Business Acquisition [Axis]
Business Acquisition [Axis]
Related Party Transactions [Abstract]
Operating Expenses
Operating Expenses, Policy [Policy Text Block]
Operating Expenses, Policy
Principal payments received for loans held-for-investment
Proceeds from Principal Repayments on Loans and Leases Held-for-investment
Payable to investors
Increase (Decrease) In Payable To Investors
Increase (Decrease) In Payable To Investors
Deferred:
Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]
Valuation Technique, Discounted Cash Flow
Valuation Technique, Discounted Cash Flow [Member]
Consecutive trading days
Debt Instrument, Convertible, Threshold Consecutive Trading Days
Debt Instrument [Axis]
Debt Instrument [Axis]
Total property, equipment, and software
Property, Plant and Equipment, Gross
Loan premium and loan trailing fees recognized
Loan Premium Fees and Loan Trailing Fees
Loan Premium Fees and Loan Trailing Fees
10% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Fair Value Measurement
Fair Value of Financial Instruments, Policy [Policy Text Block]
Additional paid-in capital
Additional Paid in Capital
Basis spread on variable rate
Debt Instrument, Basis Spread on Variable Rate
Depreciation
Depreciation
Issuance of common stock upon exercise of stock options (in shares)
Options exercised (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period
Issuance of common stock upon settlement of restricted stock units (in shares)
Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures
Weighted-average discount rate
Operating Lease, Weighted Average Discount Rate, Percent
Stated interest rate
Debt Instrument, Interest Rate, Stated Percentage
Valuation Approach and Technique [Axis]
Valuation Approach and Technique [Axis]
Sale of loans
Servicing Liability at Fair Value, Additions
Issuance of common stock in connection with an acquisition (in shares)
Stock Issued During Period, Shares, Acquisitions
Non-cash interest expense
Other Noncash Income (Expense)
State
Current State and Local Tax Expense (Benefit)
Cash paid for income taxes
Income Taxes Paid
Beginning balance (in shares)
Ending balance (in shares)
Temporary Equity, Shares Outstanding
Exercise of convertible preferred stock warrant into preferred stock and issuance of common stock upon initial public offering
Exercise Of Convertible Preferred Stock Warrant, Value
Exercise Of Convertible Preferred Stock Warrant, Value
200 basis point increase
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates
Measurement Input Type [Domain]
Measurement Input Type [Domain]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Total (in shares)
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount
Shares held in escrow (in shares)
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable, Share Held In Escrow
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable, Share Held In Escrow
Thereafter
Lessee, Operating Lease, Liability, to be Paid, after Year Five
Equity Component [Domain]
Equity Component [Domain]
Subsequent Event Type [Domain]
Subsequent Event Type [Domain]
Discount rate
Measurement Input, Discount Rate [Member]
Tax positions related to the current year
Unrecognized Tax Benefits, Increase Resulting from Current Period Tax Positions
Maximum estimate of potential loss
Loss Contingency, Estimate of Possible Loss
2023
Long-term and Short-term Debt, Maturity, Year One
Long-term and Short-term Debt, Maturity, Year One
Valuation Approach and Technique [Domain]
Valuation Approach and Technique [Domain]
Related Party [Domain]
Related Party [Domain]
Fair value sensitivity of loan servicing assets and liabilities to adverse changes in key assumptions
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table Text Block]
Loan Held For Sale
Loan Held For Sale [Member]
Loan Held For Sale
Value of common stock transferred (in dollars per share)
Business Acquisition, Share Price
Tax Credit Carryforward, Name [Domain]
Tax Credit Carryforward, Name [Domain]
Supplemental disclosures of cash flow information
Supplemental Cash Flow Information [Abstract]
Paycheck Protection Program Loan, CARES Act
Paycheck Protection Program Loan, CARES Act [Member]
Paycheck Protection Program Loan, CARES Act
Stockholder ownership (percent)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Stockholder Ownership
Share-based Compensation Arrangement by Share-based Payment Award, Options, Stockholder Ownership
Unrecognized stock-based compensation expense
Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount
Plan Name [Domain]
Plan Name [Domain]
Entity Address, State or Province
Entity Address, State or Province
Pledged Status [Axis]
Pledged Status [Axis]
Incentive Stock Option
Incentive Stock Option [Member]
Incentive Stock Option
Shares available for issuance under ESPP
Purchase rights committed under the ESPP
Employee Stock [Member]
Options outstanding
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term
Loan servicing assets
Fair value of loan servicing assets
Fair value, beginning balance
Fair value, ending balance
Loan servicing assets (at fair value)
Servicing Asset at Fair Value, Amount
Award Type [Axis]
Award Type [Axis]
Accrued expenses and other liabilities at fair value
Accrued Expenses And Other Liabilities, Fair Value Disclosure
Accrued Expenses And Other Liabilities, Fair Value Disclosure
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Table]
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Table]
Purchase period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]
Total payments due
Outstanding borrowings
Total
Long-term and Short-term Debt, Gross
Long-term and Short-term Debt, Gross
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity, Not Primary Beneficiary [Member]
Total liabilities
Liabilities
Liabilities
Percentage of the last reported sale price
Debt Instrument, Convertible, Maximum Percentage Of Product Of Last Reported Sale Price And Conversion Rate
Debt Instrument, Convertible, Maximum Percentage Of Product Of Last Reported Sale Price And Conversion Rate
Conversion Period Two
Conversion Period Two [Member]
Conversion Period Two
Weighted-average remaining lease term (in years)
Operating Lease, Weighted Average Remaining Lease Term
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Schedule of shares and warrants reserved for issuance
Schedule of Class of Stock and Warrants or Rights [Table Text Block]
Schedule of Class of Stock and Warrants or Rights
Cash flows from investing activities
Net Cash Provided by (Used in) Investing Activities [Abstract]
Increase (Decrease) in Temporary Equity [Roll Forward]
Increase (Decrease) in Temporary Equity [Roll Forward]
Entity Common Stock, Shares Outstanding
Entity Common Stock, Shares Outstanding
Fair Value Hierarchy and NAV [Domain]
Fair Value Hierarchy and NAV [Domain]
Revolving Credit Facility
Revolving Credit Facility [Member]
Schedule of Borrowings [Line Items]
Schedule of Borrowings [Line Items]
Schedule of Borrowings [Line Items]
Current:
Current Income Tax Expense (Benefit), Continuing Operations [Abstract]
Document Type
Document Type
Weighted-Average Exercise Price Per Share
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate [Member]
Estimated useful lives
Property, Plant and Equipment, Useful Life
Options cancelled and forfeited (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures and Expirations in Period
Assets
Assets, Fair Value Disclosure [Abstract]
Finite-Lived Intangible Assets, Major Class Name [Domain]
Finite-Lived Intangible Assets, Major Class Name [Domain]
Gain on loan servicing arrangement, net
Gain (Loss) On Loan Servicing Arrangements And Sale Of Noncontrolling Interests, Net
Gain (Loss) On Loan Servicing Arrangements And Sale Of Noncontrolling Interests, Net
Unvested (in dollars per share)
Beginning balance (in dollars per share)
Ending balance (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value
Loans held-for-investment
Loans Held-For-Investment, Fair Value Disclosure
Loans Held-For-Investment, Fair Value Disclosure
Total deferred tax expense
Deferred Income Tax Expense (Benefit)
Purchase of notes receivable and residual certificates
Payments to Acquire Notes Receivable
Prodigy Software, Inc.
Prodigy Software, Inc. [Member]
Prodigy Software, Inc.
