We don't just finance the car. We understand the customer.
Unlike traditional auto financing, Upstart uses thousands of data points – not just credit scores – to approve more buyers, structure more profitable deals, and speed up funding
Auto finance, reimagined
Upstart Auto Finance helps dealers close more deals with AI-powered credit decisioning that's faster, smarter, and built to boost profitability
Expand your approvals
AI-powered credit decisions expand financing to more buyers across the full credit spectrum
Boost gross with smarter deal structures
Structure more profitable deals with more flexible finance options and instant re-hashing
Gain deeper credit insights to speed closing
Approve buyers via soft credit pulls, view credit/compliance details, and fund deals faster
of the time Upstart presents the best offer on used vehicles²
25%
of the time Upstart is the only approved offer³
"It's literally the easiest tool there is to submit a deal."
Evan Driscoll
Audi Jacksonville
"You give us better rates, and you give us better back-end profits. We're definitely selling more cars."
David Toxey
Auto Boutique of Florida
Ready to close more deals with AI-powered financing?
Upstart helps your dealership approve more buyers, increase back-end profit, and convert more shoppers into customers
Request a Demo
Average back-end reported by three dealerships based on information collected by Upstart from June 2024–October 2025.
Based on FICO >640. Upstart determines the 'best offer' based on offers returned within its Auto Finance platform from January–September 2025, excluding captive lenders.
Based on applications with credit score 640+ submitted by dealers to Upstart and other lenders using Upstart's real-time approval capability from 01/01/25–05/23/25.
