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.

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Application

Customers apply for loan financing with your current loan process.

Via our secure API, lender passes application data to Upstart.

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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.

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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.

Oval

Application

Customers apply for loan financing with your current loan process.

Via our secure API, lender passes application data to Upstart.

Oval

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.

Oval

Origination

Your existing experience displays pricing and term options to the customer.

You're in control

Customize your credit policy

Define your setup, including credit score ranges, desired debt-to-income ratios, supported states, and more.

Leverage AI to predict default

Our model estimates the probability and timing of default to enable you to manage within your risk appetite.

Control your economics

Configure rates to manage to your desired return on assets.

You're in control

100% instant pricing

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Modernize lending across multiple products

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Personal loans
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Auto loans
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Private student loans
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More coming soon

Upstart’s underwriting is proven

Trained with real-world borrower data at scale and over time.

1000+
data points per applicant not just a credit score 
14.6M
repayment events from borrowers1
$
13.6B
in originations since 20121

AI leads to dramatically better performance

Upstart Model vs. Traditional Models*

75%

Fewer defaults at same approval rate
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173%

More approvals at same loss rate
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75%

Fewer defaults at same approval rate

173%

More approvals at same loss rate
*In an internal study, Upstart replicated three bank models using their respective underwriting policies and evaluated their hypothetical loss rates and approval rates using Upstart’s applicant base in late 2017. Such result represents the average rate of improvement exhibited by Upstart’s platform against each of the three respective bank models.

Request info

Learn how you can grow your consumer lending business by approving more borrowers within your credit policy with 100% automated decisioning.

1 As of 6/30/2021.