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Smarter, Faster Financing

Gain access to a full-spectrum AI-powered financing solution designed to help dealerships increase profitability by closing more deals with faster credit decisions and more flexible finance offers —all while working with your existing dealership solutions. 
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Introducing Upstart Auto Finance
Unlike legacy auto lenders that rely primarily on traditional credit scores and a handful of loan attributes, Upstart Auto Finance individually analyzes and prices each car buyer by evaluating thousands of data points to help them get the best offer - and help you get the most profit.
Close more deals with higher converting offers
Expand your pool of eligible buyers and close more deals by offering more winnable financing options. Upstart helps you identify buyers who might otherwise be overlooked or mis-priced by other lenders such as those with thin files, contract workers or first-time purchasers.
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AI-driven credit decisions: Gain access to more accurate credit decisioning that provides the best offers to close more deals.
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More competitive rates: Access a more expansive buy-box that helps win deals across the full credit spectrum.
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Instant approvals on a soft credit pull: Gain better insights early in the sales process with complimentary soft credit pulls. 
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Automated recommended offers: View alternative offers with lower APRs or better terms to meet customer budgets.
Improve profitability with flexible financing options
Upstart helps you maximize profitability on every deal. From expanded loan terms, higher LTV limits, more cash down flexibility and instant-rehashing capabilities, our solution helps you generate more revenue per sale with less friction.
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More flexibility to close the deal: Unlock more financing opportunities with loan terms up to 84 months, LTV limits up to 185%, and lower down payment requirements.
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Increase back-end profitability: Higher F&I compensation with reserve payouts up to 3.5% with no cap on funded loan amount increases your margins. 
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Find the right deal structure faster: Instantly re-hash deals with one-click to help make faster decisions on the best deal possible.
Speed up financing & simplify the process
Upstart enables a seamless, fast, and efficient financing process, from approval to finalizing deals in one platform. With deeper credit and compliance insights, automated verifications and funding as fast as 24 hours, your finance team can move faster and improve cash flow.
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View offers in a single view: Quickly compare offers from Upstart and your existing lenders on one simple screen. 
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Streamline compliance checks: View red flags, OFAC, and fraud checks to make safer and better decisions in your sales process.
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Automate verifications: Speed funding with minimal stipulations required for approval.
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Minimize contract in transit: Finalize deals faster with in-platform e-contracting processing and next-business-day funding to improve cash flow.
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.
About Upstart Auto Retail
Upstart Auto Retail is a leader in modern automotive retail solutions, providing the most seamless and flexible connected retailing platform for dealers to increase sales efficiency and customer satisfaction.