Upstart
FeaturedAI lending platform using 1,600+ variables to predict creditworthiness beyond FICO scores.
Why choose Upstart
Upstart is an AI lending platform that partners with banks and credit unions to expand access to affordable credit. Instead of relying solely on FICO scores, Upstart's AI evaluates 1,600+ variables — including education, employment history, and income patterns — to more accurately predict creditworthiness and reduce default rates.
- Approves more borrowers than traditional models
- Lower default rates for partners
- Free for consumers to apply
- Instant decisions
Where it falls short
- Higher APR for thin-file borrowers
- Limited loan products
- Public company with stock volatility
Best for these users
Pricing overview
Key features
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The verdict
Upstart is a solid choice for business teams who need approves more borrowers than traditional models. At free, it delivers good value. Main caveat: higher apr for thin-file borrowers. Compare with alternatives before committing.