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Smarter financing. Stronger sales.

Transform your dealership with an AI-powered financing solution built to win more buyers and drive higher profits
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Why Upstart

Approved

We don’t just finance the car.
We understand the customer.

Unlike traditional auto financing, Upstart uses thousands of data points – not just credit scores – to approve more buyers, structure more profitable deals, and speed up funding

Upstart Auto Finance

Auto finance, reimagined

Upstart Auto Finance helps dealers close more deals with AI-powered credit decisioning that’s faster, smarter, and built to boost profitability

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Expand your approvals

AI-powered credit decisions expand financing to more buyers across the full credit spectrum
Smiling finance manager sitting at a laptop in the showroom

Boost gross with smarter deal structures

Structure more profitable deals with more flexible finance options and instant re-hashing
A finance manager closing a deal handing an electronic pen to a buyer to sign on a tablet

Gain deeper credit insights to speed closing

Approve buyers via soft credit pulls, view credit/compliance details, and fund deals faster
Learn more about Upstart Auto Finance
PROVEN RESULTS

Turn instant decisions into long-term wins

average back-end for Upstart loans¹
$ 0
of the time Upstart presents the best offer on used vehicles²
0 %
of the time Upstart is the only approved offer³
0 %
  1. Average back-end reported by three dealerships based on information collected by Upstart from June 2024–October 2025.
  2. Based on FICO >640. Upstart determines the ‘best offer’ based on offers returned within its Auto Finance platform from January–September 2025, excluding captive lenders.
  3. Based on applications with credit score 640+ submitted by dealers to Upstart and other lenders using Upstart’s real-time approval capability from 01/01/25–05/23/25.

I’ve never seen anything like Upstart in the history of the car business. It’s amazing.”

Ronney Johnson
Sales Manager, Hughes Honda

Ready to close more deals with AI-powered financing?

Upstart helps your dealership approve more buyers, increase back-end profit, and convert more shoppers into customers