Overview

We know that unexpected events can create financial challenges. If you've been affected by a significant disaster or widespread unforeseen event that causes temporary financial harm, we may be able to offer temporary relief to help ease your financial burden. 

This guide explains potential relief options and how to request assistance.

Note: If you are in an active bankruptcy you will need to seek relief through your attorney or trustees.

Available Relief Options

Whether you were impacted by a disaster or a government shutdown, the same relief options are available:

Fee Waivers

No Late fees, Check fees, or Returned ACH fees will be assessed during the relief period.

Credit Reporting Adjustments

No new delinquent information will be reported to credit agencies during the relief period.
The account status prior to the event will continue to be reported. 

For example, if your account was current before the disaster, it will continue to be reported as current, even if you miss payments.

Accounts that would normally charge off because of the number of days past due will not charge off during the relief period.

Important: Payments are still due, and accurate credit reporting will resume after the relief period ends.

Loan Assistance Options Beyond the Relief Period

If you need support beyond the temporary relief window, you may be eligible for additional loan assistance options. 

Learn more: What should I do if I’m having financial difficulties, and I can’t make my loan payment?

Note: These temporary relief programs apply only to borrowers directly impacted by an officially declared natural disaster or a federal government shutdown.

Other government programs (such as SNAP benefits, unemployment benefits, or similar assistance programs) are not eligible for these temporary relief options.

If you’re experiencing financial difficulty due to a loss or reduction in benefits, please visit our Loan Assistance page to explore about available options.

How to Request Assistance

1. Contact Upstart as soon as possible to discuss your situation.
2. Be prepared to share details about how the disaster impacted you, including your location and any relevant documentation. You can email documentation to servicing@upstart.com if requested.
   1. Furloughed Government employees will be asked to provide a recent paystub, furlough letter, or official email including the name of the government agency and the full name of the primary wage earner.
3. Our team will assess your situation and discuss available relief options.

📌 Important Considerations

• Payments remain due during the temporary relief period.
• Your account becomes past due the day after your due date, even during a relief period.
• AutoPay is not turned off automatically. You may disable it in My Account if needed.
• Depending on your loan agreement, interest may continue to accrue on outstanding balances.
• If you’re facing longer-term financial difficulty, additional loan assistance options may be available.