Lots of Americans need access to affordable credit.

We need it to consolidate debt, pay off credit cards, pay medical bills and more.

So why is it so hard to get a decent interest rate on a loan?

A cowboy lets his eyes peak out of his sunglasses.

And it only takes five minutes to check your rate.

you may be eligible for a loan through Upstart.

No Interest Til Almost 2027?

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Upstarts proprietary machine learning technology automatically takes into account a number of different factors that determine your creditworthiness.

So not only are personal loans available to more people, theyre more affordable for them, too.

Its totallyfree to check your rate,plus checking your rate wont affect your credit score.

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Kari Faber is a staff writer at The Penny Hoarder.

Not all applicants will qualify for the full amount.

When you check your rate, we check your credit report.

This initial (soft) inquiry will not affect your credit score.

If you take out a loan, repayment information will be reported to the credit bureaus.

1The full range of available rates varies by state.

APR is calculated based on 5-year rates offered in the last 1 month.

There is no down payment and no prepayment penalty.

Not all applicants will be approved.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…