Gino Rodriguez, Writer
@gino_rodriguez
You can get a personal loan with a job offer letter through Upstart, as long as the offer letter states your future start date and compensation. Some other lenders may also accept a job offer letter as proof of employment, but it’s not common for major personal loan providers.
Personal loans through Upstart have loan amounts from $1,000 - $75,000 with APRs typically ranging from 6.2% - 35.99%. You can check out WalletHub’s full Upstart review for more information.
Keep in mind that most other personal loan providers will verify your income via bank statements or pay stubs, so you may have to wait until you start your new job to have more options.
Upstart disclosure: Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($1,500), MA ($7,000). Maximum loan amounts may vary by state.
The full range of available rates varies by state. The lowest rates are only available to the most qualified applicants. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 18.60% and a 7.82% origination fee of $782, for an APR of 22.69%. In this example, the borrower will receive $9218 and will make 60 monthly payments of $259. APR is calculated based on 5-year rates offered in December 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
People also ask
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.