Developed technology
Developed Technology Rights [Member]
Loans > 90 Days Past Due
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Proceeds from exercise of convertible preferred stock warrants
Proceeds from Warrant Exercises
Changes in fair value recorded in earnings
Changes in fair value recorded in earnings
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings
ULT Warehouse Credit Facility - Committed
ULT Warehouse Credit Facility - Committed [Member]
ULT Warehouse Credit Facility - Committed
Tranche one
Share-Based Payment Arrangement, Tranche One [Member]
Debt Disclosure [Abstract]
Income Statement Location [Axis]
Income Statement Location [Axis]
Accrued payroll
Employee-related Liabilities
Thereafter
Long-term and Short-term Debt, Maturity, After Year Five
Long-term and Short-term Debt, Maturity, After Year Five
Net cash provided by financing activities
Net Cash Provided by (Used in) Financing Activities
Accounting Policies [Abstract]
Customer operations
Customer Operations [Member]
Customer Operations
Convertible notes payable
Convertible Notes Payable
Variable lease payments
Variable Lease, Cost
Collection agency fees
Collection Agency Fees [Member]
Collection Agency Fees
Stockholders’ equity:
Stockholders' Equity Attributable to Parent [Abstract]
Customer [Axis]
Customer [Axis]
Stock options fair value assumptions
Schedule of Share-Based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]
Variable Interest Entity or Potential VIE, Information Unavailability, Disclosures [Abstract]
Variable Interest Entity or Potential VIE, Information Unavailability, Disclosures [Abstract]
Balance Sheet Components
Supplemental Balance Sheet Disclosures [Text Block]
Summary of income tax expense (benefit)
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]
Period of recognition
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition
ULT Warehouse Credit Facility - Uncommitted
ULT Warehouse Credit Facility - Uncommitted [Member]
ULT Warehouse Credit Facility - Uncommitted
Options exercisable
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]
Restructuring Plan [Domain]
Restructuring Plan [Domain]
Acquired intangible assets
Schedule of Finite-Lived Intangible Assets [Table Text Block]
Cash paid to common and preferred stockholders, warrant holders, and vested option holders
Payments to Acquire Businesses, Gross
Assets and liabilities measured at fair value
Fair Value, by Balance Sheet Grouping [Table Text Block]
Purchase of non-marketable equity securities
Payments to Acquire Other Investments
Entity Registrant Name
Entity Registrant Name
Subsequent Events
Subsequent Events [Text Block]
Dividend yield
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Dividend Rate
Trailing fees liability, measurement input
Trailing Fees Liability, Measurement Input
Trailing Fees Liability, Measurement Input
Debt Instrument Conversion [Axis]
Debt Instrument Conversion [Axis]
Debt Instrument Conversion
Public Stock Offering
Public Stock Offering [Member]
Public Stock Offering
Reduced Stock Based Compensation Expense
Reduced Stock Based Compensation Expense [Member]
Reduced Stock Based Compensation Expense
Leases [Abstract]
January 2023 Plan
January 2023 Plan [Member]
January 2023 Plan
Net operating loss carryforwards
Deferred Tax Assets, Operating Loss Carryforwards
Basis of Consolidation
Consolidation, Policy [Policy Text Block]
Annual increase, percent of outstanding shares (percent)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized, Annual Increase, Percent Of Outstanding Shares
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized, Annual Increase, Percent Of Outstanding Shares
Asset Class [Domain]
Asset Class [Domain]
Total interest income and fair value adjustments, net
Revenue Not from Contract with Customer
Minimum
Minimum [Member]
Initial conversion rate (in shares)
Debt Instrument, Convertible, Conversion Ratio
Realized gain (loss) on sale of loans, net
Realized Gain (Loss) on Transfer Of Loans, Net
Realized Gain (Loss) on Transfer Of Loans, Net
Entity Emerging Growth Company
Entity Emerging Growth Company
Common stock, par value (in dollars per share)
Common Stock, Par or Stated Value Per Share
Stock-based compensation
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Share-Based Payment Arrangement, Amount
Commitments and Contingencies Disclosure [Abstract]
Fair Value Measurement
Fair Value Disclosures [Text Block]
Trading Symbol
Trading Symbol
Entity File Number
Entity File Number
Stock repurchased and retired during period, average cost per share (in dollars per share)
Treasury Stock Acquired, Average Cost Per Share
Conversion of convertible preferred stock to common stock upon initial public offering (in shares)
Temporary Equity, Shares, Conversion of Convertible Securities
Temporary Equity, Shares, Conversion of Convertible Securities
2026
Finite-Lived Intangible Asset, Expected Amortization, Year Four
Customer B
Customer B [Member]
Customer B
Fair Value by Liability Class [Domain]
Fair Value by Liability Class [Domain]
Total interest income and fair value adjustments, net
Interest Income And Fair Value Adjustment, Net
Interest Income And Fair Value Adjustment, Net
RSUs granted (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period
Concentration Risk Benchmark [Axis]
Concentration Risk Benchmark [Axis]
Use of Estimates
Use of Estimates, Policy [Policy Text Block]
Acquisitions
Business Combination Disclosure [Text Block]
Total purchase consideration
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net
Fair value, beginning balance
Fair value, ending balance
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability Value
Schedule of Variable Interest Entities [Table]
Schedule of Variable Interest Entities [Table]
Concentration risk (in percent)
Concentration Risk, Percentage
Capitalized cost amortization term
Capitalized Contract Cost, Amortization Period
Expected volatility, maximum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Maximum
Income Taxes
Income Tax Disclosure [Text Block]
2012 Equity Incentive Plan
2012 Equity Incentive Plan [Member]
2012 Equity Incentive Plan
Credit Facility [Domain]
Credit Facility [Domain]
Trailing Fee Liabilities
Trailing Fee Liabilities [Member]
Trailing Fee Liabilities
Net income (loss) attributable to Upstart Holdings, Inc. common stockholders per share, basic (in dollars per share)
Net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, basic (in dollars per share)
Earnings Per Share, Basic
Minimum required service period
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Requisite Service Period
Customer A
Customer A [Member]
Customer A
Distributions made to noncontrolling interests
Payments to Noncontrolling Interests
Schedule of Servicing Liabilities at Fair Value [Table]
Schedule of Servicing Liabilities at Fair Value [Table]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due [Line Items]
Platform and referral fees, net
Platform And Referral Fees, Net [Member]
Platform And Referral Fees, Net
Entity Interactive Data Current
Entity Interactive Data Current
Notes receivable and residual certificates (at fair value)
Notes Receivable And Residual Certificates [Member]
Notes Receivable And Residual Certificates
Property, Plant and Equipment [Table]
Property, Plant and Equipment [Table]
Net changes in operating assets and liabilities:
Increase (Decrease) in Operating Capital [Abstract]
Stock-based compensation expense
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Table Text Block]
Receivable Type [Axis]
Receivable Type [Axis]
Schedule of collection agency and borrower fees
Schedule Of Fees And Commissions [Table Text Block]
Schedule Of Fees And Commissions
Repurchases of common stock
Payments for Repurchase of Common Stock
Class of Stock [Axis]
Class of Stock [Axis]
Income Taxes
Income Tax, Policy [Policy Text Block]
Operating Loss Carryforwards [Line Items]
Operating Loss Carryforwards [Line Items]
Loans Held For Investment
Loans Held For Investment [Member]
Loans Held For Investment
Retained earnings (accumulated deficit)
Retained Earnings (Accumulated Deficit)
10% market-servicing rates increase
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Increase In Market-Servicing Rates
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Increase In Market-Servicing Rates
Net proceeds from sale of the notes
Proceeds from Convertible Debt
Schedule of Finite-Lived Intangible Assets [Table]
Schedule of Finite-Lived Intangible Assets [Table]
Options exercisable, Weighted average exercise price per share (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price
Related Party Transactions
Related Party Transactions Disclosure [Text Block]
Customer operations
Customer Operations Expense
Customer Operations Expense
Repurchase period
Share-based Compensation Arrangement by Share-based Payment Award, Repurchase Period
Share-based Compensation Arrangement by Share-based Payment Award, Repurchase Period
Document Fiscal Year Focus
Document Fiscal Year Focus
Cash flows from operating activities
Net Cash Provided by (Used in) Operating Activities [Abstract]
Fair Value Measurement Inputs and Valuation Techniques [Table]
Fair Value Measurement Inputs and Valuation Techniques [Table]
Capitalized research and experimental expenditures
Deferred Tax Assets, in Process Research and Development
Fair Value Hierarchy and NAV [Axis]
Fair Value Hierarchy and NAV [Axis]
Loss Contingencies [Table]
Loss Contingencies [Table]
Total current tax expense
Current Income Tax Expense (Benefit)
Impairment of Long-Lived Assets
Impairment or Disposal of Long-Lived Assets, Policy [Policy Text Block]
Shares of preferred stock purchased (in shares)
Stock Warrants, Purchase of Preferred Shares, Shares
