Credit Decision API

Utilize Upstart’s AI underwriting technology as part of your customer experience and loan origination process. Now supporting personal, auto, and private student loans.

How it works

Use your existing application process with Upstart’s AI-powered Credit Decision API.
Our model supports real-time decisions, APRs, and AANs for your auto loan, personal loan, or private student loan program.

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Application

Customers apply for loan financing with your current loan process.

Via our secure API, bank passes application data to Upstart.

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Credit Decisioning

Upstart leverages 1500+ data points and returns risk-based pricing and term options, including support for declines — all based on your bank’s credit policy.

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Origination

Your existing experience displays pricing and term options to the customer.

How it works

Use your existing application process with Upstart’s AI-powered Credit Decision API.
Our model supports real-time decisions, APRs, and AANs for your auto loan, personal loan, or private student loan program.

Oval

Application

Customers apply for loan financing with your current loan process.

Via our secure API, bank passes application data to Upstart.

Oval

Credit Decisioning

Upstart leverages 1600+ data points and returns risk-based pricing and term options, including support for declines — all based on your bank’s credit policy.

Oval

Origination

Your existing experience displays pricing and term options to the customer.

You're in control

Customize your credit policy

Define your setup, including credit score ranges, desired debt-to-income ratios, supported states, and more.

Leverage AI to predict default

Our model estimates the probability and timing of default to enable you to manage within your risk appetite.

Control your economics

Configure rates to manage to your desired return on assets.

You're in control

100% instant pricing

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Modernize lending across multiple products

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Personal loans
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Auto loans
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Private student loans
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More coming soon

Upstart’s underwriting is proven

Trained with real-world borrower data at scale and over time.

1600+
data points per applicant not just a credit score
9.0M
repayment events
from borrowers1
$
7.8B
in originations
since 20121

AI leads to dramatically better performance

Upstart Model vs. Traditional Models*

75%

Fewer defaults
at same approval rate
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173%

More approvals
at same loss rate
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fewer-defualts-graph-mobile

75%

Fewer defaults
at same approval rate

173%

More approvals
at same loss rate
*In an internal study, Upstart replicated three bank models using their respective underwriting policies and evaluated their hypothetical loss rates and approval rates using Upstart’s applicant base in late 2017. Such result represents the average rate of improvement exhibited by Upstart’s platform against each of the three respective bank models.

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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.

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1 As of 9/30/2020.