Grow households and expand consumer lending safely with more accurate credit decisioning
Expand your consumer loan portfolio with the Upstart Referral Network for personal loans. Prime borrowers who meet your credit criteria are matched with your institution on Upstart.com, giving you access to high-performing loans and valuable new members to grow long-term relationships.
Grow a high-performing, low-risk portfolio with Upstart’s HELOC solution. Upstart’s digital experience makes it easy for homeowners to access their equity—delivering high-utilization loans, immediate interest income and new prime members to your institution.
Grow your secured loan portfolio with a turnkey digital auto refinance solution that delivers prime borrowers with a proven history of payments. Upstart handles the entire process—from application to lien perfection—so your institution gains high-performing loans and valuable new members with minimal overhead.
Expand your auto portfolio profitably with Upstart Auto Retail Lending which gives your institution direct and easy access to auto loans originated at Upstart-powered dealerships without the cost or complexity of acquiring and managing new dealership relationships.
1 From 2021 through 2023, Upstart delivers 10-31% higher net annualized returns compared to the unsecured consumer loans benchmark from DV01 for loans with less than 18% interest and credit scores greater than 680. The benchmark includes lenders like Upgrade, Sofi, Lending Club, Marlette, Prosper and Avant.
2 Based on analysis of Upstart internal performance data, as of April 25th, 2025 tracking annualized default rates for all originations made 2018-Q1 to 2024-Q4 “vintages”, separated by Upstart Risk Grades and FICO scores.
3 To determine Net Promoter Score (NPS) score, Upstart used a third-party service to administer surveys to personal loan applicants following an applicant’s acceptance of a loan on Upstart’s platform. While the NPS methodology used by Upstart’s third-party service was designed to be consistent with the methodology used in the referenced benchmark study, any differences in the timing or method in which the surveys were administered could negatively impact the comparability of such NPSs. Source of bank financial services NPS scores: Recently, “What is a Good Net Promoter Score? (2025 NPS Benchmark),” May 2025.
