Upstart Holdings Inc.

About Upstart Holdings Inc.

Upstart is a financial services company that offers personal loans, car loan refinancing, debt consolidation, and home equity lines of credit through an AI-driven platform. Their mission is to provide accessible and affordable credit solutions with low fixed rates, fast funding, and no hidden fees, helping over 3 million customers achieve their financial goals.

Products & Services

Personal Loans:Unsecured loans ranging from $1,000 to $75,000 for various purposes like debt consolidation, weddings, home improvements, moving, and medical expenses, with no prepayment penalties and next-day funding.

Car Loan Refinance:Refinancing options to replace existing car loans, offering average yearly savings of $1,400, with quick rate checks and no prepayment penalties.

Home Equity Line of Credit (HELOC):Offered through Upstart Mortgage, ranging from $26,000 to $250,000, with fast funding and competitive rates.

Short-term Relief Loans:Loans from $200 to $2,500 for everyday expenses, with clear costs (up to 36% APR) and repayment terms of 3-18 months.

Debt Consolidation:Loans to consolidate debt, including credit card debt, to simplify payments and potentially lower rates.

Personal loans

Auto refinance loans

Wedding loans

Home improvement loans

Debt consolidation loans

Medical loans

Moving loans

Relief loans

Credit card consolidation

Mortgage lending

Specialties

AI-driven lending Credit assessment Personal finance solutions AI-powered lending decisions Unsecured personal loans Next business day funding Soft credit pull rate checks Soft credit inquiries for rate checks No prepayment penalties

Funding History

Debug: View Raw Funding Data

#	Type	Amount Fields	Date Fields	Investors
1	RT: Debt T: - FT: Debt	A: 4000000000 MR: - FA: $4B FAN: 4000000000	D: 2026-07-29 FD: 2026-07-29	1 investors
2	RT: Forward Flow Agreement T: - FT: Forward Flow Agreement	A: 1200000000 MR: - FA: 1.2 billion FAN: 1200000000	D: 2026-04-22 FD: 2026-04-22	1 investors
3	RT: Forward Flow Agreement T: - FT: Forward Flow Agreement	A: 1000000000 MR: - FA: $1 billion FAN: 1000000000	D: 2026-03-17 FD: 2026-03-17	3 investors
4	RT: Securitization T: - FT: Securitization	A: 320000000 MR: - FA: $320 million FAN: 320000000	D: 2025-09-05 FD: 2025-09-05	-
5	RT: Debt - Convertible Senior Notes T: - FT: Debt - Convertible Senior Notes	A: 600000000 MR: - FA: $600,000,000 FAN: 600000000	D: 2025-08-12 FD: 2025-08-12	-
6	RT: Convertible Senior Notes T: - FT: Convertible Senior Notes	A: 500000000 MR: - FA: $500,000,000 FAN: 500000000	D: 2025-08-11 FD: 2025-08-11	-
7	RT: Securitization T: - FT: Securitization	A: 294510000 MR: - FA: $294.51 million FAN: 294510000	D: 2025-06-11 FD: 2025-06-11	-
8	RT: Convertible Debt T: - FT: Convertible Debt	A: 425000000 MR: - FA: $425,000,000 FAN: 425000000	D: 2024-11-15 FD: 2024-11-15	-
9	RT: Convertible Senior Notes T: - FT: Convertible Senior Notes	A: 425000000 MR: - FA: $425,000,000 FAN: 425000000	D: 2024-11-12 FD: 2024-11-12	-
10	RT: Debt Securitization T: - FT: Debt Securitization	A: 208001000 MR: - FA: $208.001 million FAN: 208001000	D: 2024-10-23 FD: 2024-10-23	-
11	RT: Debt T: - FT: Debt	A: 375000000 MR: - FA: $375,000,000 FAN: 375000000	D: 2024-09-17 FD: 2024-09-17	-
12	RT: Convertible Senior Notes T: - FT: Convertible Senior Notes	A: 300000000 MR: - FA: $300,000,000 FAN: 300000000	D: 2024-09-16 FD: 2024-09-16	-
13	RT: Debt T: - FT: Debt	A: 194740000 MR: - FA: $194.74 million FAN: 194740000	D: 2023-10-20 FD: 2023-10-20	-

Debt Latest

2026-07-29

$4.0B

1 investor (Pro only)

Forward Flow Agreement 2026-04-22

$1.2B

Forward Flow Agreement 2026-03-17

$1.0B

View 12 more funding rounds with Pro

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Growth Metrics

+45%

Employee Growth

YoY

3.2x

Funding Growth

Last Round

12

Markets

Operating

10K+

Customers

Active

View 3 more growth metrics with Pro

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Team & Leadership

No team data available

Team information is not yet available for this company

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