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Get your rate. It takes less than 5 minutes to check your rate—and it won't affect your credit score.¹. Upstart Personal Loan Borrow Amount page ; Get approved. The Annual Percentage Rate (APR) varies based on credit score, loan amount, purpose and term. Minimum loan amount is $1, and loan terms range from 12 to. How does my credit score affect my interest rate? Using a personal loan to consolidate high-interest credit card debt might even help you improve your credit score, by diversifying your credit mix, showing that. You don't need perfect credit scores to secure a personal loan, and there is no magic number when it comes to reaching a certain number to receive better loan.