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All-digital lending enabled by AI

Grow households and expand consumer lending safely with more accurate credit decisioning

Realize dramatically better performance

10-31%
higher net annualized returns than industry avg1
2.3X
more risk separation
than FICO2
81.3
+
NPS
vs. 75 NPS from other financial service providers3

How you benefit

Grow households

Grow households

  • Acquire new households with attractive borrower attributes
  • Cultivate new household relationships for long-term value

Expand consumer lending

Expand consumer lending

  • Grow your consumer loan portfolio profitably
  • Diversify into personal and auto lending
  • Earn a high yield with predictable risk

Lend to more creditworthy borrowers safely

Lend to more creditworthy borrowers safely

  • Price and predict risk accurately
  • Increase approvals within your risk tolerance
  • Maintain full control of your credit policy

Deliver a modern, all-digital experience

Deliver a modern, all-digital experience

  • Enable consumers to borrow anywhere, any time
  • Originate loans in minutes vs. days
  • Automate approvals with minimal fraud rates

See how Upstart can help your:

Bank

Credit Union

Upstart solutions

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Upstart for personal lending

Grow consumer lending with two unique personal lending solutions. With the Upstart Referral Network, loans from applicants that meet your credit criteria are referred to you via Upstart.com, while our Lender-Branded Platform can be deployed on your financial institution’s website.

Upstart Referral Network Lender-Branded Platform

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Upstart for auto retail lending

Expand your auto portfolio profitably with Upstart Auto Retail Lending which gives your institution direct and easy access to auto loans originated at Upstart-powered dealerships without the cost or complexity of acquiring and managing new dealership relationships.

Auto Retail Lending

Upstart for auto refinancing

Accelerate loan growth with Upstart’s turnkey auto refinance solutions. With the Upstart Referral Network, auto refinance loans that meet your credit criteria are referred to your institution from Upstart.com. Our Lender-Branded Platform can power your website to offer a digital auto refinance experience.

Upstart Referral Network Lender-Branded Platform

We are now bringing on partners like Upstart to drive volume we would never have access to.

Jeremy Pinard, Chief Lending Officer

Vantage West Credit Union

Our partnership with Upstart allows us to provide an all-digital personal lending experience powered by AI to lend to more creditworthy borrowers across a wider demographic.

Darius Wise, President and Chief Operating Officer

Red Rocks Credit Union

At WECU, we believe that lives can be transformed through smart, responsible lending practices. That’s why we’re thrilled to partner with Upstart.

Matt Berendsen, Vice President of Lending

WECU

How did we decide to partner with Upstart? I think it was a mix of the right product, the right delivery channels, and using technology we didn’t have the ability to create in house. Importantly, it was also a cultural fit. It felt like Upstart was an extension of the Abound team.

Jake Darabos, Chief Financial and Administrative Officer

Abound

Our partnership with Upstart is definitely one of the strongest that we have at KEMBA. Upstart has invested in us—we’re in this together, so let’s get this done.

Mark Seymour, Vice President of Lending & Risk

KEMBA

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, President & CEO

Customers Bank

With BCU’s Workplace Banking partnerships and the Upstart Referral Network, we can deliver more inclusive lending to better serve new and existing members.

Dave Brydun, Senior Vice President of Lending

BCU

To expand our personal loan offering to meet the needs of more members, we looked for, and found, a trusted partner in Upstart to complement our loan and membership growth.

Rui Domingos, President & Chief Executive Officer

MIT Federal Credit Union

Upstart powered lenders

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Learn how you can grow your consumer lending business by approving more borrowers within your credit policy while providing a modern, digital experience.

1 From 2021 through 2023, Upstart delivers 10-31% higher net annualized returns compared to the unsecured consumer loans benchmark from DV01 for loans with less than 18% interest and credit scores greater than 680. The benchmark includes lenders like Upgrade, Sofi, Lending Club, Marlette, Prosper and Avant.

2 Based on analysis of Upstart internal performance data, as of April 25th, 2025 tracking annualized default rates for all originations made 2018-Q1 to 2024-Q4 “vintages”, separated by Upstart Risk Grades and FICO scores.

3 To determine Net Promoter Score (NPS) score, Upstart used a third-party service to administer surveys to personal loan applicants 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 financial services NPS scores: Recently, “What is a Good Net Promoter Score? (2025 NPS Benchmark),” May 2025.

All-digital consumer lending experience for banks

All-digital consumer lending experience for credit unions

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