Borrower Eligibility Will I be eligible for a Loan? Why was I disqualified? Can Farmers Insurance Federal Credit Union 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 to Calculate Your Self Employed Income 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 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 Farmers Insurance Federal Credit Union? See all articles › Popular questions What is Upstart? What is the difference between a soft and hard credit inquiry? What documentation will verify my income? Why was I disqualified? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? Can I use a cosigner?