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Smarter financing. Stronger sales.

Transform your dealership with an AI-powered financing solution built to win more buyers and drive higher profits
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Why Upstart

Approved

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

Upstart Auto Finance

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

Couple in the showroom holding keys infront of their new car smiling

Expand your approvals

AI-powered credit decisions expand financing to more buyers across the full credit spectrum
Smiling finance manager sitting at a laptop in the showroom

Boost gross with smarter deal structures

Structure more profitable deals with more flexible finance options and instant re-hashing
A finance manager closing a deal handing an electronic pen to a buyer to sign on a tablet

Gain deeper credit insights to speed closing

Approve buyers via soft credit pulls, view credit/compliance details, and fund deals faster
Learn more about Upstart Auto Finance
Upstart Digital Retail

Turn traffic into transactions

Upstart’s digital retail connects online shoppers to AI-powered financing to boost showroom traffic and deal flow

Modernize shopping
experience

Drive credit app
submissions

Speed up deal
in-store

Present the best offer
to close the deal

Learn more about Upstart Digital Retail

It's literally the easiest tool there is to submit a deal.

Evan Driscoll
Audi Jacksonville

We’re speeding up financing and creating a better process for our sales managers and customers.

Chad Bouchard
Ron Bouchard Auto Stores

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