start, the online lender has helped fund millions through unsecured personal loans, auto refinancing, and home equity line of credit (HELOC) financing.
You can contact Upstart through its mailing address, by calling a customer service representative at 1-855-438-8778, or through the company’s website online.
CUSTOMER SERVICE PHONE: 650-204-1000
TOLL-FREE: 855-438-8778
FAX NUMBER: 650-332-2350
EMAIL ADDRESS: [email protected]
MAILING ADDRESS:
Upstart Operations Dept.
P.O. Box 1503
San Carlos, CA 94070
CORPORATE ADDRESS:
Upstart
2950 S. Delaware Street
San Mateo, CA 94403
Routing# and FDIC Cert# Related to Upstart’s Major Lending Partner, Cross River Bank
ROUTING NUMBER: 021214891 (Cross River Bank)
FDIC CERTIFICATE: 58410 (Cross River Bank)
Upstart also partners with many other lenders, but we included Cross River Bank’s information here because it is one of Upstart’s most used lending partners. It is recommended you contact your lender directly to verify the correct routing number for your needs.
NMLS ID: 936133
STATES: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
Personal loans can be used for a variety of financial needs, from debt consolidation to paying off taxes, home improvement, or financing a major purchase. Securing a fixed-rate loan with a predictable monthly payment can be more cost-effective than a double-digit interest-rate credit card. Several lenders offer personal loans, including credit unions and traditional banks.