Stock Warrants, Purchase of Preferred Shares, Shares
Options vested and expected to vest, Weighted Average Exercise Price Per Share (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price
Stock-based compensation
Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-Based Compensation Cost
Non-marketable equity securities
Equity Securities without Readily Determinable Fair Value, Amount
Common stock, outstanding (in shares)
Beginning balance (in shares)
Ending balance (in shares)
Common Stock, Shares, Outstanding
Goodwill
Goodwill
Goodwill
Long-Lived Tangible Asset [Axis]
Long-Lived Tangible Asset [Axis]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
(Benefit) provision for income taxes
(Benefit) provision for income taxes
Income Tax Expense (Benefit)
Less: valuation allowance
Deferred Tax Assets, Valuation Allowance
Entity Public Float
Entity Public Float
Consecutive trading days
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Performance Measurement, Average Stock Price, Consecutive Trading Days
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Performance Measurement, Average Stock Price, Consecutive Trading Days
Annual increase (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized, Annual Increase
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized, Annual Increase
Accumulated depreciation and amortization
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment
Accrued interest income
Financing Receivable, Accrued Interest, after Allowance for Credit Loss
Loss Contingencies [Line Items]
Loss Contingencies [Line Items]
Internally Developed Software
Internal Use Software, Policy [Policy Text Block]
Off-Balance Sheet Loans
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]
Accounts Receivable
Accounts Receivable [Member]
Deposits
Deposits Assets
2026
Long-term and Short-term Debt, Maturity, Year Four
Long-term and Short-term Debt, Maturity, Year Four
Common stock, $0.0001 par value; 700,000,000 shares authorized; 83,659,665 and 81,259,676 shares issued and outstanding as of December 31, 2021 and December 31, 2022, respectively
Common Stock, Value, Issued
Debt Instrument, Name [Domain]
Debt Instrument, Name [Domain]
Business Acquisition, Acquiree [Domain]
Business Acquisition, Acquiree [Domain]
Other assets
Other Assets, Miscellaneous
Reduced Employee Expenses
Reduced Employee Expenses [Member]
Restricted stock issued (in shares)
Stock Issued During Period, Shares, Restricted Stock Award, Gross
Initial conversion price (in dollars per share)
Debt Instrument, Convertible, Conversion Price
Schedule of antidilutive securities excluded from computation of earnings per share
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table Text Block]
Net fair value and accrued interest adjustments
Financing Receivable, Allowance for Credit Loss
Variable Interest Entity [Line Items]
Variable Interest Entity [Line Items]
Cash and restricted cash at beginning of year
Cash and restricted cash at end of year
Total cash and restricted cash
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents
Less: Tenant improvement receivables
Lessee Operating Lease Liability Tenant Improvement Receivable
Lessee Operating Lease Liability Tenant Improvement Receivable
Proceeds from exercise of stock options
Proceeds from Stock Options Exercised
Other
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount
Options vested and expected to vest
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term
Primary Beneficiary
Primary Beneficiary [Member]
Primary Beneficiary
Total Upstart Holdings, Inc. Stockholders’ Equity (Deficit)
Parent [Member]
Income Statement Location [Domain]
Income Statement Location [Domain]
Loans held-for-sale
Loans Held-for-sale, Fair Value Disclosure
Accrued expenses
Accrued Liabilities
Amendment Flag
Amendment Flag
Rent expense
Operating Lease, Cost
Weighted-Average Remaining Useful Life (Years)
Finite-Lived Intangible Assets, Remaining Amortization Period
Rollforward of level 3 liabilities
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]
Less: noncumulative dividends to preferred stockholders
Preferred Stock Dividends, Income Statement Impact
Goodwill and Intangible Assets Disclosure [Abstract]
Deferred tax liability, net
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Liabilities
Fair value of assumed Prodigy options attributable to pre-combination service period
Business Combination, Consideration Transferred, Assumed Options Attributable To Pre-Combination Services
Business Combination, Consideration Transferred, Assumed Options Attributable To Pre-Combination Services
Goodwill and Intangible Assets
Goodwill and Intangible Assets, Policy [Policy Text Block]
Weighted-Average Remaining Contractual Life (years)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]
Options exercisable (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Number
Depreciation and amortization
Depreciation, Depletion and Amortization
ESPP purchase price of common stock, percent of market price
Share-Based Compensation Arrangement by Share-Based Payment Award, Purchase Price of Common Stock, Percent
Monthly unused fee (in percent)
Line of Credit Facility, Unused Capacity, Commitment Fee Percentage
Thereafter
Finite-Lived Intangible Asset, Expected Amortization, after Year Five
Counterparty Name [Axis]
Counterparty Name [Axis]
Unvested PRSUs
Performance Restricted Stock Units (PRSU's) [Member]
Performance Restricted Stock Units (PRSU's)
Components of interest income and fair value adjustments, net
Interest Income and Interest Expense Disclosure [Table Text Block]
Warehouse credit facilities
Warehouse Credit Facility [Member]
Warehouse Credit Facility
Acquisition-related intangible assets
Fair values (in thousands)
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles
Entity Incorporation, State or Country Code
Entity Incorporation, State or Country Code
Operating lease liability and right-of-use asset
Increase (Decrease) In Operating Lease Liability And Right of Use Asset
Increase (Decrease) In Operating Lease Liability And Right of Use Asset
Cash paid for amounts included in the measurement of lease liabilities
Cash paid for amounts included in the measurement of lease liabilities
Operating Lease, Payments
Options issued and outstanding
Options to purchase common stock
Share-Based Payment Arrangement, Option [Member]
Expected volatility
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate
Issuance of common stock upon exercise of stock options
Stock Issued During Period, Value, Stock Options Exercised
Common stock, authorized (in shares)
Common Stock, Shares Authorized
Total operating expenses
Operating Expenses
Maximum
Maximum [Member]
Incentive share expense
APIC, Incentive Share Expense, Increase for Cost Recognition
APIC, Incentive Share Expense, Increase for Cost Recognition
Other Assets [Abstract]
Trailing fee liability (at fair value)
Trailing Fee Liability At Fair Value, Amount
Trailing Fee Liability At Fair Value, Amount
Schedule of Business Acquisitions, by Acquisition [Table]
Schedule of Business Acquisitions, by Acquisition [Table]
Stock repurchased and retired during period, value (in dollars per share)
Stock Repurchased and Retired During Period, Value
Effects on Future Earnings and Cash Flows Resulting from Exit Plan [Axis]
Effects on Future Earnings and Cash Flows Resulting from Exit Plan [Axis]
Borrower fees
Borrower Fees [Member]
Borrower Fees
Business Acquisition [Line Items]
Business Acquisition [Line Items]
Loan Servicing Liabilities
Loan Servicing Liabilities [Member]
Loan Servicing Liabilities
Operating Loss Carryforwards [Table]
Operating Loss Carryforwards [Table]
10% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Prepayment Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Prepayment Rates
Trading days
Debt Instrument, Convertible, Threshold Trading Days
Variable Interest Entities
Consolidation, Variable Interest Entity, Policy [Policy Text Block]
Repurchase and retirement of restricted stock (in shares)
Stock repurchased and retired during period (in shares)
Stock Repurchased and Retired During Period, Shares
Title of 12(b) Security
Title of 12(b) Security
Unrealized gain (loss), charge-offs, and other adjustments, net
Unrealized Gain (Loss), Charge-Offs, And Other Fair Value Adjustments, Net
Unrealized Gain (Loss), Charge-Offs, And Other Fair Value Adjustments, Net
Unrecognized tax benefits roll forward
Schedule of Unrecognized Tax Benefits Roll Forward [Table Text Block]
Subsequent Event [Line Items]
Subsequent Event [Line Items]
Principal payments received for loans held-for-sale
Proceeds from Collection of Loans Held-for-sale
Notes receivable and residual certificates (at fair value)
Other Receivables
Net deferred tax liabilities
Deferred Tax Liabilities, Net
Liabilities and Stockholders’ Equity
Liabilities and Equity [Abstract]
Options cancelled and forfeited (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price
Servicing Assets at Fair Value [Line Items]
Servicing Assets at Fair Value [Line Items]
Income Tax Authority [Axis]
Income Tax Authority [Axis]
Unamortized debt discount
Debt Instrument, Unamortized Discount
Options vested and expected to vest – December 31, 2022
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value
Conversion price maximum threshold
Debt Instrument, Convertible, Threshold Percentage of Stock Price Trigger
Loans
Fair value of loans
Aggregate fair value of loans purchased and held by UAWT
Loans Receivable, Fair Value Disclosure
Incentive Stock Options and Non-Statutory Stock Options
Incentive Stock Options and Non-Statutory Stock Options [Member]
Incentive Stock Options and Non-Statutory Stock Options
Proceeds from secondary offering, net of underwriting discounts, commissions, and offering costs
Proceeds from Issuance of Common Stock
Weighted-average number of shares outstanding used in computing net income per share (loss) attributable to Upstart Holdings, Inc. common stockholders, basic (in shares)
Weighted-average common shares outstanding used to calculate net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, basic (in shares)
Weighted Average Number of Shares Outstanding, Basic
Schedule of financial assets and liabilities from variable interest entities
Schedule of Variable Interest Entities [Table Text Block]
Weighted-Average Cost Of Commercial Paper Notes Issued By The Lender
Weighted-Average Cost Of Commercial Paper Notes Issued By The Lender [Member]
Weighted-Average Cost Of Commercial Paper Notes Issued By The Lender
Loans on non-accrual status
Financing Receivable, Threshold Period Past Due
Aggregate Intrinsic Value
Share Based Compensation Arrangement By Share Based Payment Award Options Aggregate Intrinsic Value [Abstract]
Share Based Compensation Arrangement By Share Based Payment Award Options Aggregate Intrinsic Value
Related party interest expense
Interest Expense, Related Party
Restricted Stock
Restricted Stock [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment [Line Items]
Schedule of aggregate principal outstanding of all loans
Schedule of Debt [Table Text Block]
General, administrative, and other
General and Administrative Expense [Member]
Entity Well-known Seasoned Issuer
Entity Well-known Seasoned Issuer
Auto Loans
Auto Loans [Member]
Auto Loans
Rollforward of level 3 assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]
Leases
Lessee, Leases [Policy Text Block]
Fair Value, Inputs, Level 3
Fair Value, Inputs, Level 3 [Member]
Stockholders’ Equity
Share-Based Payment Arrangement [Text Block]
Income from capital market program, net
Income From Capital Market Program
Income From Capital Market Program
Noncontrolling Interest
Noncontrolling Interest [Member]
Deferred tax assets and liabilities
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]
Trailing fee liabilities
Trailing Fee Liabilities, Fair Value Disclosure
Trailing Fee Liabilities, Fair Value Disclosure
Related Party [Axis]
Related Party [Axis]
Loan Servicing Assets and Liabilities
Transfers and Servicing of Financial Assets, Servicing of Financial Assets, Policy [Policy Text Block]
Repayments and settlements
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Acquisition, net of cash acquired
Payments to Acquire Businesses, Net of Cash Acquired
Issuances
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Issuances
Principal payments received for notes receivable and repayments of residual certificates
Proceeds from Collection of Notes Receivable
Expected tax deductible portion of goodwill
Business Acquisition, Goodwill, Expected Tax Deductible Amount
Fair Value, Inputs, Level 2
Fair Value, Inputs, Level 2 [Member]
Purchase of capped calls
Adjustments To Additional Paid In Capital Purchase Of Capped Call Transactions
Adjustments To Additional Paid In Capital Purchase Of Capped Call Transactions
Current Fiscal Year End Date
Current Fiscal Year End Date
Exercise price less than percent of estimated fair value (percent)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercise Price As A Percent of Estimated Fair Value
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercise Price As A Percent of Estimated Fair Value
Purchases of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, net
Intangible Assets, Net (Excluding Goodwill)
Tranche two
Share-Based Payment Arrangement, Tranche Two [Member]
Servicing rights
Deferred Tax Liabilities, Mortgage Servicing Rights
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Concentration Risk Type [Axis]
Concentration Risk Type [Axis]
Risk free rate, minimum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Minimum
Reclassification of common stock warrant liability related to cashless exercise
Reclassification Of Common Stock Warrant Liability Related To Cashless Exercise
Reclassification Of Common Stock Warrant Liability Related To Cashless Exercise
Changes in fair value recorded in earnings
Servicing Asset At Fair Value, Gain (Loss) Included In Earnings
Servicing Asset At Fair Value, Gain (Loss) Included In Earnings
Customer Concentration Risk
Customer Concentration Risk [Member]
Repurchase option (in percent)
Share-based Compensation Arrangement by Share-based Payment Award, Repurchase Option, Percentage
Share-based Compensation Arrangement by Share-based Payment Award, Repurchase Option, Percentage
Accounts payable
Accounts Payable
Risk free rate, maximum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Maximum
Customers accounting for greater than 10% of accounts receivable
Schedule of Revenue by Major Customers by Reporting Segments [Table Text Block]
Schedule of Servicing Assets at Fair Value [Table]
Schedule of Servicing Assets at Fair Value [Table]
Income Tax Authority [Domain]
Income Tax Authority [Domain]
Over-Allotment Option
Over-Allotment Option [Member]
Payments made on securitization notes and certificates
Payments made on securitization notes and certificates
Payments Made On Securitization Notes and Certificates
Payments Made On Securitization Notes and Certificates
Increase in valuation allowance
Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount
Fair Value Disclosures [Abstract]
Loans (at fair value)
Loans Receivable [Member]
Average effect on fair value of a 100 basis point increase in discount rates
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates, Average
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates, Average
Incentive share expense
Incentive Fee Expense
Credit Facility [Axis]
Credit Facility [Axis]
Subsequent Event [Table]
Subsequent Event [Table]
RSUs vested (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period
Purchase of capped calls
Purchase of capped calls
Payments For Capped Calls
Payments For Capped Calls
Entity Tax Identification Number
Entity Tax Identification Number
Number of shares authorized (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized
PPP loan forgiveness (CARES Act)
Effective Income Tax Rate Reconciliation, CARES ACT, PPP Loan Forgiveness, Amount
Effective Income Tax Rate Reconciliation, CARES ACT, PPP Loan Forgiveness, Amount
2027
Long-term and Short-term Debt, Maturity, Year Five
Long-term and Short-term Debt, Maturity, Year Five
Credit risk rate
Measurement Input, Entity Credit Risk [Member]
Schedule of Short-term Debt [Table]
Schedule of Short-Term Debt [Table]
Maximum advance rate
Debt Instrument, Maximum Advance Rate, Percent Of Outstanding Principal Held
Debt Instrument, Maximum Advance Rate, Percent Of Outstanding Principal Held
Stock-based compensation expense
APIC, Share-Based Payment Arrangement, Option, Increase for Cost Recognition
Consolidated Entities [Domain]
Consolidated Entities [Domain]
Shares withheld related to net share settlement of restricted stock units (in shares)
Share-Based Payment Arrangement, Shares Withheld for Tax Withholding Obligation
Schedule of effective tax rates
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
Change in cash and restricted cash
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect
State income taxes, net of federal tax benefit
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount
Entity Central Index Key
Entity Central Index Key
Antidilutive Securities, Name [Domain]
Antidilutive Securities, Name [Domain]
Finite-Lived Intangible Assets by Major Class [Axis]
Finite-Lived Intangible Assets by Major Class [Axis]
Shares withheld related to net share settlement of restricted stock units
Share-Based Payment Arrangement, Decrease for Tax Withholding Obligation
Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]
Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]
Total purchase consideration
Consideration transferred
Business Combination, Consideration Transferred
Measurement Input Type [Axis]
Measurement Input Type [Axis]
Capitalized internally developed software balances, net of accumulated amortization
Capitalized Computer Software, Net
Transfer of Financial Assets
Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Policy [Policy Text Block]
City Area Code
City Area Code
Assets
Assets
Assets [Abstract]
Period of payment deferral
Loan Payment Deferral Period, CARES Act
Loan Payment Deferral Period, CARES Act
Servicing liabilities at fair value rollforward
Schedule of Servicing Liabilities at Fair Value [Table Text Block]
Loan purchase obligation
Purchase Obligation
Capitalized software costs
Payments for Software
Sale of Stock [Axis]
Sale of Stock [Axis]
Servicing assets at fair value rollforward
Schedule of Servicing Assets at Fair Value [Table Text Block]
Initial conversion price (in dollars per share)
Debt Instrument, Convertible, Capped Calls Initial Strike Price
Debt Instrument, Convertible, Capped Calls Initial Strike Price
Asset Class [Axis]
Asset Class [Axis]
Net Income (Loss) Per Share Attributable to Common Stockholders of Upstart Holdings, Inc. Stockholders
Earnings Per Share, Policy [Policy Text Block]
Supplemental disclosures of non-cash investing and financing activities
Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract]
Stock-based compensation
Share-Based Payment Arrangement, Noncash Expense
Weighted average grant date fair value (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value
Variable Rate [Axis]
Variable Rate [Axis]
Purchase of loans held-for-sale
Payments to Purchase Loans Held-for-sale
Purchase of property and equipment
Payments to Acquire Property, Plant, and Equipment
Cash payments held in escrow
Escrow Deposit
Weighted Average
