AI-Powered Financing
Turn every deal into a win-win scenario
Approve more buyers and increase your financing capabilities with integrated AI-powered financing.
Leverage the power of AI to win more deals – faster.
Speed up and simplify financing
Speed F&I process with instant approvals, fast deal restructures & automated verification
Present more sellable deals
More accurate credit decisioning and flexible deal structures for buyers and dealers
Improve profitability
Increase front and back-end profits with more finance friendly deal structures
Upstart compliments your current F&I workflow to offer a better lending option. We offer full spectrum lending to find the best financing offer for your car buyer with less friction so you can provide a better buying experience.
1
Expand your finance offering
Upstart provides another finance channel complementary to your existing F&I workflow to finance more deals faster.
2
Decision deals instantly
Obtain approvals in seconds, not minutes to speed up the deal process.
3
Customize loan offers in real-time
Get access to more financing options with the ability to update deal terms instantly.
4
Get funded faster
With automated verifications, minimal stips required and the ability to eSign the deal documents — you can close deals faster without the friction
More loans. More approvals. More profits.
More loans.
More approvals.
More profit.
Increase profits up to
50%
higher back-end gross vs industry average¹
More advance for F&I products up to
185%
LTV with no max backend
Instant approvals
With next day funding
Want to see what Upstart Auto Retail can do for you?
- In an internal study, Upstart compared data on Upstart-funded loans through a leading dealer partner from November 2023 to industry data over the course of 2023, sourced from JM&A. Average back-end gross for Upstart-funded loans was $2,533 while the industry average was $1,818.