Founded in 2012 by ex-Google employees, Upstart was born from a simple observation: traditional credit scoring misses the full picture of creditworthiness. Credit scores, while useful, don't account for education, job history, or other indicators of financial responsibility.
We set out to build a fairer, smarter lending platform using artificial intelligence. By analyzing over 1,000 variables—including education and employment data—our AI models can predict creditworthiness more accurately than traditional methods.
Today, we've helped over 2 million borrowers access affordable credit and have funded more than $20 billion in loans through our network of 100+ bank and credit union partners. Our technology has enabled us to approve more people at better rates, expanding financial opportunity for millions.