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

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

Customers Bank Logo - 2022
“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
“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 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
“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
Oriental bank logo
“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
“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
“By utilizing Upstart’s AI lending model, we can serve more customers in our communities who can benefit from affordable credit.”
Matthew Gallman
Vice President & Enterprise Risk Officer
“Telhio selected Upstart as our partner for AI lending based on the modern, member-centric experience of its online personal loan application process. With Upstart’s AI lending platform, we will be able to improve credit access based on true risk based on over 1,000 variables without the overreliance on the traditional credit score and debt-to-income ratio to determine a borrower’s creditworthiness.”
Derrick Bailey
Chief Sales 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
“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 logo | An Upstart Partner
“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
AgFed Credit Union logo | An Upstart Partner
“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
Corning Credit Union logo | An Upstart Partner
“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