Weighted Average [Member]
2023
Finite-Lived Intangible Asset, Expected Amortization, Year One
Schedule of net income per share attributable to common stockholders
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]
Total right-of-use assets capitalized
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability
Customer [Domain]
Customer [Domain]
Noncontrolling interests
Effective Income Tax Rate Reconciliation, Noncontrolling Interest Income (Loss), Amount
2024
Long-term and Short-term Debt, Maturity, Year Two
Long-term and Short-term Debt, Maturity, Year Two
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Total undiscounted lease payments
Lessee, Operating Lease, Liability, to be Paid
Net income (loss) before attribution to noncontrolling interests
Net income (loss)
Net income (loss) before attribution to noncontrolling interests
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest
Variable Interest Entity, Primary Beneficiary
Variable Interest Entity, Primary Beneficiary [Member]
Customer D
Customer D [Member]
Customer D
Entity Address, Postal Zip Code
Entity Address, Postal Zip Code
Notes Receivable
Notes Receivable [Member]
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Business Combinations
Business Combinations Policy [Policy Text Block]
Maximum borrowing capacity
Line of Credit Facility, Maximum Borrowing Capacity
Receivable [Domain]
Receivable [Domain]
Income Tax Disclosure [Abstract]
Depreciation
Deferred Tax Liabilities, Property, Plant and Equipment
Internally developed software
Software and Software Development Costs [Member]
Number of revenue components
Number Of Components Of Revenue
Number Of Components Of Revenue
Purchase of loans held-for-investment
Payments to Acquire Loans Held-for-investment
Financial Asset, Period Past Due [Domain]
Financial Asset, Aging [Domain]
Changes in fair value recorded in earnings
Servicing Liability At Fair Value, Gain (Loss) Included In Earnings
Servicing Liability At Fair Value, Gain (Loss) Included In Earnings
Asset Pledged as Collateral
Asset Pledged as Collateral [Member]
Statistical Measurement [Domain]
Statistical Measurement [Domain]
Proceeds from borrowings
Proceeds from Issuance of Debt
Share-Based Payment Arrangement [Abstract]
Conversion of convertible preferred stock to common stock upon initial public offering
Stock Issued During Period, Value, Conversion of Convertible Securities
Summary of total consideration
Schedule of Business Acquisitions, by Acquisition [Table Text Block]
Federal
Domestic Tax Authority [Member]
Repayments of borrowings
Repayments of debt
Repayments of Debt
UAWT Warehouse Credit Facility
UAWT Warehouse Credit Facility [Member]
UAWT Warehouse Credit Facility
Net income (loss) before attribution to noncontrolling interests
Net income (loss) attributable to Upstart Holdings, Inc. common stockholders
Net Income (Loss) Attributable to Parent
Employee stock purchase plan fair value assumptions
Schedule of Share-Based Payment Award, Employee Stock Purchase Plan, Valuation Assumptions [Table Text Block]
Greater Than 10% Stockholders
Greater Than 10% Stockholders [Member]
Greater Than 10% Stockholders
Schedule of maturities of all borrowings
Schedule of Maturities of Long-Term Debt [Table Text Block]
Subsequent Event Type [Axis]
Subsequent Event Type [Axis]
Credit risk rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Expected Credit Losses
Redemption price (in percent)
Debt Instrument, Redemption Price, Percentage
Change in valuation allowance
Effective Income Tax Rate Reconciliation, Change in Deferred Tax Assets Valuation Allowance, Amount
Total assets
Assets, Fair Value Disclosure
Restructuring Plan [Axis]
Restructuring Plan [Axis]
Vesting percentage
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage
Leases
Lessee, Operating Leases [Text Block]
Changes in accrued interest and other charges
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Other Increase (Decrease)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Other Increase (Decrease)
Plan Name [Axis]
Plan Name [Axis]
Convertible senior notes
2026 ("Notes")
Twenty Twenty Six Notes [Member]
Twenty Twenty Six Notes
Immediate resale of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Immediate Resale to Investors
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Immediate Resale to Investors
Risk retention funding loan
Risk Retention Funding Loans [Member]
Risk Retention Funding Loans
Statement of Cash Flows [Abstract]
Fair Value, Inputs, Level 1
Fair Value, Inputs, Level 1 [Member]
Sale of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales
Description of Business and Significant Accounting Policies
Basis of Presentation and Significant Accounting Policies [Text Block]
Net cash provided by (used in) operating activities
Net Cash Provided by (Used in) Operating Activities
Expense on warrants and convertible notes, net
Income (Expense) On Warrants And Other Non-Operating Expenses, Net
Income (Expense) On Warrants And Other Non-Operating Expenses, Net
Shares available for future issuance under 2020 plan
2020 Equity Incentive Plan [Member]
2020 Equity Incentive Plan
Summaries of restricted stock units and restricted stock
Share-Based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity [Table Text Block]
Repayments and settlements
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Settlements
Other liabilities
Other Liabilities
Expected restructuring cost
Restructuring and Related Cost, Expected Cost
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Document Annual Report
Document Annual Report
Liability Class [Axis]
Liability Class [Axis]
Sale of loans
Servicing Asset at Fair Value, Additions
Cash
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents
Issuance of common stock upon initial public offering, net of underwriting discounts, commissions, and offering costs
Stock Issued During Period, Value, New Issues
Accrued expenses and other liabilities
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Maximum Exposure to Losses
Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount
Schedule of property, equipment, and software
Property, Plant and Equipment [Table Text Block]
Prepaid expenses
Prepaid Expense
Servicing and other fees, net
Servicing Fees, Net [Member]
Servicing Fees, Net
Beginning balance
Ending balance
Temporary Equity, Carrying Amount, Including Portion Attributable to Noncontrolling Interests
Financial Asset, Period Past Due [Axis]
Financial Asset, Aging [Axis]
Series B
Series B [Member]
Financing Receivable, Past Due [Table]
Financing Receivable, Past Due [Table]
Number of Shares
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Concentration Risk Benchmark [Domain]
Concentration Risk Benchmark [Domain]
Restructuring Type [Axis]
Restructuring Type [Axis]
Financial Instruments not Measured at Fair Value
Financial Instruments Not Measured At Fair Value [Policy Text Block]
Financial Instruments Not Measured At Fair Value
Expected credit loss rates on underlying loans
Expected Credit Loss Rate [Abstract]
Expected Credit Loss Rate
Borrowings
Debt Disclosure [Text Block]
Product and Service [Domain]
Product and Service [Domain]
Entity Shell Company
Entity Shell Company
Additional aggregate principal
Debt Instrument, Additional Aggregate Principal
Debt Instrument, Additional Aggregate Principal
2023
Lessee, Operating Lease, Liability, to be Paid, Year One
Engineering and product development
Engineering And Product Development [Member]
Engineering And Product Development
Affiliate
Affiliated Entity [Member]
Subsequent Event
Subsequent Event [Member]
Revenue Benchmark
Revenue Benchmark [Member]
Document Period End Date
Document Period End Date
Total assets
Assets
Assets
Earnings Per Share [Abstract]
Antidilutive Securities [Axis]
Antidilutive Securities [Axis]
PRSUs outstanding
Performance Shares [Member]
Average effect of fair value of hypothetical 20% adverse change in expected credit loss rates
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates, Average
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates, Average
2027
Lessee, Operating Lease, Liability, to be Paid, Year Five
Options exercised (in dollars per share)
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price
Authorized share repurchase amount
Stock Repurchase Program, Authorized Amount
Issuance of common stock in connection with an incentive agreement (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Incentive Agreement
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Incentive Agreement
Outstanding principal balance
Aggregate outstanding principal of loans pledged as collateral
Financing Receivable, before Allowance for Credit Loss
Issuance of common stock in connection with an incentive agreement
Stock Issued During Period, Value, Stock Options Exercised, Incentive Agreement
Stock Issued During Period, Value, Stock Options Exercised, Incentive Agreement
Amortization of debt issuance costs
Amortization of Debt Issuance Costs and Discounts
20% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Prepayment Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Prepayment Rates
Net Income (Loss) Per Share Attributable to Upstart Holdings, Inc. Common Stockholders
Earnings Per Share [Text Block]
Servicing Liability at Fair Value, Amount [Roll Forward]
Servicing Liability at Fair Value, Amount [Roll Forward]
Fair value of options vested during period
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested in Period, Fair Value
Award Type [Domain]
Award Type [Domain]
Value of restricted stock issued
Stock Issued During Period, Value, Restricted Stock Award, Gross
Computer and networking equipment
Computer Equipment [Member]
