Upstart
AI-driven lending platform partnering with banks to expand access to affordable credit
About Upstart
Upstart operates an AI-powered lending marketplace that connects consumers with banks and credit unions offering digital credit products. Its platform supports partner lenders with AI models and cloud applications used to evaluate applications, present loan offers, and manage an online borrowing experience. Upstart's lending programs include personal loans, automotive retail financing and refinancing, home equity lines of credit, and small-dollar relief loans. Applicants can submit information online, receive an eligibility decision, and compare available terms from participating financial institutions. Depending on the product and lender, the application and verification process may be automated, while the lending partner originates the loan. The company works with banks and credit unions seeking to expand digital lending and reach qualified borrowers through an online marketplace. Upstart's technology is relevant to consumer credit, personal loan marketplaces, auto refinance, AI credit underwriting, and financial institutions modernizing loan origination with data-driven application assessment and digital customer journeys.
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