We believe in fair, transparent, and ethical lending practices. Our mission is to expand access to affordable credit while protecting borrowers and promoting financial wellness for all.
At Upstart, responsible lending isn't just a policy—it's the foundation of everything we do. We're committed to using advanced AI technology ethically and transparently to help more people access the credit they need at fair rates.
We believe that financial inclusion should not come at the cost of consumer protection. That's why we've built our platform on principles of fairness, transparency, education, and unwavering support for our borrowers.
We're committed to providing equal access to credit for all qualified borrowers, regardless of race, color, religion, national origin, sex, marital status, age, or other protected characteristics.
Every applicant is evaluated using the same AI model with the same criteria. We don't discriminate based on protected characteristics, and our technology is designed to reduce human bias in lending decisions.
No hidden fees, no surprises. Before you accept any loan offer, you'll see the complete breakdown of your APR, monthly payment, origination fee, and total cost over the life of the loan.
We evaluate your ability to repay the loan based on income, expenses, and other financial obligations. Our goal is to help you succeed, not set you up for failure with unaffordable loans.
We use plain language in all our communications. Loan agreements, disclosures, and terms are written to be understood, not to confuse. If you have questions, our support team is ready to help.
Our AI is powerful, but we use it responsibly. Here's how we ensure our technology is fair, unbiased, and transparent.
We continuously test our models for discriminatory patterns and biases. Independent audits ensure our AI treats all applicants fairly regardless of protected characteristics.
While our AI is complex, we can explain which factors influenced your loan decision. If denied, you'll receive clear reasons and steps you can take to improve your chances.
We analyze 1,000+ variables beyond credit scores, including education and employment. This broader view helps us approve more people fairly, especially those overlooked by traditional lenders.
While 87% of decisions are automated, our team monitors the AI's performance, reviews edge cases, and ensures the technology serves borrowers' best interests.
Your data security and privacy are paramount. We employ industry-leading safeguards to protect your personal and financial information.
256-bit SSL encryption protects your data in transit and at rest. The same security used by major financial institutions.
All personal information is stored in secure, encrypted databases with strict access controls and regular security audits.
We never sell your personal information to third parties. Your data is used solely for loan processing and account management.
You have the right to access, correct, or delete your personal data. Contact us anytime to exercise your privacy rights.
Advanced fraud detection systems protect you from identity theft and unauthorized access to your account.
Multi-factor authentication and secure login protocols ensure only you can access your loan account.
We believe informed borrowers make better financial decisions. That's why we provide free educational resources to help you understand loans, credit, and personal finance.
We adhere to all federal and state lending regulations to ensure your protection and maintain the highest standards of conduct.
Full compliance with federal lending laws and regulations governing consumer credit.
Our bank partners are licensed and regulated in all states where we operate, meeting local lending requirements.
Independent third-party audits verify our compliance, security practices, and fair lending standards.
Questions? Concerns? Need assistance? Our customer support team is committed to helping you every step of the way.
Get help anytime through our online chat and support portal.
Speak with a real person who can answer your questions.
Send us a message and get a response within 24 hours.