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Unlock the value of refinancing through Upstart


instant-decisioned auto loans1


avg borrower savings per month2


managed lien perfection

Upstart powered lenders

  • Upstart’s model was able to deliver better returns, lower default rates, and reduced risk of fraud. We’ve grown the program from a small pilot to a full-scale lending program that’s continued to meet and exceed our expectations.
    Sam Sidhu
    Vice Chairman and Chief Operating Officer, Customers Bank.
  • The best part of working with Upstart has been the ability to put the consumer on a better financial path to meet their goals, extinguish debt, and save for a home.
    J.R. Buckner
    CEO, First Federal Bank of Kansas City
  • We chose to partner with Upstart because their approach to modernizing lending is well aligned with FNBO’s focus on a customer-centric experience. Upstart’s AI/ML-based pricing engine and automation will allow us to profitably serve a broader set of customers, within a great digital onboarding experience, than we could before.
    Marc Butterfield
    SVP of Enterprise Digital Solutions and Emerging Business,
    First National Bank of Omaha

Tap into the growing auto refinance opportunity

Auto refinance represents a small share of the $1.37 trillion3 in outstanding auto loans. As consumers look to save money, banks have a significant opportunity to expand their auto loan portfolio and deepen their customer relationships by partnering with Upstart.

Upstart for auto refinancing is powered by our AI lending platform which enables fast, all-digital originations with accurate risk-based pricing.

How you benefit

Grow your auto loan portfolio through refinancing

Originate more auto refinance loans profitably

Refinance loans with compelling offers

Acquire new customers

Deliver a modern digital refinance experience

Provide a fast and seamless application process for consumers

Automate approvals with minimal fraud rates

Trust Upstart to manage the entire process including stips and lien perfection

Lend to more creditworthy borrowers safely

Price and predict risk with accuracy

Increase approvals within your risk tolerance

Maintain full control of your credit policy

How it works

  • Application

    Bank-branded, mobile-friendly application is pre-filled with existing customer information, making the process quick and easy.

    Vehicle and loan details such as VIN or license plate are automatically pulled.

  • Credit Decisioning

    Our risk-based AI model prices customers within your credit parameters resulting in higher approvals and lower losses.

    Asset valuation is pulled from third party services and then leveraged in loan pricing.

  • Fraud & Verification

    Customer information is verified with many applicants approved automatically.

    Our expert staff manages all stips requested for higher-risk applications.

  • Loan Closing

    We provide an e-signature process with our refinance verification.4

    Funds are sent directly to the previous lender – and payoff is verified.

  • Lien Perfection

    Upstart handles title management for both electronic and paper titles creating a seamless experience for your bank and consumers.


You're in control

Configure your credit policy

Apply a wide array of qualifying criteria such as minimum credit score, maximum debt-to-income ratio, loan sizes, loan-to-value ratios, and more.

Set your pricing strategy

Configure rates to meet your desired return on assets tailored to your risk appetite.

Leverage AI to predict default

Approve borrowers that meet your risk profile – our model predicts the probability and timing of default.