<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:322dfb84-2bfb-4d90-b632-be94779bda1d,g:f7a6a42f-ad48-4bb4-b457-314c397e0250-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CoverPage" xlink:type="simple" xlink:href="upst-20211231.xsd#CoverPage"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CoverPage" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_3460bd23-4851-4d7b-90ef-72a1e585833d" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_DocumentType_3460bd23-4851-4d7b-90ef-72a1e585833d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport_cfcdce32-cba4-4280-96d9-5c4e0c2196c0" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_DocumentAnnualReport_cfcdce32-cba4-4280-96d9-5c4e0c2196c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_77d86324-6e40-4281-9f2c-fe883e3f6a96" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_DocumentPeriodEndDate_77d86324-6e40-4281-9f2c-fe883e3f6a96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_77c42772-ef61-458a-91e7-4bbf44bc850c" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_DocumentTransitionReport_77c42772-ef61-458a-91e7-4bbf44bc850c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_e00298e7-98f7-4150-87c5-66292905d361" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityFileNumber_e00298e7-98f7-4150-87c5-66292905d361" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_79261d9a-ee4b-47fb-8bd8-6c73f9b3d28f" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityRegistrantName_79261d9a-ee4b-47fb-8bd8-6c73f9b3d28f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_a7a9e5a3-3f4e-4dfd-add1-7ecf6fa070cc" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityIncorporationStateCountryCode_a7a9e5a3-3f4e-4dfd-add1-7ecf6fa070cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_6986f706-4265-43fe-acea-0541adac66d0" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityTaxIdentificationNumber_6986f706-4265-43fe-acea-0541adac66d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_4ad905ed-dd8a-4793-894a-84c83f27fe01" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityAddressAddressLine1_4ad905ed-dd8a-4793-894a-84c83f27fe01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine2_4c3497eb-ddba-4eee-8102-b6d6fc534c35" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityAddressAddressLine2_4c3497eb-ddba-4eee-8102-b6d6fc534c35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_d8d0d421-e6de-400e-8ba8-aa3b19034dde" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityAddressCityOrTown_d8d0d421-e6de-400e-8ba8-aa3b19034dde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_976d1049-63f2-45cf-9213-cf3e05373d27" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityAddressStateOrProvince_976d1049-63f2-45cf-9213-cf3e05373d27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_a4222516-9546-48f3-adff-27e766ff5e1b" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityAddressPostalZipCode_a4222516-9546-48f3-adff-27e766ff5e1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_9111885f-2ddb-4ecf-aefb-d962dffc4f55" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_CityAreaCode_9111885f-2ddb-4ecf-aefb-d962dffc4f55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_0d9b4206-1cab-4638-8556-94f60621c61f" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_LocalPhoneNumber_0d9b4206-1cab-4638-8556-94f60621c61f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_d4164a11-2f03-4c62-824a-3936b675288d" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_Security12bTitle_d4164a11-2f03-4c62-824a-3936b675288d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_74e4b5ac-efe1-4238-836b-75bacdf2dacd" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_TradingSymbol_74e4b5ac-efe1-4238-836b-75bacdf2dacd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_4135ca2f-b32f-45b1-8061-97c03d0dc3a7" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_SecurityExchangeName_4135ca2f-b32f-45b1-8061-97c03d0dc3a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_d0a7fc80-deae-4169-88ec-8155b12bdace" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityCurrentReportingStatus_d0a7fc80-deae-4169-88ec-8155b12bdace" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_0b6ec608-2eff-41ee-b4a3-7c95ef69a9e7" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityInteractiveDataCurrent_0b6ec608-2eff-41ee-b4a3-7c95ef69a9e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_f7ba63d7-73f6-45d0-aa6b-182d3f76f6f9" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityFilerCategory_f7ba63d7-73f6-45d0-aa6b-182d3f76f6f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_3d3a7b9b-cf8c-4687-a0c2-6eb88510b29d" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntitySmallBusiness_3d3a7b9b-cf8c-4687-a0c2-6eb88510b29d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_63ffae16-03fb-4a19-a401-ae0071b8e8e5" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityEmergingGrowthCompany_63ffae16-03fb-4a19-a401-ae0071b8e8e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_96f76c2d-118f-4bc2-a89e-eee23691b001" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityShellCompany_96f76c2d-118f-4bc2-a89e-eee23691b001" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat_079cfc9e-9602-4ff8-b5c2-91435e60d875" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityPublicFloat_079cfc9e-9602-4ff8-b5c2-91435e60d875" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_76f7be69-4af4-49e4-96ce-bf814dabf7f3" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_76f7be69-4af4-49e4-96ce-bf814dabf7f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_3d0ab08d-11ff-4ca1-9433-757f5acb2950" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_AmendmentFlag_3d0ab08d-11ff-4ca1-9433-757f5acb2950" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_ed651613-dd5e-47fe-89cc-b20c8dd7c05f" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_DocumentFiscalYearFocus_ed651613-dd5e-47fe-89cc-b20c8dd7c05f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_b8d9c605-8e54-456b-bfef-0bd365c89ce9" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_DocumentFiscalPeriodFocus_b8d9c605-8e54-456b-bfef-0bd365c89ce9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_2c766990-2305-4595-bebc-71bf37c5a5c8" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityCentralIndexKey_2c766990-2305-4595-bebc-71bf37c5a5c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_fe60b70e-7238-4971-aaa2-3ab7fe18f4af" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_CurrentFiscalYearEndDate_fe60b70e-7238-4971-aaa2-3ab7fe18f4af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer_c90928c7-41f2-4154-9a0c-e476cce423fc" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:presentationArc order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityWellKnownSeasonedIssuer_c90928c7-41f2-4154-9a0c-e476cce423fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers_9cca27c2-923c-4fa3-94c8-39302624100b" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers"/>
    <link:presentationArc order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_EntityVoluntaryFilers_9cca27c2-923c-4fa3-94c8-39302624100b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag_2dd3206b-5875-4e0f-bf52-078a0563d4ca" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:presentationArc order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_57eb89bb-3012-4f5c-996d-c8b2bd20fe64" xlink:to="loc_dei_IcfrAuditorAttestationFlag_2dd3206b-5875-4e0f-bf52-078a0563d4ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/AuditInformation" xlink:type="simple" xlink:href="upst-20211231.xsd#AuditInformation"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/AuditInformation" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_upst_AuditInformationAbstract_56beafe7-f96e-4ee1-bb85-d9d57b5a8ae4" xlink:href="upst-20211231.xsd#upst_AuditInformationAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName_e0e78d8c-25f5-4975-9832-f482266fcff5" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorName"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_AuditInformationAbstract_56beafe7-f96e-4ee1-bb85-d9d57b5a8ae4" xlink:to="loc_dei_AuditorName_e0e78d8c-25f5-4975-9832-f482266fcff5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId_04636277-8422-4462-828c-2ed9bdab4ff6" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorFirmId"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_AuditInformationAbstract_56beafe7-f96e-4ee1-bb85-d9d57b5a8ae4" xlink:to="loc_dei_AuditorFirmId_04636277-8422-4462-828c-2ed9bdab4ff6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation_7dbab0da-7275-4ca7-9161-f308df056eea" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditorLocation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_AuditInformationAbstract_56beafe7-f96e-4ee1-bb85-d9d57b5a8ae4" xlink:to="loc_dei_AuditorLocation_7dbab0da-7275-4ca7-9161-f308df056eea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedBalanceSheets" xlink:type="simple" xlink:href="upst-20211231.xsd#CondensedConsolidatedBalanceSheets"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_348ad5c5-224c-4873-92e8-73566ca27f36" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_a7a707d6-dc14-478c-9de3-642bd4d96b67" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_348ad5c5-224c-4873-92e8-73566ca27f36" xlink:to="loc_us-gaap_StatementTable_a7a707d6-dc14-478c-9de3-642bd4d96b67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_28445f86-daae-4b94-a4be-24bdf7b26d73" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_a7a707d6-dc14-478c-9de3-642bd4d96b67" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_28445f86-daae-4b94-a4be-24bdf7b26d73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_de1ff6bc-89e8-4466-a012-b25210f7352e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_28445f86-daae-4b94-a4be-24bdf7b26d73" xlink:to="loc_us-gaap_ReceivableTypeDomain_de1ff6bc-89e8-4466-a012-b25210f7352e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_53e9f832-a2ad-412d-847a-5c1a6ccf47be" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_de1ff6bc-89e8-4466-a012-b25210f7352e" xlink:to="loc_us-gaap_LoansReceivableMember_53e9f832-a2ad-412d-847a-5c1a6ccf47be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NotesReceivableAndResidualCertificatesMember_026b9f92-9219-4805-afa2-6008c1d8e4a8" xlink:href="upst-20211231.xsd#upst_NotesReceivableAndResidualCertificatesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_de1ff6bc-89e8-4466-a012-b25210f7352e" xlink:to="loc_upst_NotesReceivableAndResidualCertificatesMember_026b9f92-9219-4805-afa2-6008c1d8e4a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_934b4547-8f56-47e9-a5f5-57558dfa0494" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_a7a707d6-dc14-478c-9de3-642bd4d96b67" xlink:to="loc_us-gaap_StatementLineItems_934b4547-8f56-47e9-a5f5-57558dfa0494" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_934b4547-8f56-47e9-a5f5-57558dfa0494" xlink:to="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_b9521e37-b978-4d46-8ae5-730d34aac1ef" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Cash"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_Cash_b9521e37-b978-4d46-8ae5-730d34aac1ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_95861e32-416a-4c21-bd49-36e01a371777" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_RestrictedCash_95861e32-416a-4c21-bd49-36e01a371777" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_fcd0a1e8-40ba-45c7-83f6-7b63ead0f153" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_NotesReceivableNet_fcd0a1e8-40ba-45c7-83f6-7b63ead0f153" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_04b3882d-5dbc-4b31-9ec1-40873e66b2a3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_04b3882d-5dbc-4b31-9ec1-40873e66b2a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_27625308-89aa-4335-913f-87e22ebe5dea" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_27625308-89aa-4335-913f-87e22ebe5dea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_af4a7949-de2d-42fb-b75c-d4a759fa8a85" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_af4a7949-de2d-42fb-b75c-d4a759fa8a85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_ee761f78-1673-4090-9835-ebf4b7753fac" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_Goodwill_ee761f78-1673-4090-9835-ebf4b7753fac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_bafad881-b37c-4e61-8205-752d31c1d190" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_bafad881-b37c-4e61-8205-752d31c1d190" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_adf92959-3a6a-4eaf-9d26-c57b3abcdffc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_OtherAssets_adf92959-3a6a-4eaf-9d26-c57b3abcdffc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_f07e1ef8-1025-4ffb-9849-60b86088118d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_OtherAssets_f07e1ef8-1025-4ffb-9849-60b86088118d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_09f6bc75-d095-4444-8d8a-edca4535bf6c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_f6c33e9d-7c94-4fcb-b7bf-6e8af5b853d6" xlink:to="loc_us-gaap_Assets_09f6bc75-d095-4444-8d8a-edca4535bf6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4bd5a5f4-dab3-4502-ad30-61960f9a7ffb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_934b4547-8f56-47e9-a5f5-57558dfa0494" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4bd5a5f4-dab3-4502-ad30-61960f9a7ffb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4bd5a5f4-dab3-4502-ad30-61960f9a7ffb" xlink:to="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_7c2f80cc-ff8b-4ed9-a0a7-8e819358f2b7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:to="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_7c2f80cc-ff8b-4ed9-a0a7-8e819358f2b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayableToInvestors_7b3b0292-b619-48c5-989d-5e91fd7b563c" xlink:href="upst-20211231.xsd#upst_PayableToInvestors"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:to="loc_upst_PayableToInvestors_7b3b0292-b619-48c5-989d-5e91fd7b563c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_669c31b3-0327-411b-9bd1-fdc21a08526f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_669c31b3-0327-411b-9bd1-fdc21a08526f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_41c75858-c91b-4ef8-a897-107dd17116b3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_41c75858-c91b-4ef8-a897-107dd17116b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_b562a42f-8742-4cee-8a97-266ca98c2193" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:to="loc_us-gaap_OperatingLeaseLiability_b562a42f-8742-4cee-8a97-266ca98c2193" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_d5ee6447-0c2a-4ae0-97b4-332ba0d8f4e6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_babe876a-0e8e-4f6f-8724-c0a3be680ed5" xlink:to="loc_us-gaap_Liabilities_d5ee6447-0c2a-4ae0-97b4-332ba0d8f4e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_abdae31a-aba0-435a-bf98-4d3b08a01511" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4bd5a5f4-dab3-4502-ad30-61960f9a7ffb" xlink:to="loc_us-gaap_StockholdersEquityAbstract_abdae31a-aba0-435a-bf98-4d3b08a01511" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_76cbe74b-c558-47e1-92d2-23aa452109e2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_abdae31a-aba0-435a-bf98-4d3b08a01511" xlink:to="loc_us-gaap_CommonStockValue_76cbe74b-c558-47e1-92d2-23aa452109e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_a4994dc1-a669-4b95-ab24-82b81037e34a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_abdae31a-aba0-435a-bf98-4d3b08a01511" xlink:to="loc_us-gaap_AdditionalPaidInCapital_a4994dc1-a669-4b95-ab24-82b81037e34a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_36d37a6e-e761-491e-9839-9641f7b7240b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_abdae31a-aba0-435a-bf98-4d3b08a01511" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_36d37a6e-e761-491e-9839-9641f7b7240b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_c67195d7-de70-4cc5-a1b3-05e9f3d9452d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_abdae31a-aba0-435a-bf98-4d3b08a01511" xlink:to="loc_us-gaap_StockholdersEquity_c67195d7-de70-4cc5-a1b3-05e9f3d9452d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_ed6373d6-257e-4126-8a97-f22e89e26849" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4bd5a5f4-dab3-4502-ad30-61960f9a7ffb" