Acquire new borrowers and deepen existing relationships
Expand and diversify your loan portfolio
Control your lending program’s risk and return
Expand your loan portfolio with high-performing personal loans that deliver valuable prime borrowers you can nurture into a deep, multi-product relationship.
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
Accelerate auto lending with two turnkey solutions—both powered by highly automated digital experiences where Upstart handles the complexity.
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.
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.
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.
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.
Using AI to automate credit decisions has resulted in loans performing well. Our participation in Upstart's prime program allows us to offer competitive rates with instant automated approvals, offsetting losses and bringing in new members.
Learn how you can grow your consumer lending business by approving more borrowers within your credit policy while providing a modern, digital experience.
1 As of 6/30/2025.
2 Upstart Network Inc. consists of a marketplace where consumers can connect with lenders for personal loans, auto refinance and other products. All mortgage lending is conducted by Upstart Mortgage, LLC. UML State Licenses. NMLS #2443873. NMLS Consumer Access.
3 Based on analysis of Upstart internal performance data, as of July 11th, 2025 tracking annualized default rates for all originations made 2018-Q1 to 2025-Q1 “vintages”, separated by Upstart Risk Grades and FICO scores.
4 In Q2 2025. 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.