Overview

Upstart is an AI-powered lending platform that has transformed the way Americans borrow money—connecting more people with financial opportunities. Our mission is to expand access to affordable credit and offer some of the most competitive rates on the market. Your loan offers are personalized just for you, based on a variety of factors like your education* and employment history—not just your credit score. 

📌Note: *Neither Upstart nor its lending partners have a minimum educational attainment requirement in order to be eligible for a loan.

How Upstart Works

Upstart partners with trusted banks and credit unions to offer a variety of loan options tailored to your needs. With our simple online process, you can apply for a loan, get an instant decision, and—if approved—get funded quickly.

The power of AI-driven lending models allows us to gain a deeper understanding of our customers' complete financial profile—beyond their credit score. We evaluate applicants by analyzing a multitude of factors like: 

• Employment history

• Education background

• Credit profile

• Other financial factors

This approach helps our partner banks and credit unions assess each borrower more holistically, reflecting their true financial potential.

What Products Does Upstart’s Marketplace Offer?

Upstart’s marketplace offers a fast and easy way to get the money you need—along with a wide range of lending products to support your different financial goals: 

• Personal loans – Fixed-rate personal loans to cover expenses like home improvements, medical bills, or debt consolidation.

• Relief loans – A smaller-dollar loan option designed to provide financial support for unexpected expenses.

• Auto loan refinancing – Refinance existing car loans to secure new terms and potentially save money.

• Auto-secured personal loans – You may have the option to use your vehicle as collateral to secure your personal loan by placing a lien on the vehicle.

• Auto retail loans – Financing options to help borrowers purchase a vehicle through a dealership.

While Upstart simplifies the borrowing experience, all loans are issued by our bank and credit union partners. Loan terms, rates, and eligibility criteria may vary depending on the lender.

Why Choose Upstart?

• Fast and simple process – It only takes minutes to check your rate and compare loan options.

• AI-powered decision making – Our technology helps lenders evaluate applications based on a more holistic understanding of your complete financial profile.

• No prepayment penalties – Do what’s best for you and pay off your loan early without additional fees.

• Trusted bank and credit union partners – Upstart partners with trusted financial institutions who are dedicated to inclusive lending.

Next Steps

Interested in learning more about your borrowing options? Visit Upstart.com to check your rate with no impact on your credit score.*

📌 Related Articles:

• How Our Platform Partners with Banks and Credit Unions

• Loan Eligibility: How to Determine If You Qualify

• How Loan Applications Impact Your Credit Score

*Checking your rate does not impact your credit score. However, if you proceed with a full application, a hard inquiry may be conducted.