The Upstart Credit Decision API allows you to utilize an existing application flow with Upstart’s AI powered service, to support real-time decisions, APRs, and AANs for your auto loan, personal loan, or student loan program. This includes the ability to configure a credit policy, predict default and control your economics and others. It provides a way to set more than 15 criteria for a minimum credit score, maximum debt to income ratio and loan sizes, estimate the probability and timing of default, configure rates to meet your desired return on assets tailored to your risk and more. Upstart’s services enhance credit decisioning to drive growth and reduce risks for customers that supports Auto, Personal, and Student Loans. Upstart is an AI lending platform that partners with banks to manage access to affordable credit.