Prepayment rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed
Issuance of common stock upon initial public offering, net of underwriting discounts, commissions, and offering costs (in shares)
Stock Issued During Period, Shares, New Issues
Numerator:
Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]
Internally developed software
Software Development [Member]
Share-based compensation expense period of recognition
Share-based Compensation Arrangement by Share-based Payment Award, Expense Recognition Period
Share-based Compensation Arrangement by Share-based Payment Award, Expense Recognition Period
Customer relationships
Customer Relationships [Member]
Entity Address, City or Town
Entity Address, City or Town
Residual certificates retained under unconsolidated securitization
Securities Retained Under Unconsolidated Securitization Transactions
Securities Retained Under Unconsolidated Securitization Transactions
Operating expenses:
Operating Expenses [Abstract]
Increase in unrecognized tax benefits
Unrecognized Tax Benefits, Period Increase (Decrease)
Statement of Financial Position [Abstract]
Auditor Name
Auditor Name
Operating loss carryforwards
Operating Loss Carryforwards
Convertible debt
Convertible Debt Securities [Member]
Reclass of warrant liability upon termination of repurchase obligation
Reclass Of Warrant Liability Upon Termination Of Repurchase Obligation
Reclass Of Warrant Liability Upon Termination Of Repurchase Obligation
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table]
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table]
Engineering and product development
Research and Development Expense
Additions for tax positions of prior years
Unrecognized Tax Benefits, Increase Resulting from Prior Period Tax Positions
Convertible debt transactions
Deferred Tax Asset, Convertible Debt Transactions
Deferred Tax Asset, Convertible Debt Transactions
Underwriting discount
Payments for Underwriting Expense
Proceeds from sale of loans held-for-investment
Proceeds from Sale of Loans Held-for-investment
Variable Interest Entities
Variable Interest Entity Disclosure [Text Block]
Research Tax Credit Carryforward
Research Tax Credit Carryforward [Member]
RSUs outstanding
Unvested RSUs
Restricted Stock Units (RSUs) [Member]
Discount rates
Discount Rate [Abstract]
Discount Rate
Research and development credit
Effective Income Tax Rate Reconciliation, Tax Credit, Research, Amount
Options vested and expected to vest (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number
Loan receivable, measurement input
Loans Receivable, Measurement Input
Loans Receivable, Measurement Input
Subsequent Events [Abstract]
Total revenue
Revenues
State
Deferred State and Local Income Tax Expense (Benefit)
Awards granted (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Non-Option Equity Instruments, Granted
Cash paid for interest
Interest Paid, Excluding Capitalized Interest, Operating Activities
2025
Lessee, Operating Lease, Liability, to be Paid, Year Three
Borrowings
Borrowings
Total borrowings
Debt, Long-Term and Short-Term, Combined Amount
Expected non-cash savings
Effect on Future Earnings, Amount
Conversion Period One
Conversion Period One [Member]
Conversion Period One
Principal payments received for loans held by consolidated securitizations
Proceeds from Principal Repayments On Loans Held By Consolidated Securitizations
Proceeds from Principal Repayments On Loans Held By Consolidated Securitizations
20% market-servicing rates increase
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Increase In Market-Servicing Rates
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Increase In Market-Servicing Rates
Concentration Risk Type [Domain]
Concentration Risk Type [Domain]
Counterparty Name [Domain]
Counterparty Name [Domain]
Sales and marketing
Selling and Marketing Expense
Total stockholders’ equity
Beginning balance
Ending balance
Net Assets
Stockholders' Equity Attributable to Parent
Tax return to tax provision adjustment
Effective Income Tax Rate Reconciliation, Tax Return To Tax Provision Adjustment, Amount
Effective Income Tax Rate Reconciliation, Tax Return To Tax Provision Adjustment, Amount
Tax credit carry forward
Tax Credit Carryforward, Amount
RSUs cancelled and forfeited (in dollars per share)
Forfeited (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value
Financing Receivable Portfolio Segment [Domain]
Financing Receivable Portfolio Segment [Domain]
Vesting [Domain]
Vesting [Domain]
Loans (at fair value)
Loans (at fair value)
Fair value
Financing Receivable, after Allowance for Credit Loss
Other
Deferred Tax Assets, Other
Summarized stock option activity
Schedule of Stock Options Roll Forward [Table Text Block]
Shares sold in offering
Sale of Stock, Number of Shares Issued in Transaction
Accumulated Amortization
Finite-Lived Intangible Assets, Accumulated Amortization
Schedule of Borrowings [Table]
Schedule of Borrowings [Table]
Schedule of Borrowings [Table]
2025
Finite-Lived Intangible Asset, Expected Amortization, Year Three
Retained Earnings (Accumulated Deficit)
Retained Earnings [Member]
Unrecognized stock-based compensation expense related to unvested stock options
Share-Based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount
Common Stock
Common Stock [Member]
Number of reportable segments
Number of Reportable Segments
Operating lease expense and supplemental cash and non-cash information
Lease, Cost [Table Text Block]
Revenue Recognition
Revenue [Policy Text Block]
Statement [Table]
Statement [Table]
RSUs vested (in dollars per share)
Vested (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value
Effective interest rate
Debt Instrument, Interest Rate, Effective Percentage
Customer C
Customer C [Member]
Customer C
Issuance of common stock in connection with acquisition
Stock Issued During Period, Value, Acquisitions
Obligation to Repurchase Loans
Obligation to Repurchase Receivables Sold [Member]
Percent of the principal amount
Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed
Effects on Future Earnings and Cash Flows, by Type of Effect [Domain]
Effects on Future Earnings and Cash Flows, by Type of Effect [Domain]
Furniture and fixtures
Furniture and Fixtures [Member]
Research and development credits
Deferred Tax Assets, Tax Credit Carryforwards, Research
Significant unobservable inputs
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]
Statistical Measurement [Axis]
Statistical Measurement [Axis]
Leasehold improvements
Leasehold Improvements [Member]
Reclassification of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Reclassification
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Reclassification
Convertible preferred stock converted to common stock (in shares)
Convertible Preferred Stock, Shares Issued upon Conversion
Fair value of convertible senior notes
Convertible Debt, Fair Value Disclosures
Equity Components [Axis]
Equity Components [Axis]
Tax Credit Carryforward [Axis]
Tax Credit Carryforward [Axis]
Statement [Line Items]
Statement [Line Items]
Beginning balance (in shares)
Ending balance (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number
Variable Rate [Domain]
Variable Rate [Domain]
Gross Carrying Amount
Finite-Lived Intangible Assets, Gross
Operating lease right of use assets
Operating Lease, Right-of-Use Asset
Shares of common stock transferred (in shares)
Business Combination Consideration Transferred Equity Interests Issued And Issuable, Shares
Business Combination Consideration Transferred Equity Interests Issued And Issuable, Shares
Repurchases of stock
Stock Repurchased During Period, Value
Financing Receivable Portfolio Segment [Axis]
Financing Receivable Portfolio Segment [Axis]
Auditor Firm ID
Auditor Firm ID
Black-Scholes Option Pricing Model
Black-Scholes Option Pricing Model [Member]
Black-Scholes Option Pricing Model
Preferred stock converted to common stock (in shares)
Preferred Stock Converted to Other Securities
Preferred Stock Converted to Other Securities
Type of Restructuring [Domain]
Type of Restructuring [Domain]
Document Transition Report
Document Transition Report
100 basis point increase
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates
Local Phone Number
Local Phone Number
Deferred offering costs
Deferred Offering Costs
Income (loss) from operations
Operating Income (Loss)
Expected cash savings
Effect on Future Cash Flows, Amount
Recently adopted and issued accounting pronouncements
New Accounting Pronouncements, Policy [Policy Text Block]
State
State and Local Jurisdiction [Member]
Accrued expenses and other liabilities (includes $13,095 and $8,820 at fair value as of December 31, 2021 and December 31, 2022, respectively)
Accrued expenses and other liabilities
Total accrued expenses and other liabilities
Accrued Liabilities and Other Liabilities
Denominator:
Weighted Average Number of Shares Outstanding Reconciliation [Abstract]
Total liabilities
Liabilities, Fair Value Disclosure
Repurchases of stock (in shares)
Stock Repurchased During Period, Shares
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Goodwill and Intangible assets
Goodwill and Intangible Assets Disclosure [Text Block]
Property, Equipment, and Software, Net
Property, Plant and Equipment, Policy [Policy Text Block]
2026
Lessee, Operating Lease, Liability, to be Paid, Year Four
Income Statement [Abstract]
Audit Information [Abstract]
Audit Information
Options granted (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross
Federal
Deferred Federal Income Tax Expense (Benefit)
Impairments of long-lived assets
Impairment, Long-Lived Asset, Held-for-Use
Additional Paid-in Capital
Additional Paid-in Capital [Member]
Document Fiscal Period Focus
Document Fiscal Period Focus
