by the numbers

Upstart technology helps banks and credit unions reach more customers & make better decisions.


more approvals¹


lower rates¹


data points, not just your credit score

¹ As of October 2023, and based on a comparison between the Upstart model and a hypothetical traditional model. For more information on the methodology behind this study, please see Upstart’s Annual Access to Credit results here.

² As of December 31, 2023.

³ Based on loans originated on the Upstart platform from January 2017 to January 2024. LMI categorization is based on comparing median income in customers ZIP code vs median income within the MSA of that ZIP code.

0 +

customers served²

% of Upstart-Powered Loans to LMI Communities³


Compared to dv01’s Unsecured Industry Benchmark4, Upstart offers:

117% more loans

to borrowers with income <$50k

4-6% lower rates

to borrowers with FICO scores <660

Upstart bank & credit union partners have originated



of Upstart powered loans are fully automated5

4 In an internal study, Upstart compared data on loans facilitated through the Upstart platform to data on loans originated by other consumer lenders in DV01’s Consumer Unsecured Benchmark group. The study considered loans originated during the period from Q1 2021 to Q3 2023.

5 As of 12/31/2023. Fully Automated metric is calculated on a quarterly basis. Fully automated loans are defined as loans originated end-to-end (from initial rate request to final funding) with no human involvement.