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_ed6373d6-257e-4126-8a97-f22e89e26849" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:type="simple" xlink:href="upst-20211231.xsd#CondensedConsolidatedBalanceSheetsParenthetical"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_6a5e0c7f-e65f-428c-9611-a390a293623b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_e2d3937f-400b-4423-921c-171bb2f4d5e1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_6a5e0c7f-e65f-428c-9611-a390a293623b" xlink:to="loc_us-gaap_StatementTable_e2d3937f-400b-4423-921c-171bb2f4d5e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_2bfe5138-3ad0-4745-bcc1-f6cce8e56303" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_e2d3937f-400b-4423-921c-171bb2f4d5e1" xlink:to="loc_srt_ConsolidatedEntitiesAxis_2bfe5138-3ad0-4745-bcc1-f6cce8e56303" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_7c85aa40-2474-4e94-a427-3c26815ef1cd" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_2bfe5138-3ad0-4745-bcc1-f6cce8e56303" xlink:to="loc_srt_ConsolidatedEntitiesDomain_7c85aa40-2474-4e94-a427-3c26815ef1cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1c72ab56-df84-4386-a46b-b9d54050c0d9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_7c85aa40-2474-4e94-a427-3c26815ef1cd" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1c72ab56-df84-4386-a46b-b9d54050c0d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_ae6ff526-08b1-4284-9dce-d63bc7937c80" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_e2d3937f-400b-4423-921c-171bb2f4d5e1" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_ae6ff526-08b1-4284-9dce-d63bc7937c80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_e308a62e-3c7f-427d-98db-fc74d3344f4d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_ae6ff526-08b1-4284-9dce-d63bc7937c80" xlink:to="loc_us-gaap_ReceivableTypeDomain_e308a62e-3c7f-427d-98db-fc74d3344f4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_43f3b8f4-85ee-4eaa-9c68-104d10f4995c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_e308a62e-3c7f-427d-98db-fc74d3344f4d" xlink:to="loc_us-gaap_LoansReceivableMember_43f3b8f4-85ee-4eaa-9c68-104d10f4995c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NotesReceivableAndResidualCertificatesMember_5435820f-1f47-4775-85eb-cb2ef254a0fb" xlink:href="upst-20211231.xsd#upst_NotesReceivableAndResidualCertificatesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_e308a62e-3c7f-427d-98db-fc74d3344f4d" xlink:to="loc_upst_NotesReceivableAndResidualCertificatesMember_5435820f-1f47-4775-85eb-cb2ef254a0fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_e2d3937f-400b-4423-921c-171bb2f4d5e1" xlink:to="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:to="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_1b3c3dbd-1b5a-4f8c-bf35-87f487c4f1fd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Cash"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_Cash_1b3c3dbd-1b5a-4f8c-bf35-87f487c4f1fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_a43b2a11-85a6-4932-9fb9-45ddfea904dd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_RestrictedCash_a43b2a11-85a6-4932-9fb9-45ddfea904dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_fd63b3a3-8c58-4dda-ab44-b06858c3b1c9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_NotesReceivableNet_fd63b3a3-8c58-4dda-ab44-b06858c3b1c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_63e60f0f-4916-4984-9d75-66f3f260a691" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_OtherAssets_63e60f0f-4916-4984-9d75-66f3f260a691" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_f3b1da1b-5c8f-4228-9407-9544b8174289" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_Assets_f3b1da1b-5c8f-4228-9407-9544b8174289" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_dd6d0318-8bd9-4e15-bf0c-b7cbe0c2b53a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_dd6d0318-8bd9-4e15-bf0c-b7cbe0c2b53a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_c5c8b2b6-b2d7-4a0d-a49d-353e0b859a9a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_c5c8b2b6-b2d7-4a0d-a49d-353e0b859a9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_0464d3b0-dedd-421c-a46f-50bdef25ffe9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_0464d3b0-dedd-421c-a46f-50bdef25ffe9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_fa7577b4-9a70-4cb7-811e-75b9a6d78d86" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_a8e94c22-a848-4dde-90ca-bfa5af64625f" xlink:to="loc_us-gaap_Liabilities_fa7577b4-9a70-4cb7-811e-75b9a6d78d86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_b1b4292c-206f-4675-ac61-a2ab418db4da" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_b1b4292c-206f-4675-ac61-a2ab418db4da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AccruedExpensesAndOtherLiabilitiesFairValueDisclosure_7b3a0670-6e2b-4cd3-ad99-4e9461380b41" xlink:href="upst-20211231.xsd#upst_AccruedExpensesAndOtherLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:to="loc_upst_AccruedExpensesAndOtherLiabilitiesFairValueDisclosure_7b3a0670-6e2b-4cd3-ad99-4e9461380b41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_adafc4b2-ebb6-4cc2-af4a-8194fd8cbe44" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_adafc4b2-ebb6-4cc2-af4a-8194fd8cbe44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_c11c1f11-0c52-4e84-92b9-df88c6f27c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_c11c1f11-0c52-4e84-92b9-df88c6f27c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_340984f8-ccb4-41bd-858e-f5b27a282bfb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:to="loc_us-gaap_CommonStockSharesIssued_340984f8-ccb4-41bd-858e-f5b27a282bfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_a4f0fc5a-9035-4cb8-b307-cd06163caf0a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_a4c4d1f8-9b18-49c7-b6e8-188d8be8b11f" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_a4f0fc5a-9035-4cb8-b307-cd06163caf0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveIncome" xlink:type="simple" xlink:href="upst-20211231.xsd#CondensedConsolidatedStatementsofOperationsandComprehensiveIncome"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_ffe6888b-f4c7-425c-acb1-79debd9f8ea0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenuesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_RevenuesAbstract_ffe6888b-f4c7-425c-acb1-79debd9f8ea0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_c9192f92-5a14-496b-adc6-4f4da144ada7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_ffe6888b-f4c7-425c-acb1-79debd9f8ea0" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_c9192f92-5a14-496b-adc6-4f4da144ada7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueNotFromContractWithCustomer_cee9865e-dba6-400e-b18f-e9239eb63992" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueNotFromContractWithCustomer"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_ffe6888b-f4c7-425c-acb1-79debd9f8ea0" xlink:to="loc_us-gaap_RevenueNotFromContractWithCustomer_cee9865e-dba6-400e-b18f-e9239eb63992" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_af9f964c-dc7d-4f29-bc1b-71bf804c1451" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_ffe6888b-f4c7-425c-acb1-79debd9f8ea0" xlink:to="loc_us-gaap_Revenues_af9f964c-dc7d-4f29-bc1b-71bf804c1451" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpensesAbstract_638c6b52-1f43-4cbc-966f-e48ac200f4c6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingExpensesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_OperatingExpensesAbstract_638c6b52-1f43-4cbc-966f-e48ac200f4c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_defb1f5e-eba7-431f-867d-bbdd39b424b0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_638c6b52-1f43-4cbc-966f-e48ac200f4c6" xlink:to="loc_us-gaap_SellingAndMarketingExpense_defb1f5e-eba7-431f-867d-bbdd39b424b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerOperationsExpense_6135ae0e-da50-45c1-8f59-c13320fbfc57" xlink:href="upst-20211231.xsd#upst_CustomerOperationsExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_638c6b52-1f43-4cbc-966f-e48ac200f4c6" xlink:to="loc_upst_CustomerOperationsExpense_6135ae0e-da50-45c1-8f59-c13320fbfc57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense_3f67f845-6180-4fda-b678-f896d3dfda5a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ResearchAndDevelopmentExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_638c6b52-1f43-4cbc-966f-e48ac200f4c6" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_3f67f845-6180-4fda-b678-f896d3dfda5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_cb48db0d-f92d-465b-8c51-a8bbf732ab7a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_638c6b52-1f43-4cbc-966f-e48ac200f4c6" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_cb48db0d-f92d-465b-8c51-a8bbf732ab7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_fd98f8c3-afb9-429a-b6ce-ee8d10cc57a1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingExpenses"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_638c6b52-1f43-4cbc-966f-e48ac200f4c6" xlink:to="loc_us-gaap_OperatingExpenses_fd98f8c3-afb9-429a-b6ce-ee8d10cc57a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_3f73051a-8073-4484-b544-6dd000c55f79" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_OperatingIncomeLoss_3f73051a-8073-4484-b544-6dd000c55f79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_8733d4f6-d981-4c5f-830c-e0ff66a97538" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_8733d4f6-d981-4c5f-830c-e0ff66a97538" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncomeExpenseOnWarrantsAndOtherNonOperatingExpensesNet_a407085f-a001-41e4-a591-ec10d8bac6da" xlink:href="upst-20211231.xsd#upst_IncomeExpenseOnWarrantsAndOtherNonOperatingExpensesNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_upst_IncomeExpenseOnWarrantsAndOtherNonOperatingExpensesNet_a407085f-a001-41e4-a591-ec10d8bac6da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossIncludingPortionAttributableToNoncontrollingInterest_1b20d3c9-0ac8-43d0-a817-738a7573ee3f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_IncomeLossIncludingPortionAttributableToNoncontrollingInterest_1b20d3c9-0ac8-43d0-a817-738a7573ee3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_174bae15-ebd4-4475-b2af-7ad09f913e79" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_174bae15-ebd4-4475-b2af-7ad09f913e79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_ac6667dd-4f30-4964-9913-5fdcb4310e61" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_ProfitLoss_ac6667dd-4f30-4964-9913-5fdcb4310e61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_705ee642-c1bd-4ebd-8320-707e69c080ff" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_705ee642-c1bd-4ebd-8320-707e69c080ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_5fd8bc66-1032-4e8d-b8fd-c06342613367" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_NetIncomeLoss_5fd8bc66-1032-4e8d-b8fd-c06342613367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_9b259272-d0bc-4742-87ab-73197a2d7c64" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_EarningsPerShareBasic_9b259272-d0bc-4742-87ab-73197a2d7c64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_23899bc6-a8b3-41f2-acff-745a2e0076da" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_EarningsPerShareDiluted_23899bc6-a8b3-41f2-acff-745a2e0076da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_d90e0687-3352-4c74-95ab-37219c8202c6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_d90e0687-3352-4c74-95ab-37219c8202c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_0fc3afe9-ff87-432b-bc8e-bc7ec695b199" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_a7a35560-268e-4956-86e5-3b85e87c2117" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_0fc3afe9-ff87-432b-bc8e-bc7ec695b199" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveIncomeParenthetical" xlink:type="simple" xlink:href="upst-20211231.xsd#CondensedConsolidatedStatementsofOperationsandComprehensiveIncomeParenthetical"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveIncomeParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_04a17940-0061-4243-ae6c-e29aaa6332f0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseRelatedParty_37fc8b5d-9cfb-41c8-a700-25a5cbd110f0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseRelatedParty"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_04a17940-0061-4243-ae6c-e29aaa6332f0" xlink:to="loc_us-gaap_InterestExpenseRelatedParty_37fc8b5d-9cfb-41c8-a700-25a5cbd110f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueAdjustmentsRelatedParty_b4e59dc1-dc45-44b4-ab9f-938fcf7d7e5d" xlink:href="upst-20211231.xsd#upst_FairValueAdjustmentsRelatedParty"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_04a17940-0061-4243-ae6c-e29aaa6332f0" xlink:to="loc_upst_FairValueAdjustmentsRelatedParty_b4e59dc1-dc45-44b4-ab9f-938fcf7d7e5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofConvertiblePreferredStockandStockholdersEquityDeficit" xlink:type="simple" xlink:href="upst-20211231.xsd#CondensedConsolidatedStatementsofConvertiblePreferredStockandStockholdersEquityDeficit"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofConvertiblePreferredStockandStockholdersEquityDeficit" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_3be9c9c6-294a-419c-b292-31b8efa55ec0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_e4ab0844-ae59-45b1-9595-0c60f3bd67e2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_3be9c9c6-294a-419c-b292-31b8efa55ec0" xlink:to="loc_us-gaap_StatementTable_e4ab0844-ae59-45b1-9595-0c60f3bd67e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_2435a775-a828-4b4f-9498-38f65296f139" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_e4ab0844-ae59-45b1-9595-0c60f3bd67e2" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_2435a775-a828-4b4f-9498-38f65296f139" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_aebd7ef0-bde4-4f28-9e97-3e4e291f5175" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_2435a775-a828-4b4f-9498-38f65296f139" xlink:to="loc_us-gaap_EquityComponentDomain_aebd7ef0-bde4-4f28-9e97-3e4e291f5175" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ParentMember_367d8e5c-914b-4abe-838c-ca4849ee5b42" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ParentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_aebd7ef0-bde4-4f28-9e97-3e4e291f5175" xlink:to="loc_us-gaap_ParentMember_367d8e5c-914b-4abe-838c-ca4849ee5b42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_616c6814-2960-4eb6-9aa3-11f317e56f40" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ParentMember_367d8e5c-914b-4abe-838c-ca4849ee5b42" xlink:to="loc_us-gaap_CommonStockMember_616c6814-2960-4eb6-9aa3-11f317e56f40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_90a7583a-d1b7-46be-86b6-928625a851ee" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ParentMember_367d8e5c-914b-4abe-838c-ca4849ee5b42" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_90a7583a-d1b7-46be-86b6-928625a851ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_6ac72157-8e53-4d71-9532-98efeceb57cb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ParentMember_367d8e5c-914b-4abe-838c-ca4849ee5b42" xlink:to="loc_us-gaap_RetainedEarningsMember_6ac72157-8e53-4d71-9532-98efeceb57cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestMember_48f49daf-e622-4445-acf7-a0aca96890ab" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncontrollingInterestMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_aebd7ef0-bde4-4f28-9e97-3e4e291f5175" xlink:to="loc_us-gaap_NoncontrollingInterestMember_48f49daf-e622-4445-acf7-a0aca96890ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_b5cdc8fe-cd73-4f49-a51f-f8f4929554f1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_e4ab0844-ae59-45b1-9595-0c60f3bd67e2" xlink:to="loc_us-gaap_StatementLineItems_b5cdc8fe-cd73-4f49-a51f-f8f4929554f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInTemporaryEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_b5cdc8fe-cd73-4f49-a51f-f8f4929554f1" xlink:to="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquitySharesOutstanding_705b5006-0731-422d-9728-b85b3c5325aa" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TemporaryEquitySharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_us-gaap_TemporaryEquitySharesOutstanding_705b5006-0731-422d-9728-b85b3c5325aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests_9f7ffdc4-ca04-490a-8be7-ed270aee3bdb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests_9f7ffdc4-ca04-490a-8be7-ed270aee3bdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TemporaryEquityStockIssuedDuringPeriodSharesNewIssues_7eb493cc-1d94-47c0-be6b-85dc8bc96168" xlink:href="upst-20211231.xsd#upst_TemporaryEquityStockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_upst_TemporaryEquityStockIssuedDuringPeriodSharesNewIssues_7eb493cc-1d94-47c0-be6b-85dc8bc96168" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityStockIssuedDuringPeriodValueNewIssues_43bb216d-d0e9-45fd-b468-332f34f701a2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TemporaryEquityStockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_us-gaap_TemporaryEquityStockIssuedDuringPeriodValueNewIssues_43bb216d-d0e9-45fd-b468-332f34f701a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TemporaryEquityExerciseOfStockWarrantSharesNewIssues_af4c241b-518a-43b7-92b5-e582aa50023d" xlink:href="upst-20211231.xsd#upst_TemporaryEquityExerciseOfStockWarrantSharesNewIssues"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_upst_TemporaryEquityExerciseOfStockWarrantSharesNewIssues_af4c241b-518a-43b7-92b5-e582aa50023d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TemporaryEquityExerciseOfStockWarrantValueNewIssues_c07cab72-8e3d-46e6-b3e5-bfbdf5d16c86" xlink:href="upst-20211231.xsd#upst_TemporaryEquityExerciseOfStockWarrantValueNewIssues"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_upst_TemporaryEquityExerciseOfStockWarrantValueNewIssues_c07cab72-8e3d-46e6-b3e5-bfbdf5d16c86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TemporaryEquityStockRepurchasedAndRetiredDuringPeriodShares_2e54e6d5-6746-4e55-9060-161e7b4848bc" xlink:href="upst-20211231.xsd#upst_TemporaryEquityStockRepurchasedAndRetiredDuringPeriodShares"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_upst_TemporaryEquityStockRepurchasedAndRetiredDuringPeriodShares_2e54e6d5-6746-4e55-9060-161e7b4848bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TemporaryEquityStockRepurchasedAndRetiredDuringPeriodValue_e45a815d-e045-4506-89c9-19ba1759d60f" xlink:href="upst-20211231.xsd#upst_TemporaryEquityStockRepurchasedAndRetiredDuringPeriodValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_upst_TemporaryEquityStockRepurchasedAndRetiredDuringPeriodValue_e45a815d-e045-4506-89c9-19ba1759d60f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TemporaryEquitySharesConversionOfConvertibleSecurities_4b4dddc5-041b-4a78-90d1-bf6eb2a2620e" xlink:href="upst-20211231.xsd#upst_TemporaryEquitySharesConversionOfConvertibleSecurities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_upst_TemporaryEquitySharesConversionOfConvertibleSecurities_4b4dddc5-041b-4a78-90d1-bf6eb2a2620e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TemporaryEquityValueConversionOfConvertibleSecurities_eee982f3-d35f-45ae-b833-3cc28cebbed2" xlink:href="upst-20211231.xsd#upst_TemporaryEquityValueConversionOfConvertibleSecurities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_upst_TemporaryEquityValueConversionOfConvertibleSecurities_eee982f3-d35f-45ae-b833-3cc28cebbed2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquitySharesOutstanding_85818737-a2c1-46fe-95f3-e1973d18d5a1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TemporaryEquitySharesOutstanding"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_us-gaap_TemporaryEquitySharesOutstanding_85818737-a2c1-46fe-95f3-e1973d18d5a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests_bcf54b94-d9a9-409a-9eef-2a25212a6c19" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInTemporaryEquityRollForward_87add972-4b4f-4464-8710-e735a8c33847" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountIncludingPortionAttributableToNoncontrollingInterests_bcf54b94-d9a9-409a-9eef-2a25212a6c19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_b5cdc8fe-cd73-4f49-a51f-f8f4929554f1" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_ea7e9284-31ef-474a-9370-b9044ab6a6a8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_ea7e9284-31ef-474a-9370-b9044ab6a6a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_01bcd604-2091-4749-9200-9123ce6695d6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_01bcd604-2091-4749-9200-9123ce6695d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_b3fe09b7-7758-431c-9f79-72b539ae93f3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_b3fe09b7-7758-431c-9f79-72b539ae93f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExerciseOfCommonStockWarrantsShares_2d27e1d8-7bd3-4ab4-ae37-773faba40055" xlink:href="upst-20211231.xsd#upst_ExerciseOfCommonStockWarrantsShares"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_ExerciseOfCommonStockWarrantsShares_2d27e1d8-7bd3-4ab4-ae37-773faba40055" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExerciseOfCommonStockWarrantsValue_c8cfc649-c046-4cc4-8f6c-babfc9c6b383" xlink:href="upst-20211231.xsd#upst_ExerciseOfCommonStockWarrantsValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_ExerciseOfCommonStockWarrantsValue_c8cfc649-c046-4cc4-8f6c-babfc9c6b383" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_a3411df5-0069-4a93-a5a5-523157ec9788" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_a3411df5-0069-4a93-a5a5-523157ec9788" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_9d90c2f5-0855-4f6b-bf4e-c0a92bcfd6be" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_9d90c2f5-0855-4f6b-bf4e-c0a92bcfd6be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition_64e99a58-d9e9-43c2-ad9f-fe4744dff86b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition_64e99a58-d9e9-43c2-ad9f-fe4744dff86b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_24ed41d9-368a-4ece-9eda-f6a024f849fe" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_24ed41d9-368a-4ece-9eda-f6a024f849fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestDecreaseFromDeconsolidation_0531ada5-fa11-4744-969e-dc9d3a524556" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncontrollingInterestDecreaseFromDeconsolidation"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_NoncontrollingInterestDecreaseFromDeconsolidation_0531ada5-fa11-4744-969e-dc9d3a524556" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_1e9b3814-13d5-4de0-8f63-90990bef9ebd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_ProfitLoss_1e9b3814-13d5-4de0-8f63-90990bef9ebd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_0ebd7359-a4eb-4ccb-a62f-10681f5d9265" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_0ebd7359-a4eb-4ccb-a62f-10681f5d9265" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities_6fa7e8ea-ef0b-4e23-a6b9-7e102d71d87c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities_6fa7e8ea-ef0b-4e23-a6b9-7e102d71d87c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_c6719cb7-9ba1-44ce-81d3-05f97fc8dfcc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_c6719cb7-9ba1-44ce-81d3-05f97fc8dfcc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_be41c84b-ea3a-4f6f-8cf8-49dca23eb1cd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_be41c84b-ea3a-4f6f-8cf8-49dca23eb1cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_6f7ce984-60a6-4c07-bfd2-498676b15c76" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_6f7ce984-60a6-4c07-bfd2-498676b15c76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodIncentiveAgreement_4f336891-d661-4931-b7a9-ef66c095fd2e" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodIncentiveAgreement"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodIncentiveAgreement_4f336891-d661-4931-b7a9-ef66c095fd2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_StockIssuedDuringPeriodValueStockOptionsExercisedIncentiveAgreement_a3525d70-3ecc-42a7-b9ab-60d74d49d976" xlink:href="upst-20211231.xsd#upst_StockIssuedDuringPeriodValueStockOptionsExercisedIncentiveAgreement"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_StockIssuedDuringPeriodValueStockOptionsExercisedIncentiveAgreement_a3525d70-3ecc-42a7-b9ab-60d74d49d976" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExerciseOfConvertiblePreferredStockWarrantShares_d8a58c7d-fb8d-4e5a-b81a-e52832f9abe0" xlink:href="upst-20211231.xsd#upst_ExerciseOfConvertiblePreferredStockWarrantShares"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_ExerciseOfConvertiblePreferredStockWarrantShares_d8a58c7d-fb8d-4e5a-b81a-e52832f9abe0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExerciseOfConvertiblePreferredStockWarrantValue_d335e1c2-668b-4b92-b868-92d822a2ecd1" xlink:href="upst-20211231.xsd#upst_ExerciseOfConvertiblePreferredStockWarrantValue"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_ExerciseOfConvertiblePreferredStockWarrantValue_d335e1c2-668b-4b92-b868-92d822a2ecd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ReclassOfWarrantLiabilityUponTerminationOfRepurchaseObligation_a3fac232-a095-48b5-aa00-5afb13adee38" xlink:href="upst-20211231.xsd#upst_ReclassOfWarrantLiabilityUponTerminationOfRepurchaseObligation"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_ReclassOfWarrantLiabilityUponTerminationOfRepurchaseObligation_a3fac232-a095-48b5-aa00-5afb13adee38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_c10aba53-5705-4da8-acb4-30813d9d2032" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_c10aba53-5705-4da8-acb4-30813d9d2032" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_ac8e25c0-82f8-4c2d-9a32-428660534356" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_ac8e25c0-82f8-4c2d-9a32-428660534356" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesAcquisitions_fdccf53d-ab80-40e9-a243-32308ff366e6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesAcquisitions"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesAcquisitions_fdccf53d-ab80-40e9-a243-32308ff366e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions_f194c474-6799-432d-97c3-d657d5c37518" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueAcquisitions"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions_f194c474-6799-432d-97c3-d657d5c37518" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_be2d997e-2a5f-47ea-9206-1b12fb6b1a35" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_be2d997e-2a5f-47ea-9206-1b12fb6b1a35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueEmployeeStockPurchasePlan_b78f2194-7d07-4c87-a67a-6136f6cfc7c4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueEmployeeStockPurchasePlan"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueEmployeeStockPurchasePlan_b78f2194-7d07-4c87-a67a-6136f6cfc7c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_APICIncentiveShareExpenseIncreaseForCostRecognition_b4867fd3-cb91-46eb-adee-5835aec12b9c" xlink:href="upst-20211231.xsd#upst_APICIncentiveShareExpenseIncreaseForCostRecognition"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_APICIncentiveShareExpenseIncreaseForCostRecognition_b4867fd3-cb91-46eb-adee-5835aec12b9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCallTransactions_56ab57ac-5d1a-4cf1-a3d1-21003eeb2750" xlink:href="upst-20211231.xsd#upst_AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCallTransactions"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_upst_AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCallTransactions_56ab57ac-5d1a-4cf1-a3d1-21003eeb2750" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_c54f4157-0e79-4b29-864e-d0ec3bb79dfc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_c54f4157-0e79-4b29-864e-d0ec3bb79dfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_42160cc8-d6c9-4f89-b5ed-a10fae830560" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_8faaa1f9-66ca-43d3-b06d-933c03775be3" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_42160cc8-d6c9-4f89-b5ed-a10fae830560" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="upst-20211231.xsd#CondensedConsolidatedStatementsofCashFlows"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_ea602d0f-0bc0-47a8-873b-375e95ee531b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_ea602d0f-0bc0-47a8-873b-375e95ee531b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_102b6fb5-d177-48b1-a575-939460ec6b36" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_ea602d0f-0bc0-47a8-873b-375e95ee531b" xlink:to="loc_us-gaap_ProfitLoss_102b6fb5-d177-48b1-a575-939460ec6b36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_ea602d0f-0bc0-47a8-873b-375e95ee531b" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities_3fd2f2bd-08df-4b65-a175-585c66cf2861" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities_3fd2f2bd-08df-4b65-a175-585c66cf2861" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_faed2d17-487c-4912-ad65-998e8ad5feef" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_us-gaap_ShareBasedCompensation_faed2d17-487c-4912-ad65-998e8ad5feef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet_df721089-d4aa-4034-a192-334ff0c966d6" xlink:href="upst-20211231.xsd#upst_GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_upst_GainLossOnLoanServicingArrangementsAndSaleOfNoncontrollingInterestsNet_df721089-d4aa-4034-a192-334ff0c966d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_53be3662-c27f-4e26-b05f-f2a662254305" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_53be3662-c27f-4e26-b05f-f2a662254305" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncentiveFeeExpense_7bef0454-2604-46b3-be25-ef7473b8e80e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncentiveFeeExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_us-gaap_IncentiveFeeExpense_7bef0454-2604-46b3-be25-ef7473b8e80e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_7c005964-0543-4902-8e67-69f725f442c2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_7c005964-0543-4902-8e67-69f725f442c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_GainLossOnRepurchasedAndRetiredConvertiblePreferredStockWarrants_d04fb193-456f-4ed0-ac0e-c1e6e4569359" xlink:href="upst-20211231.xsd#upst_GainLossOnRepurchasedAndRetiredConvertiblePreferredStockWarrants"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_upst_GainLossOnRepurchasedAndRetiredConvertiblePreferredStockWarrants_d04fb193-456f-4ed0-ac0e-c1e6e4569359" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_7233cf08-9713-49c6-b31a-1761ef947247" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PurchaseOfLoansForImmediateResale_b6fe6a5e-8252-4d40-94bf-65b2f74787e9" xlink:href="upst-20211231.xsd#upst_PurchaseOfLoansForImmediateResale"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_upst_PurchaseOfLoansForImmediateResale_b6fe6a5e-8252-4d40-94bf-65b2f74787e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProceedsFromImmediateResaleOfLoans_7f0a8c69-5ca1-4a84-b2f7-b894105f5d46" xlink:href="upst-20211231.xsd#upst_ProceedsFromImmediateResaleOfLoans"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_upst_ProceedsFromImmediateResaleOfLoans_7f0a8c69-5ca1-4a84-b2f7-b894105f5d46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToPurchaseLoansHeldForSale_92f8b91a-96b6-454d-a094-6596eca9e14f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToPurchaseLoansHeldForSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_us-gaap_PaymentsToPurchaseLoansHeldForSale_92f8b91a-96b6-454d-a094-6596eca9e14f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfLoansHeldForSale_ca2cf91e-c706-4a0e-afaa-7ac50110a452" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromCollectionOfLoansHeldForSale"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_us-gaap_ProceedsFromCollectionOfLoansHeldForSale_ca2cf91e-c706-4a0e-afaa-7ac50110a452" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_ac767afe-4e63-4ced-a465-ca2b5c7cebc1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_ac767afe-4e63-4ced-a465-ca2b5c7cebc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_4ca006a7-9f38-4931-aae2-43f2e9b13569" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_4ca006a7-9f38-4931-aae2-43f2e9b13569" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset_7e8c09ef-fd21-48be-b102-bc5c701349db" xlink:href="upst-20211231.xsd#upst_IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_upst_IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset_7e8c09ef-fd21-48be-b102-bc5c701349db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade_18ad6077-96a6-4398-b4c6-291b7667c6bd