Borrower Eligibility Am I eligible for a loan? Why was I disqualified? Can First National Bank of Omaha make exceptions for unique situations? Can I use a cosigner? What are the minimum credit requirements to receive a loan? See all articles › Applying for a Loan Can I apply for a second loan? How does applying for a loan affect my credit? When and how do I receive my loan funds? What is the range of interest rates offered on loans and what is the difference between APR and interest rate? Can I change my loan application after it has been submitted? See all articles › Verification How do I get my transcript? How do I verify my bank account with small deposits? Can I use my household or spousal income? What documentation will verify my income? Can I increase my loan amount after I have accepted my loan terms? See all articles › Making Loan Payments How can I delete an old bank account? What should I do if I’m having financial difficulties, and I can’t make my loan payment? Can I extend my loan due to an emergency? Are there any prepayment penalties? Can I pay off my loan early? Can I split my monthly payment into two installments? See all articles › About First National Bank of Omaha and Upstart What is Upstart? How can I contact First National Bank of Omaha about my Personal Loan Powered by Upstart? See all articles › Popular questions What are the minimum credit requirements to receive a loan? Can I apply for a second loan? Am I eligible for a loan? What should I do if I’m having financial difficulties, and I can’t make my loan payment? Can I extend my loan due to an emergency? Can I pay off my loan early? Am I eligible to move my due date?