Lending Marketplace
Scale your auto refinance portfolio
Upstart drives refinance-eligible borrowers to Upstart.com and provides your institution with auto loans that meet your credit criteria.
Upstart drives refinance-eligible borrowers to Upstart.com and provides your institution with auto loans that meet your credit criteria.
Upstart’s lending marketplace enables fast, all-digital originations with risk-based pricing. Consumers who apply for an auto refinance loan on Upstart.com and meet your credit criteria are matched with your institution and presented with an offer. Once accepted, loans are originated digitally and delivered through a forward flow purchase. Upstart handles verification and lien perfection, and you gain a new customer.
You can apply a wide array of qualifying criteria such as minimum credit score, maximum debt-to-income ratio, loan sizes, loan-to-value ratios, and more.
Upstart’s robust marketing engine uses advanced online and offline strategies to drive demand to Upstart.com where we present credit offers to credit worthy applicants.
Mobile-friendly application makes the process quick and easy—with only a soft pull on credit.
Vehicle and loan details such as VIN or license plate are automatically pulled.
Upstart’s risk-based AI model individually prices and matches applicants within your credit criteria resulting in higher approvals and lower losses.
Asset valuation is pulled from third party services and then leveraged in loan pricing.
Customer information is verified—many applicants are approved automatically.
Our expert staff manages all stips requested for higher-risk applications.
We provide an e-signature process with our refinance verification.²
Funds are sent directly to the previous lender—and payoff is verified.
Upstart handles title management for both electronic and paper titles creating a seamless experience for your institution and consumers.
We manage loan servicing end-to-end, including payment processing, collections, and repossession.
Learn how to grow a diversified consumer lending portfolio with strong returns and predictable credit performance.
1 This information is estimated based on all consumers who were approved for an auto loan through the Upstart platform and accepted their final terms. As of 12/31/2025, the average monthly payment savings amount is 20%.
2 E-signature refers to the online loan application and promissory note.
