Upstart is an artificial intelligence-powered lending platform that provides personal loans, auto loans, and credit cards to consumers. The platform utilizes machine learning algorithms to evaluate creditworthiness based on an individual’s education, employment history, and other personal data. By using this approach, Upstart aims to offer more affordable and accessible credit options to people who may not qualify for traditional loans or credit cards. Upstart was founded in 2012 and is headquartered in San Mateo, California.