Upstart

San Mateo, CA

AI lending marketplace for banks and consumers

About

Upstart builds an AI lending platform that partners with banks and credit unions to originate personal loans, auto loans, and HELOCs using non-traditional variables like education and job history for underwriting. It serves consumers seeking affordable credit and lenders aiming to approve more borrowers at lower loss rates. The platform automates over 90% of loans, enabling instant approvals and expanding credit access.