Upstart

Upstart is an AI lending marketplace (NASDAQ: UPST) that connects consumers with banks and credit unions, using AI-driven underwriting models to price credit beyond traditional FICO-based scoring. The marketplace offers personal loans, car loan refinancing, debt consolidation, home equity lines of credit, and short-term relief loans - loans are originated by regulated bank and credit-union partners, including lender-branded powered-by-Upstart sites. Upstart's API surface is partner-facing rather than public: a Reporting API for lending partners is operated at api.upstart.com and publicly tracked on status.upstart.com, but no public developer portal or API documentation is published.

Upstart publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Lending, Credit, and Artificial Intelligence.

Upstart’s developer surface includes engineering blog, support, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub
29.4/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
1 APIs
CompanyFintechLendingCreditArtificial IntelligencePersonal LoansBankingMarketplace

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 29.4/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 4.1 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/upstart: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Upstart Reporting API

Partner-facing reporting API for Upstart's bank and credit-union lending partners. Not publicly documented - its existence and availability are publicly evidenced by the "Report...

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Upstart Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Upstart Vulnerability Disclosure

security.txt · contact published

SECURITY

Upstart Trust Center

trust center published

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login
Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle
 Conformance
Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure
 SecurityTxt
SecurityTxt
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: upstart
name: Upstart
description: 'Upstart is an AI lending marketplace (NASDAQ: UPST) that connects consumers with banks and credit unions, using
  AI-driven underwriting models to price credit beyond traditional FICO-based scoring. The marketplace offers personal loans,
  car loan refinancing, debt consolidation, home equity lines of credit, and short-term relief loans - loans are originated
  by regulated bank and credit-union partners, including lender-branded powered-by-Upstart sites. Upstart''s API surface is
  partner-facing rather than public: a Reporting API for lending partners is operated at api.upstart.com and publicly tracked
  on status.upstart.com, but no public developer portal or API documentation is published.'
url: https://raw.githubusercontent.com/api-evangelist/upstart/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- first-round-capital
- gv
- khosla-ventures
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
image: https://d1cy3c0knche0o.cloudfront.net/static/hero_social_thumbnail.jpg
tags:
- Company
- Fintech
- Lending
- Credit
- Artificial Intelligence
- Personal Loans
- Banking
- Marketplace
apis:
- name: Upstart Reporting API
  description: Partner-facing reporting API for Upstart's bank and credit-union lending partners. Not publicly documented
    - its existence and availability are publicly evidenced by the "Reporting API" component on Upstart's status page (live
    since 2021-03-16) and the api.upstart.com host, which serves Upstart's security.txt. Access is limited to Upstart lending
    partners.
  humanURL: https://www.upstart.com/lenders
  baseURL: https://api.upstart.com
  tags:
  - Lending
  - Reporting
  - Partner API
  properties:
  - type: StatusPage
    url: https://status.upstart.com
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.upstart.com
- type: Blog
  url: https://www.upstart.com/learn/
- type: Support
  url: https://upstarthelp.upstart.com/
- type: Login
  url: https://www.upstart.com/login
- type: TermsOfService
  url: https://www.upstart.com/terms
- type: PrivacyPolicy
  url: https://www.upstart.com/privacy_policy
- type: GitHubOrganization
  url: https://github.com/teamupstart
- type: StatusPage
  url: https://status.upstart.com
- type: Lifecycle
  url: lifecycle/upstart-lifecycle.yml
- type: TrustCenter
  url: https://trust.upstart.com/
- type: Security
  url: https://www.upstart.com/lenders/regulatory-compliance/vulnerability-reporting/
- type: VulnerabilityDisclosure
  url: security/upstart-vulnerability-disclosure.yml
- type: SecurityTxt
  url: well-known/upstart-security.txt
- type: WellKnown
  url: well-known/upstart-well-known.yml
- type: DomainSecurity
  url: security/upstart-domain-security.yml
- type: Conformance
  url: conformance/upstart-conformance.yml
- type: LLMsTxt
  url: llms/upstart-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 8
  pass: local-v1