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableTrade"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade_18ad6077-96a6-4398-b4c6-291b7667c6bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInPayableToInvestors_69363f78-74ac-4dc7-9b90-61f7c44625e9" xlink:href="upst-20211231.xsd#upst_IncreaseDecreaseInPayableToInvestors"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_upst_IncreaseDecreaseInPayableToInvestors_69363f78-74ac-4dc7-9b90-61f7c44625e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_60387db8-bc7d-4371-b577-21a027b1644b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b6d1a1a6-5969-4e3e-bb1f-3b22b3abe3c7" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_60387db8-bc7d-4371-b577-21a027b1644b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_64aa1d24-f97b-44e5-94a1-22af8e9a99d4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_ea602d0f-0bc0-47a8-873b-375e95ee531b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_64aa1d24-f97b-44e5-94a1-22af8e9a99d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProceedsFromPrincipalRepaymentsOnLoansHeldByConsolidatedSecuritizations_c14f2637-eefb-467e-a65b-9182b78f8033" xlink:href="upst-20211231.xsd#upst_ProceedsFromPrincipalRepaymentsOnLoansHeldByConsolidatedSecuritizations"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_upst_ProceedsFromPrincipalRepaymentsOnLoansHeldByConsolidatedSecuritizations_c14f2637-eefb-467e-a65b-9182b78f8033" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_248f2620-7e7f-49ed-aabf-9e893a53781d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_248f2620-7e7f-49ed-aabf-9e893a53781d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_eafa6403-0e51-4e9e-a325-2b85236a107f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_eafa6403-0e51-4e9e-a325-2b85236a107f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfNotesReceivable_a747796a-560d-4c5b-9800-eba01ecbd620" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromCollectionOfNotesReceivable"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_ProceedsFromCollectionOfNotesReceivable_a747796a-560d-4c5b-9800-eba01ecbd620" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireLoansHeldForInvestment_78668146-255f-4373-94dc-a902b3915d33" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_PaymentsToAcquireLoansHeldForInvestment_78668146-255f-4373-94dc-a902b3915d33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireOtherInvestments_036e84ce-ff28-497d-9032-c011712af1fd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireOtherInvestments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_PaymentsToAcquireOtherInvestments_036e84ce-ff28-497d-9032-c011712af1fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireNotesReceivable_faeeddfa-fea2-4bcc-80ec-718ba67b200e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireNotesReceivable"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_PaymentsToAcquireNotesReceivable_faeeddfa-fea2-4bcc-80ec-718ba67b200e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_dfd8f9c5-60e6-43fe-8903-7be7a0f6eb61" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_dfd8f9c5-60e6-43fe-8903-7be7a0f6eb61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForSoftware_2978db55-a962-4978-b728-2522dc270e5d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForSoftware"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_PaymentsForSoftware_2978db55-a962-4978-b728-2522dc270e5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_35547e34-6d17-4537-8c90-0ec2d4205a31" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_35547e34-6d17-4537-8c90-0ec2d4205a31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2776bbbd-f936-4d86-b406-83f47d716afb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_f20355d7-7849-42e1-a9fe-24777b3cd284" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2776bbbd-f936-4d86-b406-83f47d716afb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_9aae19b6-7c2f-40e1-b0fa-76ade9511aaa" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceInitialPublicOffering"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_9aae19b6-7c2f-40e1-b0fa-76ade9511aaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_92521fce-6bc2-4f97-90ba-6382079c1927" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_92521fce-6bc2-4f97-90ba-6382079c1927" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfDebt_07aca775-ddf3-4ff8-8a74-ab09759c2d18" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfDebt_07aca775-ddf3-4ff8-8a74-ab09759c2d18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_c475e59d-7d09-424a-8b7e-a47ac6021815" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_c475e59d-7d09-424a-8b7e-a47ac6021815" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentsForCappedCalls_4ca215fd-6eab-414c-b2a7-db6bd26a3de1" xlink:href="upst-20211231.xsd#upst_PaymentsForCappedCalls"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_upst_PaymentsForCappedCalls_4ca215fd-6eab-414c-b2a7-db6bd26a3de1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_d234261d-eb83-41ac-ad2f-e870cfa8e487" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_d234261d-eb83-41ac-ad2f-e870cfa8e487" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentsMadeOnSecuritizationNotesAndCertificates_674fc0c7-aff0-4d12-b150-1fdb5d8c115c" xlink:href="upst-20211231.xsd#upst_PaymentsMadeOnSecuritizationNotesAndCertificates"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_upst_PaymentsMadeOnSecuritizationNotesAndCertificates_674fc0c7-aff0-4d12-b150-1fdb5d8c115c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt_6710fb11-0eff-40ef-b59f-2f6607d072d8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_RepaymentsOfDebt_6710fb11-0eff-40ef-b59f-2f6607d072d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfNotesPayable_17ae1265-6d76-4fb2-a368-edfca2420b86" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfNotesPayable"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_RepaymentsOfNotesPayable_17ae1265-6d76-4fb2-a368-edfca2420b86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToMinorityShareholders_52588e12-8a53-4cee-9c0a-56ce2c978dc2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToMinorityShareholders"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_PaymentsToMinorityShareholders_52588e12-8a53-4cee-9c0a-56ce2c978dc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentForRepurchaseOfConvertiblePreferredStockWarrants_50fa2c8c-10dd-4875-8392-abf808cdfbff" xlink:href="upst-20211231.xsd#upst_PaymentForRepurchaseOfConvertiblePreferredStockWarrants"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_upst_PaymentForRepurchaseOfConvertiblePreferredStockWarrants_50fa2c8c-10dd-4875-8392-abf808cdfbff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfConvertiblePreferredStock_3ecfb3b4-8306-4b09-8695-c592be951ec0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForRepurchaseOfConvertiblePreferredStock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfConvertiblePreferredStock_3ecfb3b4-8306-4b09-8695-c592be951ec0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromNotesPayable_47810fd6-df02-49ea-aa11-55515b2c7956" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromNotesPayable"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromNotesPayable_47810fd6-df02-49ea-aa11-55515b2c7956" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock_67f4e62a-7da8-4956-9054-b45b49e3ff72" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfConvertiblePreferredStock_67f4e62a-7da8-4956-9054-b45b49e3ff72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromWarrantExercises_c1da56b7-542a-4da1-835d-e8e4c6025e92" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromWarrantExercises"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromWarrantExercises_c1da56b7-542a-4da1-835d-e8e4c6025e92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans_369115e1-489f-46f8-9e32-9921a534bff3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans_369115e1-489f-46f8-9e32-9921a534bff3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_9aa2dd07-043c-4bd9-be96-9dff8a467c03" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_9aa2dd07-043c-4bd9-be96-9dff8a467c03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_61cf3074-ddc0-406f-856b-72181f9ea258" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5c6a9170-4bbf-423f-b3df-1ad4b9417f55" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_61cf3074-ddc0-406f-856b-72181f9ea258" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_9fee0b0b-edee-4f1c-9e3e-7329c5bf6fb7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_9fee0b0b-edee-4f1c-9e3e-7329c5bf6fb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectAbstract_a819d372-6911-428b-93f9-ffb02e2e7f03" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectAbstract_a819d372-6911-428b-93f9-ffb02e2e7f03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_51858563-9d36-423b-bd50-c9954b1d1c3f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectAbstract_a819d372-6911-428b-93f9-ffb02e2e7f03" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_51858563-9d36-423b-bd50-c9954b1d1c3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_ddd903f1-561a-4d32-a8e2-b15cf687d128" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectAbstract_a819d372-6911-428b-93f9-ffb02e2e7f03" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_ddd903f1-561a-4d32-a8e2-b15cf687d128" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_69cd290c-5b52-47d9-92b1-2740eba598a7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_69cd290c-5b52-47d9-92b1-2740eba598a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_f6499c31-2391-4a66-98b7-0e815b30d702" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_69cd290c-5b52-47d9-92b1-2740eba598a7" xlink:to="loc_us-gaap_InterestPaidNet_f6499c31-2391-4a66-98b7-0e815b30d702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid_8d61d916-017a-4c27-a473-bce7a9ea2a64" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_69cd290c-5b52-47d9-92b1-2740eba598a7" xlink:to="loc_us-gaap_IncomeTaxesPaid_8d61d916-017a-4c27-a473-bce7a9ea2a64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_62cf08d4-2915-4dfc-b872-ad4a75b1e5b1" xlink:to="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ReclassificationOfCommonStockWarrantLiabilityRelatedToCashlessExercise_f74d6ab9-0240-41c7-add4-d7b6051a9c74" xlink:href="upst-20211231.xsd#upst_ReclassificationOfCommonStockWarrantLiabilityRelatedToCashlessExercise"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_ReclassificationOfCommonStockWarrantLiabilityRelatedToCashlessExercise_f74d6ab9-0240-41c7-add4-d7b6051a9c74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ReclassificationOfPreferredStockWarrantLiabilityRelatedToCashlessExercise_8573fc46-aef5-4c33-8802-a85d80786f35" xlink:href="upst-20211231.xsd#upst_ReclassificationOfPreferredStockWarrantLiabilityRelatedToCashlessExercise"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_ReclassificationOfPreferredStockWarrantLiabilityRelatedToCashlessExercise_8573fc46-aef5-4c33-8802-a85d80786f35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ReclassificationOfCommonStockWarrantLiabilityToEquityUponTerminationOfRepurchaseOption_302b3cc7-ef7d-4a25-90c6-2259fdc7431f" xlink:href="upst-20211231.xsd#upst_ReclassificationOfCommonStockWarrantLiabilityToEquityUponTerminationOfRepurchaseOption"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_ReclassificationOfCommonStockWarrantLiabilityToEquityUponTerminationOfRepurchaseOption_302b3cc7-ef7d-4a25-90c6-2259fdc7431f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_3ac58c1f-8faf-4104-b704-3f9ad748bcf9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_3ac58c1f-8faf-4104-b704-3f9ad748bcf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DerecognitionOfLoansHeldForInvestmentInConsolidatedVIE_23aa2d24-809d-4ef7-8cf3-48c5188d198c" xlink:href="upst-20211231.xsd#upst_DerecognitionOfLoansHeldForInvestmentInConsolidatedVIE"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_DerecognitionOfLoansHeldForInvestmentInConsolidatedVIE_23aa2d24-809d-4ef7-8cf3-48c5188d198c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DerecognitionOfPayableToSecuritizationNoteHoldersAndResidualCertificateHolders_06af2cb5-69a2-4a01-8b41-4fe297e3f361" xlink:href="upst-20211231.xsd#upst_DerecognitionOfPayableToSecuritizationNoteHoldersAndResidualCertificateHolders"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_DerecognitionOfPayableToSecuritizationNoteHoldersAndResidualCertificateHolders_06af2cb5-69a2-4a01-8b41-4fe297e3f361" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DerecognitionOfNotesPayableHeldInConsolidatedVIE_180d20b7-b404-4043-baef-f3f2c08c1624" xlink:href="upst-20211231.xsd#upst_DerecognitionOfNotesPayableHeldInConsolidatedVIE"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_DerecognitionOfNotesPayableHeldInConsolidatedVIE_180d20b7-b404-4043-baef-f3f2c08c1624" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions_66db2904-1b88-44e3-a64f-2d1855ddb9fd" xlink:href="upst-20211231.xsd#upst_SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions_66db2904-1b88-44e3-a64f-2d1855ddb9fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TransferOfNotesReceivableAndResidualCertificateOnDeconsolidationOfVIE_87206cb0-6508-46b6-a162-a493ab137670" xlink:href="upst-20211231.xsd#upst_TransferOfNotesReceivableAndResidualCertificateOnDeconsolidationOfVIE"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_upst_TransferOfNotesReceivableAndResidualCertificateOnDeconsolidationOfVIE_87206cb0-6508-46b6-a162-a493ab137670" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_8270bd6f-6ce4-404e-b52f-3674c58025d5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_5aaa49ef-0d3b-479d-8d9d-2cea21a8fa9d" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_8270bd6f-6ce4-404e-b52f-3674c58025d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofCashFlowsParenthetical" xlink:type="simple" xlink:href="upst-20211231.xsd#CondensedConsolidatedStatementsofCashFlowsParenthetical"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofCashFlowsParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_2f01a991-208f-4368-a5bd-5228d7b20b83" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_f1eb2de8-45fc-4f71-ab28-cd8ccd13b47a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_2f01a991-208f-4368-a5bd-5228d7b20b83" xlink:to="loc_us-gaap_StatementTable_f1eb2de8-45fc-4f71-ab28-cd8ccd13b47a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_e530fbfc-190d-4de9-980e-d5237b4a11cf" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_f1eb2de8-45fc-4f71-ab28-cd8ccd13b47a" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_e530fbfc-190d-4de9-980e-d5237b4a11cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_a6b92fed-8635-4fac-87f4-d9bd030ab116" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_e530fbfc-190d-4de9-980e-d5237b4a11cf" xlink:to="loc_us-gaap_RelatedPartyDomain_a6b92fed-8635-4fac-87f4-d9bd030ab116" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AffiliatedEntityMember_f472a206-912e-40bf-a760-e0358de51be9" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_AffiliatedEntityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_a6b92fed-8635-4fac-87f4-d9bd030ab116" xlink:to="loc_srt_AffiliatedEntityMember_f472a206-912e-40bf-a760-e0358de51be9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_89b0c710-fa34-473d-8256-18a44b1b565d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_f1eb2de8-45fc-4f71-ab28-cd8ccd13b47a" xlink:to="loc_us-gaap_StatementLineItems_89b0c710-fa34-473d-8256-18a44b1b565d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities_7380cfc5-56a4-4822-86be-50bfe158bd45" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_89b0c710-fa34-473d-8256-18a44b1b565d" xlink:to="loc_us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities_7380cfc5-56a4-4822-86be-50bfe158bd45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentsMadeOnSecuritizationNotesAndCertificates_eb1ee660-f77c-467f-9481-93d2edd12719" xlink:href="upst-20211231.xsd#upst_PaymentsMadeOnSecuritizationNotesAndCertificates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_89b0c710-fa34-473d-8256-18a44b1b565d" xlink:to="loc_upst_PaymentsMadeOnSecuritizationNotesAndCertificates_eb1ee660-f77c-467f-9481-93d2edd12719" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPolicies" xlink