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Borrower Eligibility Will I be eligible for a Loan? Why was I not approved? Can Atlantic Union Bank make exceptions for unique situations? Can I use a cosigner? What are the minimum credit requirements to receive a loan? See all articles › Applying for a Loan Can I apply for a second loan? How does applying for a loan affect my credit? When and how do I receive my loan funds? What is the range of interest rates offered on loans, and what is the difference between Annual Percentage Rate (APR) and interest rate? Can I change my loan application after it has been submitted? See all articles › Verification How do I get my transcript? Can I use my household or spousal income? What documentation will verify my income? Can I increase my loan amount after I have accepted my loan terms? What is considered income? See all articles › Making Loan Payments How can I delete an old bank account? Can I split my monthly payment into two or more installments? Does Atlantic Union Bank charge a prepayment fee or penalty? What portion of my payment is interest vs. principal? What are my payment obligations? See all articles › About Upstart What is Upstart? How can I contact Atlantic Union Bank about my loan I received through Upstart? See all articles › Popular questions How are interest payments calculated? Why weren't you able to retrieve my credit report? What is the range of interest rates offered on loans, and what is the difference between Annual Percentage Rate (APR) and interest rate? If I make a one-time payment, will it replace my scheduled payment? Does Atlantic Union Bank charge a prepayment fee or penalty? What happens if I am late on my payment?