Operating lease liabilities
Deferred Tax Asset, Operating Lease Liabilities
Deferred Tax Asset, Operating Lease Liabilities
Aggregate intrinsic value of options exercised
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period, Intrinsic Value
Weighted-average number of shares outstanding used in computing net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, diluted (in shares)
Weighted-average common shares outstanding used to calculate net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, diluted (in shares)
Weighted Average Number of Shares Outstanding, Diluted
Expected volatility, minimum
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Minimum
Loss Contingency, Nature [Domain]
Loss Contingency, Nature [Domain]
Prepayment rate
Measurement Input, Prepayment Rate [Member]
Sensitivity analysis of fair value
Schedule of Sensitivity Analysis of Fair Value [Table Text Block]
Schedule of Sensitivity Analysis of Fair Value
Expected term (in years)
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Term
2025
Long-term and Short-term Debt, Maturity, Year Three
Long-term and Short-term Debt, Maturity, Year Three
ICFR Auditor Attestation Flag
ICFR Auditor Attestation Flag
Gross debt issuance cost
Debt Issuance Costs, Gross
Expected reduction in workforce, percent
Restructuring and Related Cost, Expected Number of Positions Eliminated, Percent
Restructuring and Related Cost, Expected Number of Positions Eliminated, Percent
Fair value and other adjustments
Total fair value and other adjustments
Fair Value And Other Adjustments, Net
Fair Value And Other Adjustments, Net
Investment in partnerships
Deferred Tax Assets, Investment In Partnerships
Deferred Tax Assets, Investment In Partnerships
RSUs granted (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value
Short-term Debt [Line Items]
Short-Term Debt [Line Items]
Convertible Debt
Convertible Debt [Member]
Options exercisable – December 31, 2022
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Intrinsic Value
Transactions costs paid by Upstart on behalf of Prodigy
Business Combination, Consideration Transferred, Transaction Cost Paid On Behalf Of Acquire
Business Combination, Consideration Transferred, Transaction Cost Paid On Behalf Of Acquire
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Exercise of common stock warrants
Exercise Of Common Stock Warrants, Value
Exercise Of Common Stock Warrants, Value
Repayments received
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Repayments Received
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Repayments Received
Exercise of common stock warrants (in shares)
Exercise Of Common Stock Warrants, Shares
Exercise Of Common Stock Warrants, Shares
Net loss attributable to noncontrolling interests
Net Income (Loss) Attributable to Noncontrolling Interest
Commitments and Contingencies
Commitments and Contingencies Disclosure [Text Block]
Net income (loss) attributable to common stockholders, basic
Net Income (Loss) Available to Common Stockholders, Basic
Common stock, issued (in shares)
Common Stock, Shares, Issued
Pledged Status [Domain]
Pledged Status [Domain]
Maximum advance rate (in percent)
Line Of Credit Facility, Maximum Advance Rate
Line Of Credit Facility, Maximum Advance Rate
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Level 3 fair value assumptions for loan servicing assets and liabilities
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table Text Block]
Acquisition costs recognized
Business Combination, Acquisition Related Costs
Net cash provided by (used in) investing activities
Net Cash Provided by (Used in) Investing Activities
Aggregate principal amount
Debt Instrument, Face Amount
Non-marketable Equity Security
Investment, Policy [Policy Text Block]
Issuance of common stock under employee stock purchase plan
Stock Issued During Period, Value, Employee Stock Purchase Plan
UAWT Benchmark Rate
UAWT Benchmark Rate [Member]
UAWT Benchmark Rate
Entity Current Reporting Status
Entity Current Reporting Status
Capped call cover (in shares)
Debt Instrument, Convertible, Capped Calls Number Of Shares Of Common Stock Covered
Debt Instrument, Convertible, Capped Calls Number Of Shares Of Common Stock Covered
Disaggregation of Revenue [Table]
Disaggregation of Revenue [Table]
Employee Severance
Employee Severance [Member]
Net income (loss) before income taxes
Income (Loss), Including Portion Attributable to Noncontrolling Interest, before Tax
Interest income
Interest income
Interest and Dividend Income, Operating
Issuance of common stock under employee stock purchase plan (in shares)
Stock Issued During Period, Shares, Employee Stock Purchase Plans
Purchase price allocation
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]
Beginning balance (in shares)
Ending balance (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number
Initial period in which effects are expected to be realized
Initial Period in which Effects are Expected to be Realized
Schedule of Stock by Class [Table]
Schedule of Stock by Class [Table]
IPO
IPO [Member]
Fair value adjustments from related parties
Fair Value Adjustments, Related Party
Fair Value Adjustments, Related Party
Basis of Presentation
Basis of Accounting, Policy [Policy Text Block]
Liabilities:
Liabilities
Liabilities [Abstract]
Property, equipment, and software, net
Total property, equipment, and software, net
Property, Plant and Equipment, Net
Purchase of loans for immediate resale
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchase Of Loans For Immediate Resale To Investors
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchase Of Loans For Immediate Resale To Investors
Expected future amortization expense
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]
Intangible assets acquired
Schedule of Finite-Lived Intangible Assets Acquired as Part of Business Combination [Table Text Block]
Changes in fair value recorded in earnings
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Earnings
Sales and marketing
Selling and Marketing Expense [Member]
Conversion Period Three
Conversion Period Three [Member]
Conversion Period Three
Servicing Asset at Fair Value, Amount [Roll Forward]
Servicing Asset at Fair Value, Amount [Roll Forward]
RSUs cancelled and forfeited (in shares)
Forfeited (in shares)
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period
Other income (expense), net
Other Nonoperating Income (Expense)
Offering price per share (in dollars per share)
Sale of Stock, Price Per Share
Exercise of convertible preferred stock warrant into preferred stock and issuance of common stock upon initial public offering (in shares)
Exercise Of Convertible Preferred Stock Warrant, Shares
Exercise Of Convertible Preferred Stock Warrant, Shares
Accounts payable
Increase (Decrease) in Accounts Payable, Trade
Proceeds from sale of loans held-for-sale
Proceeds from Sale of Loans Held-for-sale
Common stock
Common Class A [Member]
Cash and Restricted Cash
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]
Entity Small Business
Entity Small Business
Revenue:
Revenues [Abstract]
Net Carrying Amount
Finite-Lived Intangible Assets, Net
Return of capital on interest in consolidated VIEs
Noncontrolling Interest, Decrease from Distributions to Noncontrolling Interest Holders
Restricted cash
Restricted cash
Restricted cash
Restricted Cash
Number of Options
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding [Roll Forward]
Servicing Liabilities at Fair Value [Line Items]
Servicing Liabilities at Fair Value [Line Items]
Balances aggregate intrinsic value
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value
Long-Lived Tangible Asset [Domain]
Long-Lived Tangible Asset [Domain]
Other assets at fair value
Other Assets, Fair Value Disclosure
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
Consolidated Entities [Axis]
Consolidated Entities [Axis]
Business Combination and Asset Acquisition [Abstract]
Class of Stock [Line Items]
Class of Stock [Line Items]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Payment of debt issuance costs
Payments of Debt Issuance Costs
Operating lease liabilities
Operating lease liabilities
Operating Lease, Liability
Stock-Based Compensation
Share-Based Payment Arrangement [Policy Text Block]
Conversion of convertible preferred stock to common stock upon initial public offering
Temporary Equity, Value, Conversion of Convertible Securities
Temporary Equity, Value, Conversion of Convertible Securities
ULT Warehouse Credit Facility
ULT Warehouse Credit Facility [Member]
ULT Warehouse Credit Facility
2024
Finite-Lived Intangible Asset, Expected Amortization, Year Two
Options granted (in dollars per share)
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Grants in Period, Weighted Average Exercise Price
Risk retention requirement declines
Risk Retention Requirement Declines
Risk Retention Requirement Declines
Accruals and reserves
Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals
Net proceeds from sale of stock
Sale of Stock, Consideration Received on Transaction
Deferred tax assets:
Deferred Tax Assets, Net [Abstract]
Aggregate fair value and principal outstanding of all loans and loans 90 days or more past due
Financing Receivable, Past Due [Table Text Block]
Other assets
Increase (Decrease) in Other Operating Assets
Auditor Location
Auditor Location
Entity Filer Category
Entity Filer Category
Federal
Current Federal Tax Expense (Benefit)
Expected reduction in workforce, number of employees
Restructuring and Related Cost, Expected Number of Positions Eliminated
Average effect on fair value of a 200 basis point increase in discount rates
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates, Average
