All-Digital Lending Enabled by AI

Provide exceptional digital experiences, say yes to more borrowers, and improve your portfolio performance.


Delight customers

Achieve Net Promoter Scores (NPS) scores far higher than published benchmarks for the largest banks.1


Drive growth

Enhance your credit decisioning and identify more credit-worthy borrowers within your risk appetite.


Manage risk

Reduce losses by up to 75% with per-applicant pricing and systematic response to economic conditions.2


Improve efficiency

Enable your staff to focus on higher-value tasks with automated fraud and verification processes.

Realize dramatically better performance

Fewer defaults
at same approval rate2
more predictive than credit score during COVID-193
vs. less than 30 NPS
 at top-tier banks1

Upstart Products

Consumer Lending Platforms

Upgrade an existing program or launch a new one with Upstart’s turnkey offerings. These solutions help you increase access to credit, deliver more competitive rates, and offer a fully digital, effortless experience.


Enhance your credit decisioning process with AI while leveraging your existing technology. With our APIs, you can offer instant credit decisions for auto, personal, and student loans with higher approval rates and lower loss rates.

Upstart-powered banks

Apple Bank
Kemba Credit Union
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We chose to partner with Upstart because their approach to modernizing lending is well aligned with FNBO’s focus on a customer-centric experience. Upstart’s AI/ML-based pricing engine and automation will allow us to profitably serve a broader set of customers, within a great digital onboarding experience, than we could before.

Marc Butterfield
SVP of Enterprise Digital Solutions and Emerging Business,
First National Bank of Omaha
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The best part of working with Upstart has been the ability to put the consumer on a better financial path to meet their goals, extinguish debt, and save for a home.

J.R. Buckner
CEO, First Federal Bank of Kansas City
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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.

Sam Sidhu
Vice Chairman and Chief Operating Officer, Customers Bank.

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Learn how to delight your customers, minimize risk & profitably grow your consumer lending business through your own branded, all-digital lending experience.

1 To determine Net Promoter Score (NPS) score, Upstart used a third-party service to administer surveys to personal loan applicants immediately 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 NPS scores: Forbes, citing Temkin Group Insight Report, NPS Benchmark Study, 2018, October 2018.

2 In an internal study, Upstart replicated three bank models using their respective underwriting policies for personal loans and evaluated their hypothetical loss rates and approval rates using Upstart’s applicant base in late 2017. Such results represent the average rate of improvement exhibited by Upstart’s platform against the three respective bank models.

3 Based on an internal study conducted in June 2020 that compared the difference in hardship rate for a population of borrowers on Upstart segmented by both credit score and Upstart Risk Grade. When segmented by Upstart Risk Grade, the resulting difference in hardship rate between high risk and low risk borrowers is 600 bps. By comparison, when segmented by credit score, the resulting difference in hardship rate between high risk and low risk borrowers is only 90 bps.