MyPoint Credit Union partners with Upstart to expand AI-powered personal lending
MyPoint Credit Union partners with Upstart to expand AI-powered personal lending, announcing that the San Diego-based community financial institution has joined Upstart’s Referral Network to deliver modern, all-digital personal loan offers to qualified consumers who meet MyPoint’s credit criteria.
The collaboration enables MyPoint to grow beyond its traditional lending channels and reach a broader audience while providing members and prospective borrowers with a streamlined, digital borrowing experience backed by Upstart’s artificial intelligence-driven lending marketplace.
Expanded Lending Access Through the Upstart Referral Network
MyPoint Credit Union began offering personal loans via the Upstart Referral Network in September 2025, leveraging Upstart’s technology to attract qualified loan applicants and transition them into a MyPoint-branded online application and closing experience.
Under this arrangement, individuals who apply through Upstart.com and meet MyPoint’s internal credit policies receive tailored loan offers and can complete their member application and loan closing process directly with MyPoint combining the AI-driven efficiency of Upstart’s platform with the credit union’s financial and community focus.
A Modern, Streamlined Borrowing Experience
By partnering with Upstart, MyPoint Credit Union enhances its lending capabilities with a digital-first experience that reflects the preferences of today’s borrowers. The AI technology supporting the referral network automates much of the underwriting and approval process, helping reduce time to decision and simplify the application journey for consumers.
According to Peter Butler, Chief Operating Officer at MyPoint Credit Union, the partnership allows the institution to extend its reach across the communities it serves while building lending experiences that are tailored to the needs of modern borrowers.
Benefits for Borrowers and the Credit Union
Enhanced Access to Personal Loans
Through this partnership, MyPoint can serve a wider range of creditworthy individuals by leveraging Upstart’s AI-driven models and automated workflows. Borrowers benefit from faster decisions and streamlined applications, which can help them access funds more efficiently than with traditional lending processes.
Preserving Member-Focused Lending Values
While Upstart provides the technology backbone, MyPoint remains responsible for credit policy decisions and the member relationship. This structure allows the credit union to uphold its mission of serving the financial needs of its members while adopting innovative tools that improve service delivery.
AI-Driven Efficiency
Upstart’s AI platform evaluates multiple data points beyond traditional credit scoring methods, helping identify qualified borrowers who may previously have been overlooked by conventional models. This can lead to more inclusive lending outcomes and support MyPoint’s efforts to expand lending while managing risk effectively.
Strategic Significance for MyPoint Credit Union
The decision to integrate Upstart’s referral network aligns with broader trends in financial services, where credit unions and community banks increasingly adopt AI-enabled solutions to enhance competitiveness and modernize member experiences.
For MyPoint, the partnership not only broadens its lending footprint but also strengthens its digital capabilities, enabling it to compete with larger institutions and fintech rivals by offering user-friendly, technology-enhanced products while maintaining a local, member-centric approach.
What’s Next
As the relationship between MyPoint and Upstart deepens, the credit union may explore additional digital lending and financial products powered by AI further enhancing member access to personalized, fast, and transparent lending solutions.
Borrowers interested in MyPoint’s personal loans via Upstart can expect a friction-reduced application process, responsive support, and access to loan products designed to meet a range of consumer needs from debt consolidation and home improvements to unexpected expenses and other personal financial goals.
By embracing Upstart’s AI-powered lending technology, MyPoint Credit Union strengthens its ability to deliver tomorrow’s lending experiences today serving its communities with rapid, modern financial solutions while preserving the credit union’s member-aligned values.
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