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates, Average
20% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Liabilities
Liabilities, Fair Value Disclosure [Abstract]
Payable to investors
Payable To Investors
Payable To Investors
Stock-based compensation expense
Share-Based Payment Arrangement, Expense
Security Exchange Name
Security Exchange Name
Options outstanding (in dollars per share)
Options outstanding (in dollars per share)
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price
Useful life (years)
Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life
Letter of credit outstanding
Letters of Credit Outstanding, Amount
Revenue from fees, net
Revenue from Contract with Customer, Excluding Assessed Tax
Conversion of convertible preferred stock to common stock upon initial public offering (in shares)
Stock Issued During Period, Shares, Conversion of Convertible Securities
Other Income (Expense), Net
Other Income (Expense) Policy [Policy Text Block]
Other Income (Expense) Policy
Issuance of common stock in connection with acquisition
Fair value of Upstart common stock issued to Prodigy stockholders
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable
Market-servicing rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Market Servicing Rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Market Servicing Rate
Shares reserved of common stock for issuance
Common Stock, Capital Shares Reserved for Future Issuance
Cover [Abstract]
Entity Voluntary Filers
Entity Voluntary Filers
Other assets (includes $18,388 and $42,648 at fair value as of December 31, 2021 and December 31, 2022, respectively)
Other assets (includes $7,571 and $2,244 at fair value as of December 31, 2021 and December 31, 2022, respectively)
Total other assets
Other Assets
Revenue
Revenue from Contract with Customer [Text Block]
Notes receivable and residual certificates
Notes Receivable, Fair Value Disclosure
Risk-free interest rate
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate
Documents Incorporated by Reference
Documents Incorporated by Reference [Text Block]
Taxes paid related to net share settlement of equity awards
Payment, Tax Withholding, Share-Based Payment Arrangement
Total liabilities and stockholders’ equity
Liabilities and Equity
Proceeds from issuance of common stock under employee stock purchase plan
Proceeds, Issuance of Shares, Share-Based Payment Arrangement, Excluding Option Exercised
Long-term Debt, Type [Axis]
Long-Term Debt, Type [Axis]
Stock repurchase program, remaining authorized repurchase amount (in dollars per share)
Stock Repurchase Program, Remaining Authorized Repurchase Amount
Cash
Cash
Cash
Cash
Amortization
Deferred Tax Assets, Goodwill and Intangible Assets
Total deferred tax assets
Deferred Tax Assets, Gross
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-Based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Loan Servicing Assets
Loan Servicing Assets [Member]
Loan Servicing Assets
Less: Present value adjustment
Lessee, Operating Lease, Liability, Undiscounted Excess Amount
Net income (loss) attributable to common stockholders, diluted
Net Income (Loss) Available to Common Stockholders, Diluted
Vesting [Axis]
Vesting [Axis]
Net income (loss) attributable to Upstart Holdings, Inc. common stockholders per share, diluted (in dollars per share)
Net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, diluted (in dollars per share)
Earnings Per Share, Diluted
Sale of Stock [Domain]
Sale of Stock [Domain]
Award vesting period
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]
Offering expense
Payments of Stock Issuance Costs
Schedule of other assets
Schedule of Other Assets [Table Text Block]
Loan servicing liabilities
Fair value of loan servicing liabilities
Fair value, beginning balance
Fair value, ending balance
Loan servicing liabilities (at fair value)
Servicing Liability at Fair Value, Amount
2024
Lessee, Operating Lease, Liability, to be Paid, Year Two
Deferred tax assets – net of valuation allowance
Deferred Tax Assets, Net of Valuation Allowance
Unrecognized tax benefits
Balance at beginning of year
Balance at end of year
Unrecognized Tax Benefits
Intangible assets
Deferred Tax Liabilities, Intangible Assets
Income (loss) before income taxes from domestic operations
Income (Loss) from Continuing Operations before Income Taxes, Domestic
Servicing fees and other receivables
Accrued Fees and Other Revenue Receivable
Residual certificates retained under unconsolidated securitization transaction
Fair Value, Measurement With Unobservable Inputs Reconciliation , Recurring Basis, Residual Certificates Retained Under Unconsolidated Securitization Transaction
Fair Value, Measurement With Unobservable Inputs Reconciliation , Recurring Basis, Residual Certificates Retained Under Unconsolidated Securitization Transaction
Amortization Expense
Amortization
Reclassification of common stock warrant liability to equity upon termination of repurchase option
Reclassification Of Common Stock Warrant Liability To Equity Upon Termination Of Repurchase Option
Reclassification Of Common Stock Warrant Liability To Equity Upon Termination Of Repurchase Option
Future minimum lease payments
Lessee, Operating Lease, Liability, Maturity [Table Text Block]
Entity Address, Address Line Two
Entity Address, Address Line Two
Entity Address, Address Line One
Entity Address, Address Line One
Other assets acquired and liabilities assumed, net
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Assets Acquired (Liabilities Assumed), Net
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Other Assets Acquired (Liabilities Assumed), Net
Securitizations and other
Securitizations [Member]
Securitizations
Capitalized stock-based compensation expense
Share-Based Payment Arrangement, Amount Capitalized
Expected prepayment rates
Expected Prepayment Rates [Abstract]
Expected Prepayment Rates
Product and Service [Axis]
Product and Service [Axis]
Deferred tax liabilities:
Deferred Tax Liabilities, Net [Abstract]
Class of Stock [Domain]
Class of Stock [Domain]
Number of vesting tranches
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Number Of Vesting Tranches
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Number Of Vesting Tranches
Change in fair value of financial instruments
Change in fair value of financial instruments
Increase (Decrease) in Financial Instruments Used in Operating Activities
Interest expense
Interest Expense
Trade name
Trade Names [Member]
Gain (loss) on loan servicing rights
Schedule Of Gain (Loss) On Loan Servicing Rights [Table Text Block]
Schedule Of Gain (Loss) On Loan Servicing Rights
Accrued expenses and other liabilities
Schedule of Accrued Liabilities [Table Text Block]
Right of use asset
Deferred Tax Liabilities, Leasing Arrangements
Net gain related to loan servicing rights
Net Gain (Loss) Related To Loan Servicing Rights
Net Gain (Loss) Related To Loan Servicing Rights
Fair value adjustment on warrants
Effective Income Tax Rate Reconciliation, Fair Value Adjustment of Warrants, Amounts
Effective Income Tax Rate Reconciliation, Fair Value Adjustment of Warrants, Amounts
Discount rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Discount Rate
Reclassification of preferred stock warrant liability related to cash exercise
Reclassification Of Preferred Stock Warrant Liability Related To Cashless Exercise
Reclassification Of Preferred Stock Warrant Liability Related To Cashless Exercise
Disaggregation of revenue by type of service
Disaggregation of Revenue [Table Text Block]
Purchase of certificates of deposit
Payments to Acquire Restricted Certificates of Deposit
Total deferred tax liabilities
Deferred Tax Liabilities, Gross
Revenue from Contract with Customer [Abstract]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Reversal of Previously Expensed Stock Based Compensation Cost
Reversal Of Previously Expensed Stock Based Compensation Cost [Member]
Reversal Of Previously Expensed Stock Based Compensation Cost
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Schedule of assets pledge as collateral
Schedule of Financial Instruments Owned and Pledged as Collateral [Table Text Block]
Weighted-average effect of dilutive securities (in shares)
Weighted Average Number of Shares Outstanding, Diluted, Adjustment
2027
Finite-Lived Intangible Asset, Expected Amortization, Year Five
Weighted-Average Grant Date Fair Value Per Share
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Loss Contingency Nature [Axis]
Loss Contingency Nature [Axis]
General, administrative, and other
General and Administrative Expense
Long-term Debt, Type [Domain]
Long-Term Debt, Type [Domain]
Statement of Stockholders' Equity [Abstract]
Fair value, beginning balance
Fair value, ending balance
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value
Federal tax at statutory rate
Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount
Cash flows from financing activities
Net Cash Provided by (Used in) Financing Activities [Abstract]
Proceeds from initial public offering, net of underwriting discounts and offering costs
Proceeds from Issuance Initial Public Offering
Initial cap price (in dollars per share)
Debt Instrument, Convertible, Capped Calls Initial Cap Price
Debt Instrument, Convertible, Capped Calls Initial Cap Price
Cash and Restricted Cash
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Including Disposal Group and Discontinued Operations [Abstract]
Section 162(m) limitation
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Section 162(m) Limitation, Amount
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Section 162(m) Limitation, Amount
Disaggregation of Revenue [Line Items]
Disaggregation of Revenue [Line Items]