All Upstart loans offer a fixed rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history. 

Upstart loans also have a one-time finance charge , therefore we calculate your APR to include the fixed interest rate of your loan and the one-time fee.

The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive both of interest rate and all other associated fees. When comparing loan products, it is important to consider the APR of each product.