Applying for a loan begins with submitting a rate inquiry on Upstart.com. If you're interested in checking your rate, you can start by going to Upstart.com and filling out a brief application.  If you accept your rate, you will be prompted to complete your 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.