Upstart's customer support phone number and when to use it
Upstart does not publish a general customer support phone number for incoming calls. Instead, Upstart contacts you by phone when they need information about your loan or account — you do not call them first. If you have an active loan or process with Upstart, they will reach out using the phone number you provided during signup.
If you need to contact Upstart about a specific issue, the fastest route is through your online account dashboard or their website contact form. Upstart's support team responds to written inquiries within one to two business days. Calling their main business line will not connect you to customer support; that number routes to sales and administrative staff only.
The reason Upstart operates this way is that they verify your identity through your account before discussing loan details. A phone number you find online could belong to anyone, which is why Upstart initiates contact themselves using information they have on file.
Key Takeaways
- Upstart calls you when they need information; you should not expect to reach a support line by dialing a published number.
- Contact Upstart through your online account dashboard or their website contact form for questions about your loan or process.
- Written inquiries through official channels typically receive responses within one to two business days.
- If Upstart calls you, verify the call is genuine by hanging up and calling the number on your loan documents or account page.
- During the loan process process, Upstart may call you to verify information or request additional documents.
How to contact Upstart through your account
Log into your Upstart account on their website or mobile app. Look for a "Contact Us," "Help," or "Support" link, usually located in the account menu or footer. This will show you options to send a message directly to the support team tied to your account number.
When you submit a message through your account, Upstart's system automatically attaches your loan information and account history. This means the support team can see your full situation without you having to repeat details. Include a clear description of what you need — whether it is a question about your payment schedule, a billing issue, or a request for account changes.
Keep your message specific. Instead of "I have a question about my loan," write "I need to update the bank account where my payments are withdrawn" or "I want to know if I can pay off my loan early without a penalty." Specific requests get routed to the right department faster.
What to do if Upstart calls you
Upstart may call you during the loan process process to verify your identity, confirm employment information, or ask about income sources. They may also call if there is a discrepancy in your process or if they need to clarify something before approving your loan.
If you receive a call claiming to be from Upstart, you can verify it is genuine by hanging up and calling the number listed on your loan documents, your account page, or Upstart's official website. Never give personal information to someone who called you first, even if they sound official. Legitimate companies expect you to verify their identity this way.
During a legitimate Upstart call, they will ask questions about your process or account. They will not ask for your full Social Security number, banking passwords, or PIN. If someone claiming to be from Upstart asks for these, it is a scam — hang up and report it to the Federal Trade Commission at reportfraud.ftc.gov.
Finding Upstart's contact information online
Upstart's official website is upstart.com. On their site, you will find a "Contact" page or link in the footer that lists the ways to reach their support team. This is the only contact information you should use, because scammers sometimes post fake phone numbers on third-party sites.
If you are looking for Upstart's mailing address for sending documents by mail, check your loan agreement or account page — the correct address is listed there. Do not mail sensitive documents to an address you found elsewhere online.
Upstart also maintains social media accounts on Twitter and Facebook. While these are monitored, they are slower than the contact form in your account. Use social media only if you cannot access your account or if you are trying to report a security issue.
Loan process calls and what to expect
If you have submitted a loan process to Upstart, they may call you within a few hours to a few days. The call will come from a number associated with Upstart or one of their partner companies. They will identify themselves and ask to verify information from your process.
Common reasons for these calls include confirming your employment, asking about recent deposits to your bank account, or clarifying income sources. Have your process details nearby when you answer, so you can refer to what you submitted. If you are not ready to talk, you can ask them to call back at a specific time.
If you miss a call from Upstart during the process process, they will usually try again or send you a message through your account asking you to contact them. Do not ignore these requests — they typically mean your process is moving forward and they just need one more piece of information to proceed.
What to do if you cannot reach Upstart
If you have submitted a message through your account and have not heard back within three business days, log back into your account and check for any new messages. Sometimes responses appear as notifications in your account rather than emails.
If your account shows an issue that needs when ready attention — such as a payment that did not process or a billing error — send another message through your account marked as urgent or time-sensitive. Describe exactly what the problem is and when it needs to be resolved.
For complaints about Upstart's service or lending practices, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov. The CFPB investigates complaints about lenders and can sometimes push for faster resolution of billing or account issues.
Frequently Asked Questions
Can I call Upstart to make a payment on my loan?
No. Upstart does not accept payments by phone. You can make payments through your online account, by setting up automatic withdrawals from your bank account, or by mailing a check to the address on your loan documents. Automatic payments are the most reliable method because they eliminate the risk of late payments.
What if I think I am being scammed by someone claiming to be from Upstart?
Hang up when ready and do not give any information. Call the number on your loan documents or visit upstart.com directly to report what happened. You can also file a report with the Federal Trade Commission at reportfraud.ftc.gov. Upstart will never call you asking for passwords, PINs, or full Social Security numbers.
How long does it take to hear back from Upstart support?
Written inquiries submitted through your account typically receive responses within one to two business days. During peak periods or holidays, it may take slightly longer. If you are in the middle of the loan process process, Upstart may call you within hours to complete verification steps.
Is there a phone number I can call to check my loan status?
No. Check your loan status by logging into your account on Upstart's website or app. Your account shows your current balance, payment schedule, and any pending actions. If you have questions about what you see there, submit a message through your account contact form.
What should I do if Upstart calls but I am not ready to talk?
Tell them you are not available and ask when they can call back. Provide a specific time that works for you. If you miss the call, check your account for messages or wait for them to try again. During the process process, these calls are important — try to make yourself available or call them back promptly so your process keeps moving forward.