Upstart powered lenders​

We help our bank and credit union partners grow their consumer lending portfolios and offer an exceptional digital lending experience.

Many Fintech companies aspire to become the bank of the future — we’re not one of them. Instead of competing with banks, we partner with them and use AI to create modern all-digital lending experiences.

Dave Girouard, CEO

See what some of our lending partners have to say about working with Upstart:

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“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
“We are excited to partner with Upstart to enhance the online lending options that will better serve existing members and allow us to attract new members across the communities we serve. With Upstart, MIDFLORIDA will be able to provide an all-digital, AI-powered consumer lending experience for affordable, fairly-priced personal loans to more Floridians.”

Dennis Pershing

Executive Vice President/Consumer Lending
“Our mission is to bring the best products and services to our members as well as help improve their overall financial health and well-being. Our partnership with Upstart’s all-digital, AI lending solution allows us to drive more inclusive lending outside of our branch footprint and help even more people improve their financial wellness.”

Richard Wada

Chief Lending Officer
“We are very particular when we choose a fintech partner. Our partners must embrace doing things the right way, with legal and risk compliance maturity. We believe Upstart has invested in robust systems that ensure borrowers are well-vetted, and that they will make a strong partner for delivering value and options to our members.”

Charles Krawitz

Senior Vice President, Chief Capital Markets Officer & Head of Commercial Lending
“We chose to partner with Upstart because their approach to modernizing lending is well aligned with FNBO’s focus on a customer-centric experience. Upstart’s AI/ML-based pricing engine and automation will allow us to profitably serve a broader set of customers, within a great digital on-boarding experience, than we could before.”

Marc Butterfield

SVP of Enterprise Digital Solutions and Emerging Business
“With BCU’s focus on empowering people to discover financial freedom, we are delighted to partner with Upstart to provide an all-digital, AI-powered lending experience to reach and lend to more eligible non-members nationwide.”

Dave Brydun

Senior Vice President of Lending
“Through Upstart’s AI lending platform, Mascoma Bank will be able to reach and lend to more creditworthy borrowers while providing an all-digital modern consumer lending experience.”

Ken Wells

Chief Retail Lending Officer for Mascoma Bank
“The best part of working with Upstart has been the ability to put the consumer on a better financial path to meet their goals, extinguish debt, and save for a home.”

J.R. Bucker

Chief Executive Officer
“At Vantage West, we constantly re-evaluate our product offerings to ensure we provide reliable access to credit for our target members as they move through various stages of their lives. Our partnership with Upstart will allow for more borrowers to apply for unsecured personal loans and receive a loan decision within minutes.”

Michelle Goeppner

VP Consumer Lending & Product Strategy
“We talked to one fintech company and we didn’t like their model and approach. They immediately told us we could considerably mark up rates and make money. As a credit union, that’s not our philosophy, and it didn’t sit well with us. Our goal is to lend responsibly to help our members fulfill their goals … We wanted a partner who lends to the right people, even though those people may have blemishes on their credit history. We want to make an impact on their lives.”

Brent McCoy

Chief Credit Officer
“Midwest BankCentre is a values-based bank committed to helping our clients find financial solutions that are right for them. Upstart’s use of artificial intelligence to expand access to reasonably priced capital coupled with its sleek online customer interface helps us to save our clients’ money and improve their lives.”

Danny R. Pogue

President – Commercial, Retail & Small Business Banking
“With Upstart’s platform, we’re continuing our Delivery Transformation, an investment in our technology and delivery systems to meet the evolving needs of our Customers. Through this partnership, we’re providing a more affordable personal loan solution that meets the unique needs of our diverse communities across the Greater Philadelphia and Delaware region.”

Jim Wechsler

Senior Vice President, Chief Retail Lending Officer
“We selected Upstart because of the dynamic nature of the AI underwriting model that allows us to approve credit-worthy applicants at competitive rates. Thanks to Upstart, we are able to provide our customers a digital-first consumer lending product as yet another step in the Bank’s digital transformation.”

Jim Matera

Executive Vice President and Chief Retail Banking Officer
“Our partnership with Upstart will allow Abound to create more possibilities for Kentuckians through an enhanced all-digital personal loan experience.”

