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.

“Upstart’s Credit Decision API will enable us to increase the speed of lending decisions, better price applicants and more accurately assess risk, ultimately to better serve our customers."
Ganesh Kumar, Chief Operating Officer, Oriental Bank
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.
Customers apply for loan financing with your current loan process.
Via our secure API, lender passes application data to Upstart.
Credit decisioning
Upstart leverages 1000+ data points and returns risk-based pricing and term options, including support for declines — all based on your credit policy.
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.
Application
Customers apply for loan financing with your current loan process.
Via our secure API, lender passes application data to Upstart.
Credit decisioning
Upstart leverages 1000+ data points and returns risk-based pricing and term options, including support for declines — all based on your credit policy.
Origination
Your existing experience displays pricing and term options to the customer.
You're in control
Define your setup, including credit score ranges, desired debt-to-income ratios, supported states, and more.
Our model estimates the probability and timing of default to enable you to manage within your risk appetite.
Configure rates to manage to your desired return on assets.
You're in control

100% instant pricing
Modernize lending across multiple products
Personal loans
Auto loans
Private student loans
More coming soon
Upstart’s underwriting is proven
Trained with real-world borrower data at scale and over time.
data points per applicant not just a credit score
repayment events from borrowers1
in originations since 20121
AI leads to dramatically better performance
75%
Fewer defaults at same approval rate173%
More approvals at same loss rate75%
Fewer defaults at same approval rate173%
More approvals at same loss rateRequest info
1 As of 3/31/2022.