Short-term relief

Problem

Millions of Americans with limited or poor credit struggle to cover unexpected expenses, and even routine ones can feel out of reach. When they need help, traditional lenders say no, and payday lenders say yes at a steep and hidden cost.

Solution

We built a small-dollar loan product that truly delivers on Upstart’s mission to expand access to affordable credit. Designed with radical transparency and flexible repayments, we’re able to get more people the money they need—in seconds.

Outcome

The small-dollar relief product expanded Upstart’s reach to underserved consumers by increasing our total borrower base by 20% YoY. We saw a 15% funnel conversion increase over our flagship product and were able to reduce the cost-per loan by $15.