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Borrower Eligibility Will I be eligible for a Loan? Why was I disqualified? Can Central Pacific 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 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? What can I use the loan proceeds for? 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 Central Pacific 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 Central Pacific Bank? See all articles › Popular questions Why was I disqualified? What are the minimum credit requirements to receive a loan? Do you report late borrowers' accounts to credit bureaus? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? What documentation will verify my income? Are loans through Central Pacific Bank fixed rate or variable rate?