Smarter Personal Loans
Personal loans are the fastest growing category in consumer lending. Upstart’s turnkey platform helps you offer a seamless, digital experience that has higher approvals and lower loss rates, all enabled by AI.

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.
Fraud & Verification
Upstart verifies customer application information providing 69% of borrowers with an instant funding experience.
Document submission, when required, is seamless and mobile friendly.
Closing
Signature process happens same-day and is completely digital.
Borrower presented with option to directly payoff credit card balances.
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.

Fraud & Verification
Upstart verifies customer application information providing 69% of borrowers with an instant funding experience.2
Document submission, when required, is seamless and mobile friendly.
Closing
Signature process happens same-day and is completely digital.
Borrower presented with option to directly pay off credit card balances.
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, 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.3
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.4
Improve efficiency
Enable your staff to focus on higher-value tasks with automated fraud and verification processes.
How borrowers benefit
more approvals
than traditional models1
lower rates
than traditional models1
monthly payment
vs. multiple credit card payments
Request Info
Learn how to delight your customers, minimize risk & profitably grow your consumer lending business through your own branded, all-digital lending experience.
1As reported by the Consumer Financial Protection Bureau, based on an internal Upstart study which compares outcomes from Upstart’s underwriting and pricing model against outcomes from a hypothetical model that uses traditional application and credit file variables and does not employ machine learning (traditional lending model).
2 As of 9/30/2020. Fully automated loans are defined as loans originated end-to-end (from initial application to final funding) with no human involvement
3 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.
4 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.