Upstart’s been a huge advantage for our store, especially when it comes to getting certain deals approved at different hours of the day because the AI lending doesn’t involve any underwriters, nor people we have to talk on the phone. It’s basically as fast as possible. It’s the Amazon effect where a customer just wants to see the numbers, get the car—go, boom, out. So time to sale is huge when you’re using that software to make a deal happen.
F&I profit enhancements
In 2025, Upstart loans have a back-end dollar average of $2,796. In 2024, Upstart loans had an average of $1,199 from GAP sales and an average of $2,995 from VSCs.
24/7 instant decisions
“Using AI financing is a great way to get an immediate approval with a good rate.”
Expanded eligibility
“Upstart is really good for thin files and first time buyers. For people who just don’t have enough credit history built up yet, I’ve noticed the AI is really strong. With really good approvals, no stips and better rates compared to other lenders, Upstart is clutch.”
Effortless workflow
“Upstart is literally the easiest tool there is to submit a deal. It’s two clicks and I can have a car deal approved. It’s crazy, actually. It’s wild how fast it is.”
Some of these lenders take hours or days to get approval, but we can keep moving the deal forward without waiting 2–3 hours, no matter what time of day it is. Upstart gives you a full deal structure and lays it out in a nice grid so I don’t have to keep constantly rehashing the deal when I’m trying to sell a lot of cars in this environment.
