# 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.  
[Learn More](/content/lenders/heloc/index.html)

### Auto Lending

Accelerate auto lending with two turnkey solutions—both powered by highly automated digital experiences where Upstart handles the complexity.

[Auto Refinance](/content/lenders/auto-refinance-referral-network/index.html)  
[Indirect Auto](/content/lenders/auto-retail-lending/index.html)

### 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.

[Learn More](/content/lenders/personal-lending-referral-network/index.html)

Delivering more than just loans

## Borrower Cross-Sell Solution

Transform new borrowers into [lifelong, multi-product relationships](/content/lenders/umc/index.html) 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

[Learn More](/content/lenders/age-of-ai/index.html)

## 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**

## Request info

Learn how to grow a diversified consumer lending portfolio with strong returns and predictable credit performance.