Upstart ★ 0Sign in to vote

Upstart operates an AI-powered lending marketplace that connects consumers seeking credit with banks and credit unions that originate loans. The company describes software and machine-learning models used by lending partners in areas such as personal lending, auto retail, home equity, and smaller-dollar loans. Upstart provides technology and applications intended to support parts of the lending process, while participating financial institutions set their own credit policies and make lending decisions. Loan products, approval, rates, and availability depend on the borrower, partner lender, and applicable law. Upstart’s platform is therefore a technology and marketplace service rather than a guarantee of credit approval.