Upstart
AI-powered lending
Fast loan approval
Debt consolidation
Fair credit assessment
No prepayment fees
AI lending marketplace for personal, auto, and home equity loans
Last updated: May 14, 2026
FREEMIUM
upstart.com
Quick Answer
Upstart is an AI lending marketplace that connects consumers with banks and credit unions for personal, auto, and home equity loans. It uses advanced AI to assess creditworthiness beyond traditional scores, offering higher approvals and lower APRs. Best for individuals seeking fair and fast loan options. Fixed rates available.
About Upstart
Upstart is an AI lending marketplace that connects consumers with banks and credit unions for personal loans, auto loan refinancing, and home equity lines of credit. It leverages advanced AI models to assess creditworthiness beyond traditional scores, aiming to offer higher approval rates and lower APRs. The platform also serves financial institutions as an AI lending partner.
What Makes It Unique
Upstart's proprietary AI model analyzes over 2,500 variables and is trained on 104 million monthly repayment events, providing 2.2X more risk separation than FICO and enabling instant, automated loan origination for both borrowers and lenders.
AI-extracted from public sources. May contain errors. Methodology ·