Upstart individually prices each car buyer by evaluating thousands of data points—leading to more approvals, better offers and higher profits
Expand your buy-box and close more deals by offering more winnable financing options to creditworthy buyers overlooked or mis-priced by other lenders
Get instant approvals from a soft credit pull that looks beyond credit and collateral
Win more profitable deals across
the full credit spectrum
View red flags, OFAC, and fraud
checks upfront
With longer terms, higher LTVs, and instant-rehashing, our solution helps you boost revenue per sale with less friction
Loan terms up to 84 months and LTVs up to 185%, with lower down payments
More room for back-end and competitive reserve payouts to maximize profitability
Instant re-hash helps you edit the deal in real-time without waiting on lender callbacks
Upstart enables a seamless, fast, and efficient financing process, from approval to finalizing deals in one platform
Compare Upstart and existing lenders side-by-side on one screen
Get deals approved anytime with minimal steps required
Reduce contracts-in-transit with all-digital signing and funding as fast as same day
You give us better rates, and you give us better back-end profits. We’re definitely selling more cars.