Overview
We aim to provide flexibility with your payment schedule when possible. You may be eligible to change your due date by logging into your My Account and navigating to the “Due Date Settings” section.
💡Please note: Due date changes are not available for relief loans or auto-secured personal loans.
How Your Due Date Works
Your loan due date is assigned at origination and remains the same each month.
Your payment must be received by your due date to keep your account current.
If payment is not received by your due date:
- Your account becomes past due the following day.
- Additional interest accrues on unpaid amounts.
- A late fee may be applied if payment is not received within 15 days after the due date.
If the account remains unpaid into the next billing cycle (30+ days past due), it may be reported negatively to credit bureaus.Even if a late fee has not yet been applied, interest continues accruing after your due date. This may result in a higher final payment than originally shown in your amortization schedule.
Eligibility to Change Your Due Date
To qualify, you must:
- Be current on your loan (not past due).
- Have made at least one payment.
- Submit the request at least 2 business days before your current due date.
- Have more than 2 payment periods remaining.
- Have a 3 or 5 year loan term
- Not have already made a payment for the current period or have one scheduled within 3 business days.
- Not be in active forbearance, settlement, repossession, active bankruptcy, or reduced payment modification status.
How to Change Your Due Date
If eligible, log into My Account or the Upstart mobile app, selecting the card for the loan you want to update, and navigate to the Due Date Settings section. Eligible users will see available date options.
If you need help, our chatbot can assist with checking eligibility and guiding you through the process.
Payment Options
- AutoPay – Automatic monthly payments.
- One-Time Payments – Schedule or submit payments manually.
- Twice-Monthly Payments – If eligible, split your monthly payment into two smaller payments.
Next Steps
If you are considering adjusting your due date or exploring payment options, log into My Account or contact support for assistance.