Ray Springsteen

President & CEO
“We are excited to enter this partnership with Upstart. With an exceptional all-digital personal loan experience, it will make credit more accessible and aligns with our focus on reaching more people in our communities while helping grow our consumer lending business.”

Nitin Mhatre

CEO of Berkshire Bank
“With over 10 million people in the greater Los Angeles area, we are excited to partner with Upstart to find more creditworthy borrowers and serve more members. As a digital-first, human-centered credit union, WPCCU is partnering with financial technology companies like Upstart to take care of the financial needs of our members anywhere, anytime.”

Barry Roach

President & CEO
“Four Corners Community Bank is always looking for innovative ways to compete in a digital world in the consumer lending space. With their AI technology, Upstart offers a great solution that will allow us to improve the customer experience by increasing the efficiency and availability of consumer credit.”

Sheila Mathews

President & CEO
“With our focus to provide the highest quality of service and market-leading products, AgFed is excited to partner with Upstart to expand our reach and ability to serve more eligible members nationwide. With Upstart’s modern, all-digital lending experience, AgFed will be able to meet the expectations and needs of today’s consumer.”

Margie Click

CEO
“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
“To better serve the ever-changing needs of our communities and members. CCU has made significant investments in its digital strategy and online experience over the past several years. Through the strategic partnership with Upstart, CCU is able to deliver a modern, all-digital experience powered by AI to lend to more people.”

Jason Bierman

SVP & Chief Administrative Officer at CCU
“We are a credit union focused on providing high quality service through digital automation, personal assistance, and market-leading products, which is why we chose to partner with Upstart. Upstart has successfully provided our credit union with an opportunity to lend to a wider range of borrowers through an all-digital platform powered by AI and is helping us achieve our lending goals.”

 Jason Reed

Chief Operations Officer
“Upstart’s AI technology is supporting Carver Bank’s priority to provide affordable credit to our customers. By using AI, we are expanding credit access while more appropriately assessing the creditworthiness of loan applicants to go beyond narrowly focused traditional credit scores. Our partnership with Upstart is yet another way Carver aims to spread economic empowerment across the diverse communities the Bank serves.”

Michael T. Pugh,

President and CEO
“At Commonwealth Credit Union, we have a passion to serve our community and better lives. Through our partnership with Upstart, we are able to reach more people who need access to affordable credit. If a personal loan could improve their financial situation, we want to be there for them.”

Karen Harbin

President & CEO
“By partnering with Upstart, we’re able to help more people borrow smarter! Upstart will help us bring on new members through an online, AI-powered lending experience. These new members will not only get access to a great personal loan from our credit union, but they will also discover better banking that meets their financial needs.”

Nader Moghaddam

President and CEO
“Through our partnership with Upstart to power both personal loans and auto refinance loans, Firelands FCU will accelerate our digital transformation initiative by offering our members a modern, all-digital lending experience. With Upstart’s AI lending platform, we will be able to say yes to more creditworthy members while lending more inclusively across the communities we serve.”

Brett Montague

President & CEO
“As a tech-forward credit union looking to transform the way we serve our members, we chose to partner with Upstart because of their all-digital, AI-powered lending platform that modernizes the member experience. In partnership with Upstart, Firstmark Credit Union will be offering a new personal loan product that provides fair access to capital, meets the needs of the communities we serve, and improves the financial wellness of our members.”

Danny Smith

Senior Vice President and Chief Experience Officer
“As a digital-forward credit union, our goal is to help members reach their dreams through the products and services that we offer across any channel with which they want to interact. 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 in Douglas, Jefferson and Arapahoe counties, as well as outside of Colorado.”

Darius Wise

President and Chief Operating Officer
“With Sharonview’s focus on improving the financial standing of our members, we are proud to partner with Upstart to provide a better all-digital, AI-powered lending experience to benefit new members across the communities we serve. With Upstart, we will be able to serve more credit-worthy members and provide access to capital to those who need it most.”

David Brand

Senior Vice President of Lending Operations

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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.