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Small Emergency Loans
Predictable payments. No hidden fees. Zero surprises.
Personal loans are provided and serviced by third parties.. Read more
What is a small emergency relief loan?
An emergency loan is a short-term, small loan designed to give you access to funds when unexpected expenses come up. With a short-term relief loan through Upstart, you could borrow $200 to $2,500 with an APR capped at 36%* and no hidden fees. If an urgent situation arises — like flood damage in your basement, a medical issue, or last-minute travel costs — a relief loan may help lower your stress and keep you out of financial "limbo."
You might consider a personal loan for an emergency if you:
- Have trouble making ends meet and need to cover basic expenses
- Need $200 to $2,500 fast
- Want to explore alternatives to traditional bank loans
Why choose short-term relief loans through Upstart?
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Transparent
No surprise fees
Get easy-to-understand small loan relief without high interest or hidden fees. You'll see the cost up front and your APR won't exceed 36%.*
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Fast
Get funds quickly
Many Upstart small emergency loan borrowers receive their funds instantly.†
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Flexible
A different way to review
Upstart offers flexible loan approval rules to help more people get the funds they need.
How to apply for a small emergency loan
- Apply online: Upstart's process is 100% digital. No paperwork makes it quick and easy to apply. You'll choose your loan amount from $200 up to $2,500 for short-term loans. Then accept the terms with no interest, no prepayment penalties, and no late fees.
- Submit your information: Give details like your name, income, and other credit-related information.
- Get a personalized rate offer: You may receive a personalized APR capped at 36%.* Keep in mind that your rate expires 14 days after applying for a loan.
- Complete required verification: Before you receive your loan, Upstart verifies all credit and income criteria to make sure you're eligible.
- Accept your loan offer and receive funds fast: You may receive your funds instantly — just like nearly 70% of Upstart's small-emergency loan borrowers.†
Frequently asked questions about short-term loans
