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Borrower Eligibility Will I be eligible for a Loan? Why was I not offered a loan at this time? Can WSFS 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 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 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 can I use as proof of 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 WSFS 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 WSFS Bank? See all articles › Popular questions What can I use the loan proceeds for? What portion of my payment is interest vs. principal? If I make a one-time payment, will it replace my scheduled payment? Can I apply for a second loan? How does applying for a loan affect my credit? Can I increase my loan amount after I have accepted my loan terms?