Your strategic AI lending partner
Expand consumer lending safely with more accurate credit decisioning while growing prime households
Expand consumer lending safely with more accurate credit decisioning while growing prime households
Expand your portfolio with loans that perform.
Our AI models deliver superior risk separation.
Build lasting relationships with high-quality customers.
Short duration assets deliver better returns.
Grow a profitable, low-risk portfolio with HELOCs that offer high utilization, immediate interest income, and deliver prime borrowers through a fast digital experience.²
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Accelerate auto lending with two turnkey solutions—both powered by highly automated digital experiences where Upstart handles the complexity.
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Expand your loan portfolio with high-performing personal loans that deliver valuable prime borrowers you can nurture into a deep, multi-product relationship.
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Delivering more than just loans
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
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
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.
more risk separation than FICO³
of loans fully automated4
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.
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.
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.
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.
Learn how to grow a diversified consumer lending portfolio with strong returns and predictable credit performance.
1 As of 3/31/2026.
2 The Upstart family of brands includes Upstart Network, Inc. and Upstart Mortgage LLC. Upstart Network Inc, consists of a marketplace where consumers can connect with lenders for personal loans, auto refinance and other products. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. UML State Licenses. NMLS #2443873. NMLS Consumer Access.
3 Based on analysis of Upstart internal performance data, as of April 29th, 2026 tracking annualized default rates for all originations made 2018-Q1 to 2025-Q4 "vintages", separated by Upstart Risk Grades and FICO scores.
4 In Q1 2026. Percentage of Loans Fully Automated, which is defined as the total number of loans in a given period originated end-to-end (from initial rate request to final funding for personal loans and small-dollar loans, and from initial rate request to signing of the loan agreement for auto loans) with no human involvement required by the Company divided by the Transaction Volume, Number of Loans in the same period.