Upstart is an online lending platform that uses artificial intelligence to assess creditworthiness. Unlike traditional lenders, it considers various factors beyond just credit scores, such as education and job history, to determine loan eligibility. This approach aims to provide more accessible financing options for individuals who may not qualify through conventional means. Founded in 2012 by Dave Girouard, Anna Counselman, and Paul Gu, Upstart focuses on personal loans for various purposes, including debt consolidation and education expenses. The platform's innovative model seeks to improve the borrowing experience by offering competitive rates and faster approval times compared to traditional banks.