Accelerated Auto Loans
Grow your direct auto lending portfolio with Upstart’s auto finance platform. It offers seamless digital experiences with higher approvals and potentially lower loss rates.

How it works
Bank-branded, mobile-friendly application that allows user to finish their application in one sitting.
Pre-filled application with existing customer information creates a quick and easy process.
Credit Decisioning
Risk-based AI model prices customers within your credit criteria resulting in higher approvals and lower losses.
Asset valuation pulled from third party services, and leveraged in loan pricing.
Fraud & Verification
Customer application information is verified, and many applicants will be approved with no further action required by them.
Closing
Signature process happens same day and is completely digital.
Refinance funding is sent directly to the previous lender, and payoff is verified.
Purchase finance funding is channeled by Upstart to either borrower or dealership.
Seamless title management for both electronic and paper titles.
How it works
Application
Bank-branded, mobile-friendly application that allows user to finish their application in one sitting.
Pre-filled application with existing customer information creates a quick and easy process.
Credit Decisioning
Risk-based AI model prices customers within your credit criteria resulting in higher approvals and lower losses.
Asset valuation pulled from third party services, and leveraged in loan pricing.
Fraud & Verification
Customer application information is verified, and many applicants will be approved with no further action required by them.
Closing
Signature process happens same day and is completely digital.
Refinance funding is sent directly to the previous lender, and payoff is verified.
Purchase finance funding is channeled by Upstart to either borrower or dealership.
Seamless title management for both electronic and paper titles.
Optional services
Customer Acquisition
Upstart can present your offer of credit to applicants on the Upstart.com site, helping you drive origination volume that compliments your existing marketing efforts.
Loan Servicing
Upstart provides a comprehensive servicing solution including U.S. based customer support, bank-branded payment platform, and collections services.
You're in control
Set more than 15 criteria including minimum credit score, maximum debt-to-income ratio, loan sizes, loan-to-value ratios, and more.
Estimate the probability and timing of default, enabling you to approve the right applicants at the right price.
Configure rates to meet your desired return on assets tailored to your risk appetite.
You're in control
How you benefit
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.
Request Info
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.