About Us

Smarter Lending Starts Here

Why We Exist

Because credit should work for everyone.
Access to affordable credit is one of the most powerful tools for improving lives. Yet nearly half of creditworthy Americans are denied traditional loans due to outdated scoring systems. We’re changing that.

At Upstart Loan Company, we are transforming the lending experience by combining advanced technology, data science, and a commitment to financial inclusion. As a leading AI-powered loan provider, we connect individuals with fair, fast, and affordable loan options, while helping our bank and credit union partners expand access to responsible credit.

Who We Are

We’re a next-generation loan marketplace powered by artificial intelligence. Our platform connects millions of borrowers to a growing network of trusted financial institutions, offering personal loans, car loans, small-dollar relief loans, and more. 3M+ Happy Customers
$44.7B+ in Loan Originations
100+ Lending Partners

Our mission

What Makes Us Different

✅ AI-Driven Approvals We analyze over 2,500 variables — not just credit scores — to offer a more accurate and fair lending decision.
✅ Real-Time Model Training Our models learn from over 86 million monthly repayment events, allowing us to continuously improve risk assessment.
✅ Fully Automated Experience From application to approval, our loan process is 92% fully automated, reducing wait times and improving access.
✅ Verified and Secure AI powers our identity verification, fraud detection, and income/employment validation — so borrowers enjoy a fast, secure experience.

Why People Love Upstart Loan Company

“Upstart Loan Company made borrowing money so easy and stress-free! From the simple application process to the fast approval, everything was smooth and transparent. Their low interest rates and flexible repayment plans really helped me manage my finances without any pressure. The team was friendly and supportive, answering all my questions promptly. I especially appreciated the honest advice and no hidden fees. Thanks to Upstart, I got the funds I needed quickly and without hassle. I highly recommend them to anyone looking for a trustworthy and customer-focused lender!”

"Upstart Loan Company made the entire loan process simple and fast. The low interest rates and clear terms gave me confidence. Highly recommended!"

"Flexible payment options and quick approval made Upstart my go-to lender. They truly care about their customers’ needs."

"The refundable deposit system was new to me but worked perfectly. No collateral needed and low monthly rates – couldn’t ask for more!"

"Fast, friendly, and reliable. Upstart Loan Company made borrowing money stress-free with excellent support throughout the process."

"Excellent customer service and no hidden fees. I got my loan quickly and was able to pay it back comfortably with their flexible plan."

"I appreciated the honest advice and commission-free guidance from Upstart. They truly put their customers first!"