Upstart_Dealers_Full Color
Contact Sales

Smarter financing. Stronger sales.

Transform your dealership with an AI-powered financing solution built to win more buyers and drive higher profits
Request A Demo

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

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
Proven Results

Turn instant decisions into long-term wins

average back-end for Upstart loans¹
$ 0
of the time Upstart presents the best offer on used vehicles²
0 %
of the time Upstart is the only approved offer³
0 %

Dealers driving success with Upstart

“I’ve never seen anything like Upstart in the history of the car business. It’s amazing.”

Ronney Johnson
Sales Manager, Hughes Honda

“We’re up 20% while everyone else in our area is down 30%. I attribute a lot of that to our relationship with Upstart.”

James Herren
General Sales Manager, Tracy Honda

“Having a response in seconds makes the process of what we do here so much faster.”

Luis Dominguez
Finance Director, Germain Toyota

“Upstart allows me to put customers in cars that I normally would not be able to put them in.”

Joseph Martin
Partner, Car Wise

“Once I shared my success in getting approvals, it made my team more confident to submit to Upstart.”

Heather Karkoska
Finance Director, Del Toyota and Chevy

“By our second month live, Upstart became our #1 lender — it builds confidence fast.”

Guillermo “Memo” Munoz
President, Best Deal Auto
See more customer stories

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
  1. Average back-end reported by three dealerships based on information collected by Upstart from June 2024–October 2025.
  2. Based on FICO >640. Upstart determines the ‘best offer’ based on offers returned within its Auto Finance platform from January–September 2025, excluding captive lenders.
  3. Based on applications with credit score 640+ submitted by dealers to Upstart and other lenders using Upstart’s real-time approval capability from 01/01/25–05/23/25.