What to do when an Upstart account holder dies
Report the death to Upstart's Support for a deceased borrower's loan at 1-855-451-6753
When an account holder at Upstart dies, the executor contacts the Support for a deceased borrower's loan (1-855-451-6753) to report the death and request the balance as of the date of death. The balance is a claim against the estate: it is paid from estate assets, in the order the state sets, before anything reaches the heirs.
Before contacting Upstart, have the account holder's full name, date of birth, and any available account numbers ready.
Death claim process
Here is the step-by-step death claim process at Upstart:
Filing a claim
- The loan account number, if known
- Your name, the best phone number to reach you, and your role (executor, administrator, or personal representative)
- The court appointment or docket information, if an estate has been or will be opened
Required Documents
- Death certificateA scanned copy, emailed to servicing@upstart.com.
- Court appointment or docket information, if an estate has been or will be opened
- Documentation naming the executor or administrator of the estate, if Upstart asks for it
What happens to each kind of account1
- Loan
On Cross River Bank's promissory note for Upstart personal loans, the borrower's death is an event of default. The lender may then, to the extent permitted by applicable law, demand immediate payment of all amounts due.1
For a loan secured by a vehicle, Upstart customer support confirms whether the lien release has been processed and when the updated title can be expected.2
Accounts handled elsewhere1
- The loan's lending partner
Loans it services directly, depending on the loan type and lender; My Account shows the lender and its contacts3
What Upstart provides to the estate1
What Upstart's agreement and guidance say2
- What it does when notified
Upstart pauses any scheduled payments the borrower set up, reviews recent activity, and limits further communications until it can speak with the verified estate representative. If it reports the loan to credit bureaus, it updates that reporting to reflect the borrower's status.6
- Powers of attorney
A power of attorney is no longer valid once the borrower has died. Documentation naming an executor or administrator of the estate may be required.6
Not in Upstart's published guidance2
- A claim form
- How long a claim takes
Sources6
Upstart's Support for a deceased borrower's loan can be reached by phone at 1-855-451-6753 and email at servicing@upstart.com for questions throughout the claims process.
Sources
Data sourced from Upstart primary sources (14 pages reviewed). How we research.
Upstart death claims support
Support for a deceased borrower's loan
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