Upstart Launches T-Prime to Reach Super Prime Borrowers

Author

Slice of Finance Team
28 Oct

Key Highlights:

  • T-Prime targets super prime borrowers with credit scores over 720.

  • 14 lenders already onboard the Upstart Referral Network for T-Prime.

  • Instant approvals and competitive rates powered by Upstart’s AI technology.

  • Nationwide access to T-Prime loans via Upstart and soon on partner sites.

Notable Quotes:

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“Our goal at Upstart is to offer the best rates and best borrowing process to all Americans—regardless of their credit score.”

Dave Girouard, CEO at Upstart
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“By partnering with Upstart in T-Prime, we’re able to offer best-in-class loan options, providing more flexibility, better rates, and broader access, nationwide.”

Dennis Devine, President and CEO at Alliant Credit Union

Our Take:

Upstart’s T-Prime program is a strategic expansion that reinforces its AI-driven approach by widening access to a previously underserved but profitable segment. By focusing on “super prime” borrowers with credit scores above 720, Upstart is positioning its lenders to compete against fintechs and large banks traditionally dominant in this market. The move highlights the evolving focus of AI-powered platforms, allowing financial institutions of all sizes to compete by delivering quick, document-free loan approvals and highly competitive rates. Upstart’s broadened reach through T-Prime will likely intensify competition, especially among established lenders in the high-credit-score segment.