Upstart is the leading AI lending platform designed to expand access to affordable credit. With more than $3.3B in loans originated, Upstart has loss rates less than half those of peer platforms for borrowers with similar FICO scores. Most borrowers are instantly verified*. Upstart's patent pending platform is the first and only to receive a no-action letter from the Consumer Financial Protection Bureau related to fair lending. Upstart was founded by ex-Googlers in 2012 and is based in San Carlos, CA and Columbus, OH.
*The majority of borrowers on the Upstart platform are able to complete the application process automatically without providing additional supporting documents. Final approval is conditioned upon passing the hard credit inquiry.
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You can apply on Upstart's website by setting up an account and entering information about your education and employment.