Your strategic AI lending partner
Expand consumer lending safely with more accurate credit decisioning while growing prime households
Upstart is the leading AI lending marketplace
Originations
$11B+
Borrowers
0M+
Lending partners
19+
How you benefit
Grow consistently through high-quality loans
Achieve strong credit performance
Increase net returns with short duration assets
Acquire prime borrowers
Upstart Solutions
Home Lending
Grow a profitable, low-risk portfolio with HELOCs that offer high utilization, immediate interest income, and deliver prime borrowers through a fast digital experience.
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Auto Lending
Accelerate auto lending with two turnkey solutions—both powered by highly automated digital experiences where Upstart handles the complexity.
Personal Lending
Expand your loan portfolio with high-performing personal loans that deliver valuable prime borrowers you can nurture into a deep, multi-product relationship.
Delivering more than just loans
Borrower Cross-Sell Solution
Transform new borrowers into lifelong, multi-product relationships with our best-practices marketing playbook, data-driven strategies, and integrated deposit account opening and switching technology.
Expert guidance that drives performance
Strategic Portfolio Advisors
Every partner is supported by a seasoned portfolio advisor—former banking CEOs and lending executives—who deliver market insights and strategies to optimize your returns.
AI Advantage
AI delivers better accuracy, reliability, and speed
Over a decade, Upstart has built an unmatched AI advantage with the largest data set and the most advanced and macro-adjusted models to deliver accurate credit performance and a fast, digital lending experience.
2.2X
more risk separation than FICO
91%
of loans fully automated
Upstart-Powered Lenders
With Upstart over the past three years, the loans have performed according to plan. In the more recent vintages, we’ve actually seen better performance than we’ve planned.
Scott Odom, Chief Financial Officer
Upstart’s model was able to deliver better returns, lower default rates, and reduced risk of fraud. We’ve grown the program from a small pilot to a full-scale lending program that’s continued to meet and exceed our expectations.
Sam Sidhu, President & CEO
By partnering with Upstart across its secured and unsecured products, we’re able to offer competitive rates online, deploy capital with greater flexibility, and expand access to affordable credit for members nationwide.
Robin Larsen, President and CEO
Upstart has been a highly profitable product for us. The margins have beat many of our other products. Losses have been much less than what was projected.
Mike McWethy, Executive Vice President
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Learn how to grow a diversified consumer lending portfolio with strong returns and predictable credit performance.