Upstart offers personal loans from $1,000 to $50,000 for credit card refinancing, debt consolidation, large purchases and more. Through our secure and straightforward online application process, borrowers can get rates in just 2 minutes and receive funds the next business day. With fixed-rate APRs starting at 7.16%, we offer competitive loans with no prepayment penalties or hidden fees. Why do affiliates choose Upstart? Competitive commissions: We start at $100 per funded loan, and also reward high performance with volume-based bonuses No cap on earnings: We don’t limit referrals, but reward volume Dedicated team: Need help with creative, optimization, or getting started? We’re responsive and quick   Why do borrowers choose Upstart? We use education data to supplement credit profile Simple and fast process Optimized for mobile and tablet   Loans are issued in all 50 states (except: West Virginia, Guam, U.S. Virgin Islands, Puerto Rico, American Samoa, Northern Mariana Islands) by Cross River Bank, a federally insured New Jersey commercial bank. To qualify, borrowers must be U.S. citizens or permanent residents, at least 18 years of age, and have a minimum credit score of 620. Additional information about Upstart is available in our help section.