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Borrower Eligibility Will I be eligible for a Loan? Why was I disqualified? Can Pelican State 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 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 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 Pelican State Credit Union? See all articles › Popular questions Can you withdraw or delete my application? Can I increase my loan amount after I have accepted my loan terms? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? What is considered income? What documentation will verify my income? Can I use my household or spousal income?