Applying for a loan begins with submitting a rate inquiry on Upstart's website. If you're interested in checking your rate, you can start by going to www.upstart.com and clicking on the “Check Your Rate” button in the center of the page. If you are eligible to receive a rate and accept the rate offered, you will be prompted to complete an application by verifying your bank account and possibly uploading some supporting documents. If your application is approved, you will be asked to review final disclosures and sign a promissory note.