Borrower Eligibility Will I be eligible for a Firstmark Personal Loan? Why was I disqualified? Can Firstmark Credit Union make exceptions for unique situations? Can I use a co-signer? 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 APR and interest rate? Can I change my loan application after it has been submitted? See all articles › Verification How do I get my college or university 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 › About Upstart What is Upstart? How can I contact Firstmark Credit Union? See all articles › Popular questions Why do you need my social security information? When and how do I receive my loan funds? Can I increase my loan amount after I have accepted my loan terms? What documentation will verify my income? What is Upstart? What subsequent events may disqualify my Firstmark Credit Union loan application?