Upstart Coupon Codes & Discounts

Founded in 2012 in San Mateo, California by former Google executive Dave Girouard along with Anna Counselman and Paul Gu, Upstart began with an income share agreement product before pivoting in 2014 to a personal loan marketplace model. Rather than operating as a bank itself, the company provides artificial intelligence and machine learning models that assess creditworthiness using variables beyond a traditional credit score, including education and employment history. Its cloud-based platform supports unsecured personal loans, auto loan refinancing, auto retail loans, small-dollar loans, and home equity lines of credit, with more than 90% of loans processed in a fully automated manner. Upstart Holdings has traded publicly on the NASDAQ under the ticker UPST since December 2020.