Upstart

Upstart

Financial Services

San Mateo, CA 268,788 followers

Our mission is to enable effortless credit based on true risk.

About us

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California, and Columbus, Ohio.

Industry
Financial Services
Company size
1,001-5,000 employees
Headquarters
San Mateo, CA
Type
Public Company
Founded
2012
Specialties
Personal Loans, FinTech, Marketplace Lending, Finance, Tech, SaaS, Data Science, Consumer Credit, Auto Lending, Lending, Consumer Lending, Credit, Machine Learning, Auto, Auto Software, Artificial Intelligence, and AI

Locations

Employees at Upstart

Updates

  • View organization page for Upstart, graphic

    268,788 followers

    Check out the latest episode of What the AI?! Podcast! This week, Jeff Keltner and Annie Delgado have a wide-ranging, informative, and down right fun conversation about: - DeepSeek touting its capability and low costs - Efforts to make the U.S. the "AI Capital of the World" - AI-enhanced accents in Hollywood - and a lot more... Catch it wherever you get your podcasts!

    View profile for Jeff Keltner, graphic

    Helping everyone better understand and take advantage of the latest developments in AI.

    🚀 What the AI?! Episode 12 is here, and we’re diving into some of the hottest topics in AI right now: 🎭 AI-Enhanced Accents in Hollywood Adrien Brody’s Oscar-nominated performance in The Brutalist raises the question: Does using AI to improve his Hungarian accent take away from his achievement? Plus, we explore what this tech could mean for dubbing and multilingual film production. 🏂 AI Judging Creativity at the X Games AI joins the 2025 X Games as a snowboarding judge. Can it make scoring more fair? Or will it spark new debates about technology’s role in evaluating creativity? 💡 Open-Source AI Changing the Game DeepSeek-R1, an open-source reasoning model, rivals OpenAI’s cutting-edge systems—at a fraction of the cost. What does this mean for innovation and regulation? 🌐 $500B AI Infrastructure Investment OpenAI, Oracle, and SoftBank are teaming up to make the U.S. the “AI Capital of the World” with a massive $500 billion data center project. 📰 Apple’s AI News Woes After generating false headlines, Apple pauses its news summary feature. What happens when AI gets it wrong? These stories (and more!) show how AI is evolving—and sparking new ethical, technical, and creative conversations. 🎙️ Don’t miss it: Catch this week’s episode on Spotify, YouTube, or wherever you get your podcasts! # WhattheAI #AI #Podcast

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  • View organization page for Upstart, graphic

    268,788 followers

    NADA 2025 is just days away, and a very special guest is joining us at the Upstart booth... Marri Stokes, Director of Operations at Leif Johnson Ford, will sit down with Danielle Mills Walden for a rapid-fire Q+A on: • How Leif Johnson is “shattering customer expectations” in car buying • Cultivating loyal customers who’ve bought up to 10 cars • Predictions for the year ahead When: Friday, Jan 24 @ 2:30–2:45 PM CT Seats fill fast—Get to Booths 2119 or 2127 early to grab yours!

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  • View organization page for Upstart, graphic

    268,788 followers

    🤔 Did you know that variables like ZIP codes or language preferences can unintentionally block credit access? At Upstart, we’ve developed a method to detect and eliminate these "proxies" in underwriting models, ensuring fairness and compliance with the Equal Credit Opportunity Act. Learn how we’re building more inclusive lending systems at the link below 🤝 https://lnkd.in/g5vhtw_b

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  • View organization page for Upstart, graphic

    268,788 followers

    AI is revolutionizing fair lending—and we have the numbers to show for it. Compared to a traditional credit model, our AI-powered model: - Approves 101% more applicants - Reduces APRs by 38% These breakthrough results are just the beginning. In our new series on AI and fair lending, we're tackling the industry's biggest challenges head-on: - Identifying and eliminating potentially negative proxies - Enhancing model explainability - Improving adverse action notices - Developing less discriminatory alternatives - Advancing fair-lending testing methodologies Read the first installment, with more about how our AI model expands access to credit, here: https://lnkd.in/gJUdZyMj And stay tuned for more insights in the coming weeks.

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  • View organization page for Upstart, graphic

    268,788 followers

    Hey, Auto Dealers — Ready to sell more cars this year? Let Keishawn Batts explain how Upstart's fully connected solution for online and in-store sales and financing helps: - Increase showroom traffic - Hold higher gross - And drive more profitable, sellable deals—all through a better digital experience If you're headed to #NADA2025, be sure to stop by Booths 2119 & 2127 to learn how Upstart can help you move more metal!

  • View organization page for Upstart, graphic

    268,788 followers

    Welcome, Sandia Area Federal Credit Union, to the Upstart family of lending partners! 🎉

    View organization page for Upstart for Lenders, graphic

    2,192 followers

    We're proud to welcome Sandia Area Federal Credit Union to the Upstart family of lending partners! 🎉 Through its partnership with Upstart, Sandia Area is able to onboard more personal loans and more members who can now benefit from Sandia Area's other high-quality products and services. #AILending #AccessToCredit Here’s what Brian Griffith, Chief Lending Officer at Sandia Area Federal Credit Union, had to say about the partnership:

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  • View organization page for Upstart, graphic

    268,788 followers

    🤩 We’re honored to be named one of Built In's 2025 #BestPlacestoWork in the U.S.! 🤩 Upstart was again ranked among the Best Large Places to Work in the U.S., as well as in San Francisco and Austin, Texas. We’re also still one of the Best Remote Places to Work and Best Remote Large Places to Work. We continue to believe in the power of our digital-first model, which brings together the highest-caliber candidates from across the U.S. to work toward our mission of expanding access to credit for all. Interested in joining us or knowing more? Follow us here on LinkedIn and view our open roles: careers.upstart.com. #BPTW2025 #2025BuiltInBest

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Funding

Upstart 9 total rounds

Last Round

Post IPO debt

US$ 425.0M

See more info on crunchbase