Value proposition

Our mission is to enable effortless credit based on true risk.

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products.

With Upstart AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.

Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.

Upstart is based in San Mateo, California, and Columbus, Ohio.

Personal Loans, FinTech, Marketplace Lending, Finance, Tech, SaaS, Data Science, Consumer Credit, Auto Lending, Lending, Consumer Lending, Credit, Machine Learning, Auto, Auto Software, Artificial Intelligence, and AI