You may apply for a different loan type at any time; you can review the options at https://www.bankwithfidelity.com (click “Loans”).

If you currently have a Fidelity Bank personal loan through Upstart, in order to be eligible for another such loan, you must:

1. Have made on-time monthly payments for the six previous consecutive months. On-time payments means that a payment was received during the 10 day grace period;
2. Have no more than 1 outstanding Fidelity Bank personal loan through Upstart at the time of application;
3. Have no more than $50,000 of outstanding principal at the time the loan originates.

If you have finished paying off an existing Fidelity Bank loan and made on-time monthly payments for the 6 previous consecutive months, you are able to apply for a second loan after your most recent payment clears (14 days from the payment date). 

If you have finished paying off an existing Fidelity Bank loan and any of the 6 most recent monthly payments were not on time, or you paid off the loan before reaching 6 monthly payments, you must wait 60 days before reapplying.

To apply for a second loan, check your rate here!