Build a high-performing, low-risk personal loan portfolio of prime borrowers that meet your credit criteria.
Upstart’s AI-powered marketplace enables fast, all-digital lending with individual risk-based pricing. Qualified applicants on Upstart.com who meet your credit criteria are presented with loan offers that can be originated digitally in minutes and sent to your institution via a forward flow loan purchase. Whether you’re looking for super prime borrowers or seeking higher yields with near-prime borrowers, or if you need help meeting your CDFI or LID requirements, we have the right solution to meet your lending goals. You can even target your existing customers.
Set more than 15 criteria including minimum credit score, maximum debt-to-income ratio, loan sizes, geography and more.
Upstart’s robust marketing engine uses advanced online and offline strategies to drive demand to Upstart.com, presenting loan offers to your existing customers and new borrowers who fit your risk profile.
Mobile-friendly application allows users to finish their application in one sitting.
Upstart’s risk-based AI model individually prices and matches applicants within your credit criteria resulting in higher approvals and lower losses.
91% of loans fully automated.³
Upstart’s expert staff manage all exception processes for higher-risk applications.
Same day all-digital signature process.
Next-business day loan funding.
Present bonus offers during the loan application to encourage checking account openings with your institution—with easy payroll deposit and bill pay switching.
Access insightful metrics and make informed portfolio decisions with the Upstart Performance Console.
Adjust your loan volume and lending parameters as your goals or strategy change.
Upstart’s team of former credit union and bank executives can help manage your program.
Learn how to grow a diversified consumer lending portfolio with strong returns and predictable credit performance.
1 Program lending parameters are highly configurable and set within the lender’s risk tolerance. Gross Average Return (GAR) is calculated as calculated as APR less expected annualized loss rate. Represents the average GAR received by Upstart lending partners for originations in Q4 2025 using the Upstart Referral Network.
2 As of publication in April 2025, and based on a comparison between the Upstart model and a hypothetical traditional model using Upstart data from Jan – Dec 2024. For more information on the methodology behind this study, please see Upstart’s Annual Access to Credit results here.
3 In Q4 2025. Percentage of Loans Fully Automated, which is defined as the total number of loans in a given period originated end-to-end (from initial rate request to final funding for personal loans and small dollar loans, and from initial rate request to signing of the loan agreement for auto loans) with no human involvement required by the Company divided by the Transaction Volume, Number of Loans in the same period.
