Upstart Auto Finance
Smarter, faster financing
Sell more cars and grow profits with Upstart Auto Finance — an AI-powered solution that delivers faster credit decisions and more flexible offers, so you never miss a sale
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Close more deals with a financing solution that gives you the full picture
Upstart individually prices each car buyer by evaluating thousands of data points—leading to more approvals, better offers and higher profits
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More approvals for higher profits
Close more deals with higher converting offers
Improve profitability with flexible financing options
Speed up financing & simplify the process
Close more deals with higher converting offers
Expand your buy-box and close more deals by offering more winnable financing options to creditworthy buyers overlooked or mis-priced by other lenders
Access AI-driven credit decisions
Get instant approvals from a soft credit pull that looks beyond credit and collateral
Secure more
competitive rates
Win more profitable deals across
the full credit spectrum
Streamline
compliance checks
View red flags, OFAC, and fraud
checks upfront
Improve profitability with more flexible financing options
With longer terms, higher LTVs, and instant-rehashing, our solution helps you boost revenue per sale with less friction
Have more flexibility to
close the deal
Loan terms up to 84 months and LTVs up to 185%, with lower down payments
Increase F&I
income
More room for back-end and competitive reserve payouts to maximize profitability
Find the right deal
structure faster
Instant re-hash helps you edit the deal in real-time without waiting on lender callbacks
Speed up financing & simplify the process
Upstart enables a seamless, fast, and efficient financing process, from approval to finalizing deals in one platform
View offers in one place
Compare Upstart and existing lenders side-by-side on one screen
Automate verifications
Get deals approved anytime with minimal steps required
Speed funding
Reduce contracts-in-transit with all-digital signing and funding as fast as same day
Turn instant decisions into long term wins
45%
of time Upstart has the best offer vs other lenders
$2,796
average back-end for Upstart loans¹
25%
of time Upstart is the only approved offer²
Unlock faster, more flexible financing to boost sales and profits
Get in touch with us today to learn how Upstart Auto Finance can transform your dealership’s financing process
- Audi Jacksonville findings reported are based on information collected by Upstart from June-October 2024.
- Based on applications with credit score 640+ that were submitted by dealers to Upstart and other lenders using Upstart’s real-time approval capability from 01/01/25 – 05/23/25.