Integrate Upstart’s AI underwriting technology into your existing origination process to deliver instant decisioning with accurate, risk-based pricing.
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 or personal loan.
Customers apply for loan financing with your current loan process.
Via our secure API, lender passes application data to Upstart.
Upstart leverages 1600+ data points and returns risk-based pricing and term options, including support for declines — all based on your credit policy.
Your existing experience displays pricing and term options to the customer.
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 your desired return on assets.
Trained with real-world borrower data at scale and over time.
Fewer defaults
at same approval rate
More approvals
at same default rate
Fewer defaults
at same approval rate
More approvals
at same default rate
¹ As of 3/31/2025.