:type="simple" xlink:href="upst-20211231.xsd#DescriptionofBusinessandSignificantAccountingPolicies"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_371b124e-6ccf-4791-aeec-e927becd22ee" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_1f71c62f-f2a6-4b92-a9d9-ba8298c32124" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_371b124e-6ccf-4791-aeec-e927becd22ee" xlink:to="loc_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_1f71c62f-f2a6-4b92-a9d9-ba8298c32124" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPoliciesPolicies" xlink:type="simple" xlink:href="upst-20211231.xsd#DescriptionofBusinessandSignificantAccountingPoliciesPolicies"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPoliciesPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_a86aec15-2b9f-48ac-b28c-60647b643ebc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_a86aec15-2b9f-48ac-b28c-60647b643ebc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_de573174-5e67-4999-910d-89798921c435" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_de573174-5e67-4999-910d-89798921c435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates_e6af8c07-bdeb-440b-9d19-7466cea4fc43" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UseOfEstimates"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_UseOfEstimates_e6af8c07-bdeb-440b-9d19-7466cea4fc43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationVariableInterestEntityPolicy_50c80d59-8117-41f3-85dd-29dfe1e2b907" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConsolidationVariableInterestEntityPolicy"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_ConsolidationVariableInterestEntityPolicy_50c80d59-8117-41f3-85dd-29dfe1e2b907" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_1109dc5a-6121-4a2d-8738-da9a57473a42" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_1109dc5a-6121-4a2d-8738-da9a57473a42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy_1a4068a7-04ab-41cb-8290-38d393aa8c62" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy_1a4068a7-04ab-41cb-8290-38d393aa8c62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FinancialInstrumentsNotMeasuredAtFairValuePolicyTextBlock_70e56e7e-c64d-4d6d-88a5-2b9c9c6ecf27" xlink:href="upst-20211231.xsd#upst_FinancialInstrumentsNotMeasuredAtFairValuePolicyTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_upst_FinancialInstrumentsNotMeasuredAtFairValuePolicyTextBlock_70e56e7e-c64d-4d6d-88a5-2b9c9c6ecf27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy_466c12a8-30d5-401f-a727-090638bda355" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy_466c12a8-30d5-401f-a727-090638bda355" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_15597060-c1e8-4ade-8df1-756887259e09" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_15597060-c1e8-4ade-8df1-756887259e09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_1c6d73e9-50d2-4674-b9a0-cb9000b9f8bc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_1c6d73e9-50d2-4674-b9a0-cb9000b9f8bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalUseSoftwarePolicy_08d1cbac-365c-4f64-8874-062adea62f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InternalUseSoftwarePolicy"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_InternalUseSoftwarePolicy_08d1cbac-365c-4f64-8874-062adea62f5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_f02cd175-4eec-4282-b187-e01decc915bb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_f02cd175-4eec-4282-b187-e01decc915bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeLeasesPolicyTextBlock_def4ab74-e89e-46c0-8ee2-ed7c0fb996d2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeLeasesPolicyTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_LesseeLeasesPolicyTextBlock_def4ab74-e89e-46c0-8ee2-ed7c0fb996d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRecognitionPolicyTextBlock_61b10ed4-e3c1-4531-a3af-d306625ade00" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueRecognitionPolicyTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_RevenueRecognitionPolicyTextBlock_61b10ed4-e3c1-4531-a3af-d306625ade00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_OperatingExpensesPolicyPolicyTextBlock_c038cac7-994a-42e3-92d3-06bfe7369831" xlink:href="upst-20211231.xsd#upst_OperatingExpensesPolicyPolicyTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_upst_OperatingExpensesPolicyPolicyTextBlock_c038cac7-994a-42e3-92d3-06bfe7369831" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_89442d24-e822-4fa1-8628-ae0f0149e946" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_89442d24-e822-4fa1-8628-ae0f0149e946" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsPolicy_9491c9ee-c5c8-4fa0-bdbd-71004e1cd807" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationsPolicy"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_BusinessCombinationsPolicy_9491c9ee-c5c8-4fa0-bdbd-71004e1cd807" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock_33852d0a-3034-44ce-b78c-ee4dd7f2bf16" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentPolicyTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_InvestmentPolicyTextBlock_33852d0a-3034-44ce-b78c-ee4dd7f2bf16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_311b7d61-68c3-4eba-a37a-88408ac6950b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_311b7d61-68c3-4eba-a37a-88408ac6950b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock_b46643f3-add0-4cf0-aa1b-be8e9f32011f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_IncomeTaxPolicyTextBlock_b46643f3-add0-4cf0-aa1b-be8e9f32011f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_OtherIncomeExpensePolicyPolicyTextBlock_c829a0de-f411-46c4-8c27-d8cdcfb51e33" xlink:href="upst-20211231.xsd#upst_OtherIncomeExpensePolicyPolicyTextBlock"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_upst_OtherIncomeExpensePolicyPolicyTextBlock_c829a0de-f411-46c4-8c27-d8cdcfb51e33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerSharePolicyTextBlock_9f97e0ec-ed88-4898-87d6-585c20afb90f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_EarningsPerSharePolicyTextBlock_9f97e0ec-ed88-4898-87d6-585c20afb90f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_dc5ac8c6-6462-472f-bfcb-07dd3f469f10" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_4abb5b4a-9e5d-4eb8-91b4-b4439ddd9bb5" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_dc5ac8c6-6462-472f-bfcb-07dd3f469f10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPoliciesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#DescriptionofBusinessandSignificantAccountingPoliciesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPoliciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_fbbc7b6a-464f-47f9-ba5e-93d49fda78e4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_fbbc7b6a-464f-47f9-ba5e-93d49fda78e4" xlink:to="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_b54fc05e-55bc-4ab1-98a9-898f8b3c265e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:to="loc_us-gaap_DebtInstrumentAxis_b54fc05e-55bc-4ab1-98a9-898f8b3c265e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_1699da7f-c742-44f8-a609-a9b7adccf460" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_b54fc05e-55bc-4ab1-98a9-898f8b3c265e" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_1699da7f-c742-44f8-a609-a9b7adccf460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaycheckProtectionProgramLoanCARESActMember_d1b314ff-532e-4c33-9d0a-b24014dca089" xlink:href="upst-20211231.xsd#upst_PaycheckProtectionProgramLoanCARESActMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1699da7f-c742-44f8-a609-a9b7adccf460" xlink:to="loc_upst_PaycheckProtectionProgramLoanCARESActMember_d1b314ff-532e-4c33-9d0a-b24014dca089" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_26033aff-79e4-4d32-aef2-3c832386615b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_26033aff-79e4-4d32-aef2-3c832386615b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_eb67890e-8c15-4523-80bf-d54b11c8c25d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_26033aff-79e4-4d32-aef2-3c832386615b" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_eb67890e-8c15-4523-80bf-d54b11c8c25d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PublicStockOfferingMember_c2e40e16-ffac-4b46-90fd-061ee3331171" xlink:href="upst-20211231.xsd#upst_PublicStockOfferingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_eb67890e-8c15-4523-80bf-d54b11c8c25d" xlink:to="loc_upst_PublicStockOfferingMember_c2e40e16-ffac-4b46-90fd-061ee3331171" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OverAllotmentOptionMember_3fb974c5-28cf-41d9-814a-fdaa06d8c002" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OverAllotmentOptionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_eb67890e-8c15-4523-80bf-d54b11c8c25d" xlink:to="loc_us-gaap_OverAllotmentOptionMember_3fb974c5-28cf-41d9-814a-fdaa06d8c002" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IPOMember_52cf37bc-0dfc-4862-9db2-a38c4b098f88" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IPOMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_eb67890e-8c15-4523-80bf-d54b11c8c25d" xlink:to="loc_us-gaap_IPOMember_52cf37bc-0dfc-4862-9db2-a38c4b098f88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_528f2e65-16af-4bba-8538-de4c57ca6cd5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:to="loc_us-gaap_StatementClassOfStockAxis_528f2e65-16af-4bba-8538-de4c57ca6cd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_d6fc1c0c-c797-4067-be46-1df0bf65b319" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_528f2e65-16af-4bba-8538-de4c57ca6cd5" xlink:to="loc_us-gaap_ClassOfStockDomain_d6fc1c0c-c797-4067-be46-1df0bf65b319" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBMember_a4e2e4a2-2bad-48df-9c7a-20862ca3680e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SeriesBMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_d6fc1c0c-c797-4067-be46-1df0bf65b319" xlink:to="loc_us-gaap_SeriesBMember_a4e2e4a2-2bad-48df-9c7a-20862ca3680e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_1837bc7d-05eb-47f7-8b5c-8bc6e5c36dcf" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_d6fc1c0c-c797-4067-be46-1df0bf65b319" xlink:to="loc_us-gaap_CommonStockMember_1837bc7d-05eb-47f7-8b5c-8bc6e5c36dcf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_c49ec7ee-e961-4e22-985f-1a18de61456a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_c49ec7ee-e961-4e22-985f-1a18de61456a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1506b06b-09eb-41d3-9032-458621af7c71" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_c49ec7ee-e961-4e22-985f-1a18de61456a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1506b06b-09eb-41d3-9032-458621af7c71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_406186ec-7a18-48d4-8a0b-1ac79b9334e1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1506b06b-09eb-41d3-9032-458621af7c71" xlink:to="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_406186ec-7a18-48d4-8a0b-1ac79b9334e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComputerEquipmentMember_f6492924-fb69-49a4-ad29-f8ae58fc3f28" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComputerEquipmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1506b06b-09eb-41d3-9032-458621af7c71" xlink:to="loc_us-gaap_ComputerEquipmentMember_f6492924-fb69-49a4-ad29-f8ae58fc3f28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember_29947331-5e3f-4540-97cc-7886b9c6daa8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1506b06b-09eb-41d3-9032-458621af7c71" xlink:to="loc_us-gaap_FurnitureAndFixturesMember_29947331-5e3f-4540-97cc-7886b9c6daa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5d894950-3846-4636-9d5f-c5477c7ebaf1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5d894950-3846-4636-9d5f-c5477c7ebaf1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_88abef26-9d6c-4517-bf07-931889dd68cf" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5d894950-3846-4636-9d5f-c5477c7ebaf1" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_88abef26-9d6c-4517-bf07-931889dd68cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_1ed6c1dd-1f2e-4834-8f90-2f8baeb5f72f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_88abef26-9d6c-4517-bf07-931889dd68cf" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_1ed6c1dd-1f2e-4834-8f90-2f8baeb5f72f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_e1107c73-672b-4d38-837d-86cc3e3b5479" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_e1107c73-672b-4d38-837d-86cc3e3b5479" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_cb0abd3f-9a7e-4ea7-a84e-dc7ac0e3a68b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_e1107c73-672b-4d38-837d-86cc3e3b5479" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_cb0abd3f-9a7e-4ea7-a84e-dc7ac0e3a68b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotesMember_436fa148-91d0-4571-8766-215c987e1726" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SeniorNotesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_cb0abd3f-9a7e-4ea7-a84e-dc7ac0e3a68b" xlink:to="loc_us-gaap_SeniorNotesMember_436fa148-91d0-4571-8766-215c987e1726" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermDebtLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_f2481281-f8fd-41f2-853f-73e9b7de5fc9" xlink:to="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_75166b90-bb91-4ccc-b4f3-76804c92c753" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_75166b90-bb91-4ccc-b4f3-76804c92c753" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPricePerShare_dbe168cb-3541-4d46-8d93-7f5b7480bad0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SaleOfStockPricePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_SaleOfStockPricePerShare_dbe168cb-3541-4d46-8d93-7f5b7480bad0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockConsiderationReceivedOnTransaction_93b0cbbf-4e7b-4115-9ea6-f343759ac874" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SaleOfStockConsiderationReceivedOnTransaction"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_SaleOfStockConsiderationReceivedOnTransaction_93b0cbbf-4e7b-4115-9ea6-f343759ac874" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForUnderwritingExpense_0ed54156-bc0f-4cfb-b1b0-246f7cf62585" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForUnderwritingExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_PaymentsForUnderwritingExpense_0ed54156-bc0f-4cfb-b1b0-246f7cf62585" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_StockWarrantsPurchaseOfPreferredSharesShares_7c271eff-82e6-4b4f-9a52-19ab93dab94f" xlink:href="upst-20211231.xsd#upst_StockWarrantsPurchaseOfPreferredSharesShares"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_upst_StockWarrantsPurchaseOfPreferredSharesShares_7c271eff-82e6-4b4f-9a52-19ab93dab94f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PreferredStockConvertedToOtherSecurities_913ca507-4f33-4ade-8a7d-8ca03e71a970" xlink:href="upst-20211231.xsd#upst_PreferredStockConvertedToOtherSecurities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_upst_PreferredStockConvertedToOtherSecurities_913ca507-4f33-4ade-8a7d-8ca03e71a970" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_081c4299-baea-48df-8b6a-0fa9083b5079" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_081c4299-baea-48df-8b6a-0fa9083b5079" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredOfferingCosts_77c3d7d0-eb99-4bcc-aa84-5ff10f4b4267" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredOfferingCosts"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_DeferredOfferingCosts_77c3d7d0-eb99-4bcc-aa84-5ff10f4b4267" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfStockIssuanceCosts_69ed19c3-ac9e-4f84-b75b-8e5a1ea8a242" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfStockIssuanceCosts"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_PaymentsOfStockIssuanceCosts_69ed19c3-ac9e-4f84-b75b-8e5a1ea8a242" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtFairValueDisclosures_cf305312-e297-4195-9ede-9fc0fc467dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebtFairValueDisclosures"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_ConvertibleDebtFairValueDisclosures_cf305312-e297-4195-9ede-9fc0fc467dd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebt_c48bab61-f603-4c6c-9eba-5821fa840737" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_ConvertibleDebt_c48bab61-f603-4c6c-9eba-5821fa840737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives_a70db2b2-a380-47bb-ba17-63e641efc324" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentEstimatedUsefulLives_a70db2b2-a380-47bb-ba17-63e641efc324" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_bb9a601d-a6e3-4933-b4c1-51eb7c65ae72" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_bb9a601d-a6e3-4933-b4c1-51eb7c65ae72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_b963c234-e348-4ccc-8877-2d937b19d77c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_b963c234-e348-4ccc-8877-2d937b19d77c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_c0edc789-d9a7-4058-8d4c-0eeba1c5b9f6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_c0edc789-d9a7-4058-8d4c-0eeba1c5b9f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanPaymentDeferralPeriodCARESAct_73e5949f-c796-457c-8728-0b2f47ba3ed5" xlink:href="upst-20211231.xsd#upst_LoanPaymentDeferralPeriodCARESAct"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_upst_LoanPaymentDeferralPeriodCARESAct_73e5949f-c796-457c-8728-0b2f47ba3ed5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt_85bed305-b95d-4b5a-8760-84b1bcaea159" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_RepaymentsOfDebt_85bed305-b95d-4b5a-8760-84b1bcaea159" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfLongLivedAssetsHeldForUse_eff5def6-416a-4eb1-95ca-8d2b1c6221c3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairmentOfLongLivedAssetsHeldForUse"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_665b50e1-1dfc-4ee2-9668-5f2ff4970a3d" xlink:to="loc_us-gaap_ImpairmentOfLongLivedAssetsHeldForUse_eff5def6-416a-4eb1-95ca-8d2b1c6221c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebt_1e37ab91-a2e7-4376-aa10-e1538d370930" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_fbbc7b6a-464f-47f9-ba5e-93d49fda78e4" xlink:to="loc_us-gaap_ConvertibleDebt_1e37ab91-a2e7-4376-aa10-e1538d370930" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtFairValueDisclosures_d9b4d6cc-fff8-4575-8a22-66b579b33c46" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebtFairValueDisclosures"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_fbbc7b6a-464f-47f9-ba5e-93d49fda78e4" xlink:to="loc_us-gaap_ConvertibleDebtFairValueDisclosures_d9b4d6cc-fff8-4575-8a22-66b579b33c46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/Revenue" xlink:type="simple" xlink:href="upst-20211231.xsd#Revenue"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/Revenue" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4040f88b-4acf-4a46-8d46-1fadff5f408d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_d7f9d248-1c69-4a24-bdd4-c648a56b6120" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4040f88b-4acf-4a46-8d46-1fadff5f408d" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_d7f9d248-1c69-4a24-bdd4-c648a56b6120" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueTables" xlink:type="simple" xlink:href="upst-20211231.xsd#RevenueTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5dedb12f-7ae0-4279-bbf8-cb519c9e729e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_70a763aa-06de-465f-8276-6d548f434022" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5dedb12f-7ae0-4279-bbf8-cb519c9e729e" xlink:to="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_70a763aa-06de-465f-8276-6d548f434022" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRevenueByMajorCustomersByReportingSegmentsTableTextBlock_0258896d-6aa4-44fa-9229-ef9a6a470c1e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfRevenueByMajorCustomersByReportingSegmentsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5dedb12f-7ae0-4279-bbf8-cb519c9e729e" xlink:to="loc_us-gaap_ScheduleOfRevenueByMajorCustomersByReportingSegmentsTableTextBlock_0258896d-6aa4-44fa-9229-ef9a6a470c1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfGainLossOnLoanServicingRightsTableTextBlock_7075b7f6-d25c-4e65-9fcd-3fc017599352" xlink:href="upst-20211231.xsd#upst_ScheduleOfGainLossOnLoanServicingRightsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5dedb12f-7ae0-4279-bbf8-cb519c9e729e" xlink:to="loc_upst_ScheduleOfGainLossOnLoanServicingRightsTableTextBlock_7075b7f6-d25c-4e65-9fcd-3fc017599352" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfFeesAndCommissionsTableTextBlock_a92e08ca-7dec-495c-ab1d-6f4ef47ae650" xlink:href="upst-20211231.xsd#upst_ScheduleOfFeesAndCommissionsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5dedb12f-7ae0-4279-bbf8-cb519c9e729e" xlink:to="loc_upst_ScheduleOfFeesAndCommissionsTableTextBlock_a92e08ca-7dec-495c-ab1d-6f4ef47ae650" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock_e7b6e9e4-804c-43f4-87b7-664188e41499" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5dedb12f-7ae0-4279-bbf8-cb519c9e729e" xlink:to="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock_e7b6e9e4-804c-43f4-87b7-664188e41499" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueDisaggregationofRevenueDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#RevenueDisaggregationofRevenueDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueDisaggregationofRevenueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_f496cbe5-07ab-4cf6-b9c3-36b0fb30902e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_89eb48d5-b96d-476a-8283-9732783c4377" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_f496cbe5-07ab-4cf6-b9c3-36b0fb30902e" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_89eb48d5-b96d-476a-8283-9732783c4377" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_4ef44cc2-da9a-4e44-b292-1f0d5aef4a3f" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_89eb48d5-b96d-476a-8283-9732783c4377" xlink:to="loc_srt_ProductOrServiceAxis_4ef44cc2-da9a-4e44-b292-1f0d5aef4a3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_ab04f330-e45e-4149-a9e2-84443765f7d0" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_4ef44cc2-da9a-4e44-b292-1f0d5aef4a3f" xlink:to="loc_srt_ProductsAndServicesDomain_ab04f330-e45e-4149-a9e2-84443765f7d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PlatformAndReferralFeesNetMember_5a7604d6-39f0-4f62-9f10-114b5b38c059" xlink:href="upst-20211231.xsd#upst_PlatformAndReferralFeesNetMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_ab04f330-e45e-4149-a9e2-84443765f7d0" xlink:to="loc_upst_PlatformAndReferralFeesNetMember_5a7604d6-39f0-4f62-9f10-114b5b38c059" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingFeesNetMember_d02e276e-63a5-43da-b4c9-2b7a74e06469" xlink:href="upst-20211231.xsd#upst_ServicingFeesNetMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_ab04f330-e45e-4149-a9e2-84443765f7d0" xlink:to="loc_upst_ServicingFeesNetMember_d02e276e-63a5-43da-b4c9-2b7a74e06469" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_a6035f39-2da7-49d3-90c8-14427cb3bf71" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_89eb48d5-b96d-476a-8283-9732783c4377" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_a6035f39-2da7-49d3-90c8-14427cb3bf71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_d61bbf75-0f1a-41ef-92f2-90f37d37fd97" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_a6035f39-2da7-49d3-90c8-14427cb3bf71" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_d61bbf75-0f1a-41ef-92f2-90f37d37fd97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#RevenueNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_f18d9204-2971-4708-b0c6-dced2f0bec22" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_8b0a1414-2c23-455f-8328-a287d29a0379" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_f18d9204-2971-4708-b0c6-dced2f0bec22" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_8b0a1414-2c23-455f-8328-a287d29a0379" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_49375d38-ff7b-47cb-ba77-1cce43b5ee3c" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_8b0a1414-2c23-455f-8328-a287d29a0379" xlink:to="loc_srt_ProductOrServiceAxis_49375d38-ff7b-47cb-ba77-1cce43b5ee3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_d5f2f6b7-1559-40d5-9c00-dca71f932565" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_49375d38-ff7b-47cb-ba77-1cce43b5ee3c" xlink:to="loc_srt_ProductsAndServicesDomain_d5f2f6b7-1559-40d5-9c00-dca71f932565" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PlatformAndReferralFeesNetMember_467b7a2e-6e45-451e-b2b7-07d1f9d2144f" xlink:href="upst-20211231.xsd#upst_PlatformAndReferralFeesNetMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_d5f2f6b7-1559-40d5-9c00-dca71f932565" xlink:to="loc_upst_PlatformAndReferralFeesNetMember_467b7a2e-6e45-451e-b2b7-07d1f9d2144f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_d6e50299-d49e-481c-a05f-87321f389193" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MajorCustomersAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_8b0a1414-2c23-455f-8328-a287d29a0379" xlink:to="loc_srt_MajorCustomersAxis_d6e50299-d49e-481c-a05f-87321f389193" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_331dabb0-1b58-40dc-8b68-27568060dbbe" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MajorCustomersAxis_d6e50299-d49e-481c-a05f-87321f389193" xlink:to="loc_srt_NameOfMajorCustomerDomain_331dabb0-1b58-40dc-8b68-27568060dbbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_Customer1Member_3ad36d26-9fe3-490e-a18e-0572f33ec376" xlink:href="upst-20211231.xsd#upst_Customer1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_331dabb0-1b58-40dc-8b68-27568060dbbe" xlink:to="loc_upst_Customer1Member_3ad36d26-9fe3-490e-a18e-0572f33ec376" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_Customer2Member_2be8c9f4-af3c-4c27-9ea0-ba56137d59b8" xlink:href="upst-20211231.xsd#upst_Customer2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_331dabb0-1b58-40dc-8b68-27568060dbbe" xlink:to="loc_upst_Customer2Member_2be8c9f4-af3c-4c27-9ea0-ba56137d59b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_Customer3Member_4bc9d3af-e7ea-4695-a4b0-7068cebe73e0" xlink:href="upst-20211231.xsd#upst_Customer3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_331dabb0-1b58-40dc-8b68-27568060dbbe" xlink:to="loc_upst_Customer3Member_4bc9d3af-e7ea-4695-a4b0-7068cebe73e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_88e49086-a97c-45f6-9460-e7d4d1485fd5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_8b0a1414-2c23-455f-8328-a287d29a0379" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_88e49086-a97c-45f6-9460-e7d4d1485fd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_e7bb3d02-9908-4271-9959-9a985424a954" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_88e49086-a97c-45f6-9460-e7d4d1485fd5" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_e7bb3d02-9908-4271-9959-9a985424a954" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerConcentrationRiskMember_a4f67555-21eb-4c84-9cc1-e79982973bb0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CustomerConcentrationRiskMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_e7bb3d02-9908-4271-9959-9a985424a954" xlink:to="loc_us-gaap_CustomerConcentrationRiskMember_a4f67555-21eb-4c84-9cc1-e79982973bb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_ead41add-ee15-4775-b1db-5f8c23eee12c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_8b0a1414-2c23-455f-8328-a287d29a0379" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_ead41add-ee15-4775-b1db-5f8c23eee12c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_0945b53a-908a-4059-b877-b81e8b1ef2f3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_ead41add-ee15-4775-b1db-5f8c23eee12c" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_0945b53a-908a-4059-b877-b81e8b1ef2f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesRevenueNetMember_bb575e55-2b72-4ef2-a7cb-2775c25d4f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SalesRevenueNetMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_0945b53a-908a-4059-b877-b81e8b1ef2f3" xlink:to="loc_us-gaap_SalesRevenueNetMember_bb575e55-2b72-4ef2-a7cb-2775c25d4f7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableMember_27da1587-199c-4342-8d5c-ef425563d845" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_0945b53a-908a-4059-b877-b81e8b1ef2f3" xlink:to="loc_us-gaap_AccountsReceivableMember_27da1587-199c-4342-8d5c-ef425563d845" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_8b0a1414-2c23-455f-8328-a287d29a0379" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanPremiumFeesAndLoanTrailingFees_0afd45ef-549a-454c-bdda-0bf26878d2ce" xlink:href="upst-20211231.xsd#upst_LoanPremiumFeesAndLoanTrailingFees"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:to="loc_upst_LoanPremiumFeesAndLoanTrailingFees_0afd45ef-549a-454c-bdda-0bf26878d2ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilityAtFairValueAmount_58d43dd1-4b30-49f0-a120-ebb8b6209981" xlink:href="upst-20211231.xsd#upst_TrailingFeeLiabilityAtFairValueAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:to="loc_upst_TrailingFeeLiabilityAtFairValueAmount_58d43dd1-4b30-49f0-a120-ebb8b6209981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_1d23ed85-7a3a-403d-85ba-4cb7f4babdf7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedFeesAndOtherRevenueReceivable"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:to="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_1d23ed85-7a3a-403d-85ba-4cb7f4babdf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedContractCostAmortizationPeriod_f7ce6db6-8bb8-41dd-b9a1-a2651593db3e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CapitalizedContractCostAmortizationPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:to="loc_us-gaap_CapitalizedContractCostAmortizationPeriod_f7ce6db6-8bb8-41dd-b9a1-a2651593db3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_8adf3ad3-e6a7-4d4a-8493-fa568893d606" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_8adf3ad3-e6a7-4d4a-8493-fa568893d606" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingFeesForCoSponsoredSecuritizationTransactions_70413cb8-e736-4cd1-acde-f2d99d5faf6f" xlink:href="upst-20211231.xsd#upst_ServicingFeesForCoSponsoredSecuritizationTransactions"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:to="loc_upst_ServicingFeesForCoSponsoredSecuritizationTransactions_70413cb8-e736-4cd1-acde-f2d99d5faf6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_d26e9e8c-ccbd-47fe-b016-f0e44e8f5421" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8b97f085-9d46-4625-9ee7-cd8dc930df2c" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_d26e9e8c-ccbd-47fe-b016-f0e44e8f5421" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueLoanServicingRightsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#RevenueLoanServicingRightsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueLoanServicingRightsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_ebe9a7e4-23e5-427f-9a1b-b10f8e5cfb65" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NetGainLossRelatedToLoanServicingRights_a9374ee4-68cf-42a7-a4ae-326f78521ac1" xlink:href="upst-20211231.xsd#upst_NetGainLossRelatedToLoanServicingRights"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_ebe9a7e4-23e5-427f-9a1b-b10f8e5cfb65" xlink:to="loc_upst_NetGainLossRelatedToLoanServicingRights_a9374ee4-68cf-42a7-a4ae-326f78521ac1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueFeesCollectedDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#RevenueFeesCollectedDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueFeesCollectedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_072c62c7-68e0-4154-8306-9ad5590fe42c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_4e139d0d-e53a-43ea-a9e3-daedc7a895a4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_072c62c7-68e0-4154-8306-9ad5590fe42c" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_4e139d0d-e53a-43ea-a9e3-daedc7a895a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_1d7ce237-a8ab-45aa-bcc8-99b6909d2894" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_4e139d0d-e53a-43ea-a9e3-daedc7a895a4" xlink:to="loc_srt_ProductOrServiceAxis_1d7ce237-a8ab-45aa-bcc8-99b6909d2894" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_c8876f8e-867e-4eac-b5b1-c5096250b0cd" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_1d7ce237-a8ab-45aa-bcc8-99b6909d2894" xlink:to="loc_srt_ProductsAndServicesDomain_c8876f8e-867e-4eac-b5b1-c5096250b0cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CollectionAgencyFeesMember_b8856ef0-073f-4695-8da7-8c50fdd922a1" xlink:href="upst-20211231.xsd#upst_CollectionAgencyFeesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_c8876f8e-867e-4eac-b5b1-c5096250b0cd" xlink:to="loc_upst_CollectionAgencyFeesMember_b8856ef0-073f-4695-8da7-8c50fdd922a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BorrowerFeesMember_6b379212-2abd-4576-9db5-16d2403c275e" xlink:href="upst-20211231.xsd#upst_BorrowerFeesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_c8876f8e-867e-4eac-b5b1-c5096250b0cd" xlink:to="loc_upst_BorrowerFeesMember_6b379212-2abd-4576-9db5-16d2403c275e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_f125d4ef-b94a-438d-9f10-af38364820b7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_4e139d0d-e53a-43ea-a9e3-daedc7a895a4" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_f125d4ef-b94a-438d-9f10-af38364820b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_e9056c9b-8930-440a-82cc-375e1f258a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_f125d4ef-b94a-438d-9f10-af38364820b7" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_e9056c9b-8930-440a-82cc-375e1f258a7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueInterestIncomeandFairValueAdjustmentsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#RevenueInterestIncomeandFairValueAdjustmentsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueInterestIncomeandFairValueAdjustmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5784f90b-17cf-4b38-9112-dff3f5020c0f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_2d97cce6-2a41-4d27-a409-0be7538cb7ff" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_5784f90b-17cf-4b38-9112-dff3f5020c0f" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_2d97cce6-2a41-4d27-a409-0be7538cb7ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_1edb058a-acb7-4e5a-8f1a-daef13c5662b" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_2d97cce6-2a41-4d27-a409-0be7538cb7ff" xlink:to="loc_srt_ConsolidatedEntitiesAxis_1edb058a-acb7-4e5a-8f1a-daef13c5662b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_f55b8fc8-6885-4766-89f4-b593373d08ce" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_1edb058a-acb7-4e5a-8f1a-daef13c5662b" xlink:to="loc_srt_ConsolidatedEntitiesDomain_f55b8fc8-6885-4766-89f4-b593373d08ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_744ec83a-e2bf-4f11-8fe0-c1b4f891fbbe" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_f55b8fc8-6885-4766-89f4-b593373d08ce" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_744ec83a-e2bf-4f11-8fe0-c1b4f891fbbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_2d97cce6-2a41-4d27-a409-0be7538cb7ff" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_7c6988f1-53d3-4c4c-b5d2-51cbf8d02b85" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_7c6988f1-53d3-4c4c-b5d2-51cbf8d02b85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_167edc3b-1cb5-4909-a4a2-eb6ee7459aed" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:to="loc_us-gaap_InterestExpense_167edc3b-1cb5-4909-a4a2-eb6ee7459aed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueAndOtherAdjustmentsNet_a0c00ee3-f135-49b6-9d34-6390f4e3185d" xlink:href="upst-20211231.xsd#upst_FairValueAndOtherAdjustmentsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:to="loc_upst_FairValueAndOtherAdjustmentsNet_a0c00ee3-f135-49b6-9d34-6390f4e3185d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_InterestIncomeAndFairValueAdjustmentNet_cfe36464-6975-4e28-afa4-bfd7638342e4" xlink:href="upst-20211231.xsd#upst_InterestIncomeAndFairValueAdjustmentNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:to="loc_upst_InterestIncomeAndFairValueAdjustmentNet_cfe36464-6975-4e28-afa4-bfd7638342e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_GainLossOnTransferOfLoans_d96b8df1-58ae-4af8-bd9e-98fb294c113f" xlink:href="upst-20211231.xsd#upst_GainLossOnTransferOfLoans"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:to="loc_upst_GainLossOnTransferOfLoans_d96b8df1-58ae-4af8-bd9e-98fb294c113f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncomeFromCapitalMarketProgram_bcb56169-4977-4306-b939-007955327358" xlink:href="upst-20211231.xsd#upst_IncomeFromCapitalMarketProgram"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_edfce59e-f994-4f7d-b94b-a003894acf43" xlink:to="loc_upst_IncomeFromCapitalMarketProgram_bcb56169-4977-4306-b939-007955327358" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntities" xlink:type="simple" xlink:href="upst-20211231.xsd#SecuritizationsandVariableInterestEntities"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_96f0dc3d-130a-4110-8a04-095a267711bf" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_67ac3c59-2e7c-424c-bac6-ba8999a79cb6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_96f0dc3d-130a-4110-8a04-095a267711bf" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_67ac3c59-2e7c-424c-bac6-ba8999a79cb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntitiesTables" xlink:type="simple" xlink:href="upst-20211231.xsd#SecuritizationsandVariableInterestEntitiesTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntitiesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_b462da98-16c2-4315-ba83-2e7cf3583f66" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_2988ce73-e95d-46ed-a7a7-f51ebf034c61" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_b462da98-16c2-4315-ba83-2e7cf3583f66" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_2988ce73-e95d-46ed-a7a7-f51ebf034c61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntitiesNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#SecuritizationsandVariableInterestEntitiesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_2b683c18-c15d-4def-8e68-97709641656d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_cbd5a5e2-2ab5-4c3b-8d50-4d564a4f4ec0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_2b683c18-c15d-4def-8e68-97709641656d" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_cbd5a5e2-2ab5-4c3b-8d50-4d564a4f4ec0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_7dc80608-272c-488d-9f29-93e3f0d35520" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_cbd5a5e2-2ab5-4c3b-8d50-4d564a4f4ec0" xlink:to="loc_srt_ConsolidatedEntitiesAxis_7dc80608-272c-488d-9f29-93e3f0d35520" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_ea3c466c-bfc5-4f0b-b77c-60105b1824ec" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7dc80608-272c-488d-9f29-93e3f0d35520" xlink:to="loc_srt_ConsolidatedEntitiesDomain_ea3c466c-bfc5-4f0b-b77c-60105b1824ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_4992bd78-1aed-47e9-9606-8efd178f65fc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_ea3c466c-bfc5-4f0b-b77c-60105b1824ec" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_4992bd78-1aed-47e9-9606-8efd178f65fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_043f40ef-0987-4de2-9bdb-730f39894905" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_cbd5a5e2-2ab5-4c3b-8d50-4d564a4f4ec0" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_043f40ef-0987-4de2-9bdb-730f39894905" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_db343572-b209-43e6-8d85-7744fbcb9505" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_043f40ef-0987-4de2-9bdb-730f39894905" xlink:to="loc_us-gaap_ReceivableTypeDomain_db343572-b209-43e6-8d85-7744fbcb9505" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NotesReceivableAndResidualCertificatesMember_b2f53915-fdac-4a27-821f-b831cba3b564" xlink:href="upst-20211231.xsd#upst_NotesReceivableAndResidualCertificatesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_db343572-b209-43e6-8d85-7744fbcb9505" xlink:to="loc_upst_NotesReceivableAndResidualCertificatesMember_b2f53915-fdac-4a27-821f-b831cba3b564" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_fe00e788-2f1b-4bb5-9334-824b0de62e94" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_cbd5a5e2-2ab5-4c3b-8d50-4d564a4f4ec0" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_fe00e788-2f1b-4bb5-9334-824b0de62e94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_cdc03820-dd8a-4af0-b340-c8f4be7627ec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_fe00e788-2f1b-4bb5-9334-824b0de62e94" xlink:to="loc_us-gaap_NotesReceivableNet_cdc03820-dd8a-4af0-b340-c8f4be7627ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_fc5d6153-7484-41f6-9107-7fb8f7e06522" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_fe00e788-2f1b-4bb5-9334-824b0de62e94" xlink:to="loc_us-gaap_RestrictedCash_fc5d6153-7484-41f6-9107-7fb8f7e06522" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NumberOfSponsoredSecuritizationTransactions_47a75898-7e3c-489f-9138-7ecc8e08eb0d" xlink:href="upst-20211231.xsd#upst_NumberOfSponsoredSecuritizationTransactions"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_fe00e788-2f1b-4bb5-9334-824b0de62e94" xlink:to="loc_upst_NumberOfSponsoredSecuritizationTransactions_47a75898-7e3c-489f-9138-7ecc8e08eb0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntitiesAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#SecuritizationsandVariableInterestEntitiesAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/SecuritizationsandVariableInterestEntitiesAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_a168d389-e63b-43bc-be4e-fbb5f3ac26ab" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_9ac4785c-da8a-4612-a29b-6e4d1d0461d3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_a168d389-e63b-43bc-be4e-fbb5f3ac26ab" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_9ac4785c-da8a-4612-a29b-6e4d1d0461d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_904076f6-6823-4878-9739-3a5f62097af9" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_9ac4785c-da8a-4612-a29b-6e4d1d0461d3" xlink:to="loc_srt_ConsolidatedEntitiesAxis_904076f6-6823-4878-9739-3a5f62097af9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_1a063719-3f8f-48c9-8f53-b0c61740bb26" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_904076f6-6823-4878-9739-3a5f62097af9" xlink:to="loc_srt_ConsolidatedEntitiesDomain_1a063719-3f8f-48c9-8f53-b0c61740bb26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_520d4778-ff65-4ed8-a3c4-6956a4154cf8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_1a063719-3f8f-48c9-8f53-b0c61740bb26" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_520d4778-ff65-4ed8-a3c4-6956a4154cf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_8e4bbdfd-94d4-48df-bbd2-caedb49f6230" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_1a063719-3f8f-48c9-8f53-b0c61740bb26" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_8e4bbdfd-94d4-48df-bbd2-caedb49f6230" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_985cc400-e394-4458-9d78-9e4a8bea38ae" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_CounterpartyNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_9ac4785c-da8a-4612-a29b-6e4d1d0461d3" xlink:to="loc_srt_CounterpartyNameAxis_985cc400-e394-4458-9d78-9e4a8bea38ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ecb359b0-5491-4c2b-8233-4b83b3be7e39" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CounterpartyNameAxis_985cc400-e394-4458-9d78-9e4a8bea38ae" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ecb359b0-5491-4c2b-8233-4b83b3be7e39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WarehouseEntityMember_e7d426da-8c79-4640-bbd2-7d08f2254601" xlink:href="upst-20211231.xsd#upst_WarehouseEntityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ecb359b0-5491-4c2b-8233-4b83b3be7e39" xlink:to="loc_upst_WarehouseEntityMember_e7d426da-8c79-4640-bbd2-7d08f2254601" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_MajorityOwnedAffiliatesMember_c1958009-0c64-42ab-b973-e3a7fd48ebd6" xlink:href="upst-20211231.xsd#upst_MajorityOwnedAffiliatesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ecb359b0-5491-4c2b-8233-4b83b3be7e39" xlink:to="loc_upst_MajorityOwnedAffiliatesMember_c1958009-0c64-42ab-b973-e3a7fd48ebd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_OtherVariableInterestEntitiesMember_981fd9e7-9da1-4cb8-b558-f425a420ab6a" xlink:href="upst-20211231.xsd#upst_OtherVariableInterestEntitiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ecb359b0-5491-4c2b-8233-4b83b3be7e39" xlink:to="loc_upst_OtherVariableInterestEntitiesMember_981fd9e7-9da1-4cb8-b558-f425a420ab6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SecuritizationsMember_f7030be0-2dee-4314-bb8d-827477b9c047" xlink:href="upst-20211231.xsd#upst_SecuritizationsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ecb359b0-5491-4c2b-8233-4b83b3be7e39" xlink:to="loc_upst_SecuritizationsMember_f7030be0-2dee-4314-bb8d-827477b9c047" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_3323b2c6-52e1-441f-be7a-8a098edf9dc0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_9ac4785c-da8a-4612-a29b-6e4d1d0461d3" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_3323b2c6-52e1-441f-be7a-8a098edf9dc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_b3939492-c64b-4516-a9d6-6c481635d64e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_3323b2c6-52e1-441f-be7a-8a098edf9dc0" xlink:to="loc_us-gaap_Assets_b3939492-c64b-4516-a9d6-6c481635d64e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_176105eb-80e9-4bf7-8894-7000912ff56e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_3323b2c6-52e1-441f-be7a-8a098edf9dc0" xlink:to="loc_us-gaap_Liabilities_176105eb-80e9-4bf7-8894-7000912ff56e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_ea2bdac5-c73a-4a0d-9edd-e0d9744114fd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_3323b2c6-52e1-441f-be7a-8a098edf9dc0" xlink:to="loc_us-gaap_StockholdersEquity_ea2bdac5-c73a-4a0d-9edd-e0d9744114fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_79bff9a7-5cbe-4a80-a536-581d51c284db" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_3323b2c6-52e1-441f-be7a-8a098edf9dc0" xlink:to="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_79bff9a7-5cbe-4a80-a536-581d51c284db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurement" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurement"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurement" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_853eba6c-17cf-48df-8b01-fb597b367fd6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_edb66c6d-b6e5-4cf6-8c29-d4d16f722776" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_853eba6c-17cf-48df-8b01-fb597b367fd6" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_edb66c6d-b6e5-4cf6-8c29-d4d16f722776" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementTables" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_dad7951e-eac6-46e4-91bb-26b45ba0ba84" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_dad7951e-eac6-46e4-91bb-26b45ba0ba84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_6a9fd4e8-25c4-44b5-a3ba-9d634b8693a7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_6a9fd4e8-25c4-44b5-a3ba-9d634b8693a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_9967b138-57fb-44f2-a308-19c86ee14ea5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_9967b138-57fb-44f2-a308-19c86ee14ea5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfSensitivityAnalysisOfFairValueTableTextBlock_e952ea06-9e55-4ea3-9268-4d4254ade9e8" xlink:href="upst-20211231.xsd#upst_ScheduleOfSensitivityAnalysisOfFairValueTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_upst_ScheduleOfSensitivityAnalysisOfFairValueTableTextBlock_e952ea06-9e55-4ea3-9268-4d4254ade9e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_54836443-3e65-46f7-9f82-554a73b96f1c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_54836443-3e65-46f7-9f82-554a73b96f1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_4227a745-bad6-4884-8285-70c1e364d81a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_4227a745-bad6-4884-8285-70c1e364d81a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_0c4de485-d11d-4551-b53f-bfc7ecba9616" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_0c4de485-d11d-4551-b53f-bfc7ecba9616" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_7aea556d-ff53-4b0d-ad45-620b62f7dd46" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_7aea556d-ff53-4b0d-ad45-620b62f7dd46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingLiabilitiesAtFairValueTextBlock_0b04f566-df9b-450f-b09d-c9c364d23486" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfServicingLiabilitiesAtFairValueTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_ScheduleOfServicingLiabilitiesAtFairValueTextBlock_0b04f566-df9b-450f-b09d-c9c364d23486" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_97210a0f-d67f-4ec4-85b5-e09cd30d1757" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_97210a0f-d67f-4ec4-85b5-e09cd30d1757" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisTextBlock_10343718-126d-4475-ae47-8cf41c7cf958" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisTextBlock"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f21bdd1f-6dc0-4a4d-9431-492e4d107979" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisTextBlock_10343718-126d-4475-ae47-8cf41c7cf958" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_e3dbc5e4-c394-4c15-a7eb-e1fba0078e74" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_87fcd58b-48ed-440c-b31e-7754d78b184e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e3dbc5e4-c394-4c15-a7eb-e1fba0078e74" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_87fcd58b-48ed-440c-b31e-7754d78b184e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_ce19271a-e6f7-4ae0-914d-30b72e984db8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_87fcd58b-48ed-440c-b31e-7754d78b184e" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_ce19271a-e6f7-4ae0-914d-30b72e984db8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5fe16d6b-2ed0-4ead-aed1-2171bfd7d4c0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_ce19271a-e6f7-4ae0-914d-30b72e984db8" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5fe16d6b-2ed0-4ead-aed1-2171bfd7d4c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_98291c5e-cded-4816-8600-e9fe9ec2ff8a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5fe16d6b-2ed0-4ead-aed1-2171bfd7d4c0" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_98291c5e-cded-4816-8600-e9fe9ec2ff8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_e6ab45c0-e821-4826-8c83-a22ee3e26d83" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5fe16d6b-2ed0-4ead-aed1-2171bfd7d4c0" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_e6ab45c0-e821-4826-8c83-a22ee3e26d83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_8c0b75a6-3bb9-4eb7-96a2-4286e73e04cc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5fe16d6b-2ed0-4ead-aed1-2171bfd7d4c0" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_8c0b75a6-3bb9-4eb7-96a2-4286e73e04cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_70f53e7d-5ef3-42ff-b76b-f8db69de450a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_87fcd58b-48ed-440c-b31e-7754d78b184e" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_70f53e7d-5ef3-42ff-b76b-f8db69de450a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_6c83f2ec-ac1d-42bd-b398-0ce7b6f8968f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_70f53e7d-5ef3-42ff-b76b-f8db69de450a" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_6c83f2ec-ac1d-42bd-b398-0ce7b6f8968f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_1f0e714d-89b7-4ade-a002-29d455893a3d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_6c83f2ec-ac1d-42bd-b398-0ce7b6f8968f" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_1f0e714d-89b7-4ade-a002-29d455893a3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableFairValueDisclosure_344c8091-805f-4749-b551-147425cc4420" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_6c83f2ec-ac1d-42bd-b398-0ce7b6f8968f" xlink:to="loc_us-gaap_NotesReceivableFairValueDisclosure_344c8091-805f-4749-b551-147425cc4420" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_f5a004ac-3ba1-4d85-b495-8e01138c5af0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_6c83f2ec-ac1d-42bd-b398-0ce7b6f8968f" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_f5a004ac-3ba1-4d85-b495-8e01138c5af0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_83194758-4c5a-4538-b58d-9407a408f4b0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_6c83f2ec-ac1d-42bd-b398-0ce7b6f8968f" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_83194758-4c5a-4538-b58d-9407a408f4b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c7ecd4e1-ad10-42ed-8df2-6a28f03521b5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_70f53e7d-5ef3-42ff-b76b-f8db69de450a" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c7ecd4e1-ad10-42ed-8df2-6a28f03521b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_bfdeb058-9d9a-4a6f-9212-38fc6e29c266" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c7ecd4e1-ad10-42ed-8df2-6a28f03521b5" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_bfdeb058-9d9a-4a6f-9212-38fc6e29c266" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilitiesFairValueDisclosure_d3ccb06a-1529-4436-a921-6ad055030892" xlink:href="upst-20211231.xsd#upst_TrailingFeeLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c7ecd4e1-ad10-42ed-8df2-6a28f03521b5" xlink:to="loc_upst_TrailingFeeLiabilitiesFairValueDisclosure_d3ccb06a-1529-4436-a921-6ad055030892" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_7f9efa1b-c63e-4263-a630-cede30048495" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c7ecd4e1-ad10-42ed-8df2-6a28f03521b5" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_7f9efa1b-c63e-4263-a630-cede30048495" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementLoansHeldDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementLoansHeldDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementLoansHeldDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_e948c69c-8c2a-42eb-a7db-77fb617e4d15" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3c6fa5fb-df3a-49fb-b6c3-95c403eefd23" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e948c69c-8c2a-42eb-a7db-77fb617e4d15" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3c6fa5fb-df3a-49fb-b6c3-95c403eefd23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_04b90fde-8939-4cb7-b3e6-ef1e492447aa" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3c6fa5fb-df3a-49fb-b6c3-95c403eefd23" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_04b90fde-8939-4cb7-b3e6-ef1e492447aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cfc25df3-5b34-46dd-813e-1fd309f3e786" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_04b90fde-8939-4cb7-b3e6-ef1e492447aa" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cfc25df3-5b34-46dd-813e-1fd309f3e786" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_430b9076-ab4a-479e-b021-5ff2089534dc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cfc25df3-5b34-46dd-813e-1fd309f3e786" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_430b9076-ab4a-479e-b021-5ff2089534dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e5ab34a6-bc85-4e15-bbec-2a143c8f50a9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3c6fa5fb-df3a-49fb-b6c3-95c403eefd23" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e5ab34a6-bc85-4e15-bbec-2a143c8f50a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_90f8c93b-6faf-4810-b361-8bd6805e24c0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e5ab34a6-bc85-4e15-bbec-2a143c8f50a9" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_90f8c93b-6faf-4810-b361-8bd6805e24c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldForInvestmentFairValueDisclosure_1293ae5c-31ab-458d-a798-9198ffc9d6ab" xlink:href="upst-20211231.xsd#upst_LoansHeldForInvestmentFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e5ab34a6-bc85-4e15-bbec-2a143c8f50a9" xlink:to="loc_upst_LoansHeldForInvestmentFairValueDisclosure_1293ae5c-31ab-458d-a798-9198ffc9d6ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_77ce9e2a-f30d-4ebe-be5b-b9f916e55f92" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e5ab34a6-bc85-4e15-bbec-2a143c8f50a9" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_77ce9e2a-f30d-4ebe-be5b-b9f916e55f92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementMeasurementInputsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementMeasurementInputsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementMeasurementInputsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_eb7663a2-37b6-45c0-b5f1-3a41b93f0179" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_eb7663a2-37b6-45c0-b5f1-3a41b93f0179" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_2650990c-3259-4a6e-bae5-c02a50aacd1f" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:to="loc_srt_RangeAxis_2650990c-3259-4a6e-bae5-c02a50aacd1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_794a1e2d-bc75-448a-8508-22a62aac094f" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_2650990c-3259-4a6e-bae5-c02a50aacd1f" xlink:to="loc_srt_RangeMember_794a1e2d-bc75-448a-8508-22a62aac094f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_cca6c955-5d8e-4ef2-93c8-74b6353044dd" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_794a1e2d-bc75-448a-8508-22a62aac094f" xlink:to="loc_srt_MinimumMember_cca6c955-5d8e-4ef2-93c8-74b6353044dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f12fb303-4244-47e1-814b-1666d50a4af9" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_794a1e2d-bc75-448a-8508-22a62aac094f" xlink:to="loc_srt_MaximumMember_f12fb303-4244-47e1-814b-1666d50a4af9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_dbb8ff85-8c6b-49d4-bea3-7c0585045fb4" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_794a1e2d-bc75-448a-8508-22a62aac094f" xlink:to="loc_srt_WeightedAverageMember_dbb8ff85-8c6b-49d4-bea3-7c0585045fb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_fbda9b07-d02e-40aa-9651-d68aa77ec52c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:to="loc_us-gaap_ValuationTechniqueAxis_fbda9b07-d02e-40aa-9651-d68aa77ec52c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_b614ff54-98cb-4f83-b0cf-9751f0521fa3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_fbda9b07-d02e-40aa-9651-d68aa77ec52c" xlink:to="loc_us-gaap_ValuationTechniqueDomain_b614ff54-98cb-4f83-b0cf-9751f0521fa3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_a83ec650-e9f6-4fd1-b231-3562183279e3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_b614ff54-98cb-4f83-b0cf-9751f0521fa3" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_a83ec650-e9f6-4fd1-b231-3562183279e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_231be73d-9533-447c-ba1a-6420fb471bb4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_231be73d-9533-447c-ba1a-6420fb471bb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_30602c08-fe86-4e10-a428-19d8e87644c7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_231be73d-9533-447c-ba1a-6420fb471bb4" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_30602c08-fe86-4e10-a428-19d8e87644c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_1e6f6f07-c5e0-4909-9437-6a13fd85c4ea" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_30602c08-fe86-4e10-a428-19d8e87644c7" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_1e6f6f07-c5e0-4909-9437-6a13fd85c4ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_3e206721-62e0-48b7-84c3-b3d41ff40944" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_3e206721-62e0-48b7-84c3-b3d41ff40944" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_3f6084a4-52b4-4df0-b3d9-d45d763747ec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_3e206721-62e0-48b7-84c3-b3d41ff40944" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_3f6084a4-52b4-4df0-b3d9-d45d763747ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_43cc1a07-d92e-47d5-93e4-b9d0a9b8ac78" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_3f6084a4-52b4-4df0-b3d9-d45d763747ec" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_43cc1a07-d92e-47d5-93e4-b9d0a9b8ac78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputEntityCreditRiskMember_cca8b9b6-dc68-400c-a3fa-23941d27e03f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputEntityCreditRiskMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_3f6084a4-52b4-4df0-b3d9-d45d763747ec" xlink:to="loc_us-gaap_MeasurementInputEntityCreditRiskMember_cca8b9b6-dc68-400c-a3fa-23941d27e03f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputPrepaymentRateMember_a9820693-e9e8-4a08-9598-cf7a5c8958e3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputPrepaymentRateMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_3f6084a4-52b4-4df0-b3d9-d45d763747ec" xlink:to="loc_us-gaap_MeasurementInputPrepaymentRateMember_a9820693-e9e8-4a08-9598-cf7a5c8958e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_c9ff3120-67ec-418d-91b9-d8e55b4faf3f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_c9ff3120-67ec-418d-91b9-d8e55b4faf3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_700763c6-2257-4b4d-ae6f-d462618a7b96" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_c9ff3120-67ec-418d-91b9-d8e55b4faf3f" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_700763c6-2257-4b4d-ae6f-d462618a7b96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_3c3d7bc5-be80-481c-bcc5-ab66437de44d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_700763c6-2257-4b4d-ae6f-d462618a7b96" xlink:to="loc_us-gaap_LoansReceivableMember_3c3d7bc5-be80-481c-bcc5-ab66437de44d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableMember_562a4055-c0eb-481c-baa9-dddcf50e05ad" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_700763c6-2257-4b4d-ae6f-d462618a7b96" xlink:to="loc_us-gaap_NotesReceivableMember_562a4055-c0eb-481c-baa9-dddcf50e05ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_926adfd8-b7d0-4198-998a-e5de96494cf7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2628d2b2-7f85-46b2-a4b8-ce425ad14f92" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_926adfd8-b7d0-4198-998a-e5de96494cf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansReceivableMeasurementInput_5e19f62c-eacb-48d6-8427-1a619c5d465e" xlink:href="upst-20211231.xsd#upst_LoansReceivableMeasurementInput"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_926adfd8-b7d0-4198-998a-e5de96494cf7" xlink:to="loc_upst_LoansReceivableMeasurementInput_5e19f62c-eacb-48d6-8427-1a619c5d465e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementSensitivityofFairValueDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementSensitivityofFairValueDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementSensitivityofFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_4b20948e-4d52-4770-a568-8cd9a01e978f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_1694103d-1739-49c7-a3cc-65df85bee12c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_4b20948e-4d52-4770-a568-8cd9a01e978f" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_1694103d-1739-49c7-a3cc-65df85bee12c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_bed3fc34-fee6-4e42-ac31-0d67fdf706ab" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_1694103d-1739-49c7-a3cc-65df85bee12c" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_bed3fc34-fee6-4e42-ac31-0d67fdf706ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_e7e78796-19c4-426c-8340-679b15dae5ff" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_bed3fc34-fee6-4e42-ac31-0d67fdf706ab" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_e7e78796-19c4-426c-8340-679b15dae5ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_08913aa4-1571-42ad-884e-343f3f894fe7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_e7e78796-19c4-426c-8340-679b15dae5ff" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_08913aa4-1571-42ad-884e-343f3f894fe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_7954fbdb-49b8-4526-a1d1-badcbecd64f6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_1694103d-1739-49c7-a3cc-65df85bee12c" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_7954fbdb-49b8-4526-a1d1-badcbecd64f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_e3a010c2-251b-4013-aa9f-8aac4a701e08" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_7954fbdb-49b8-4526-a1d1-badcbecd64f6" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_e3a010c2-251b-4013-aa9f-8aac4a701e08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_4b74e63d-2246-4f44-936d-fa59b313db4d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_e3a010c2-251b-4013-aa9f-8aac4a701e08" xlink:to="loc_us-gaap_LoansReceivableMember_4b74e63d-2246-4f44-936d-fa59b313db4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_ddf38cd1-040c-4993-9319-0c86d1c30564" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_1694103d-1739-49c7-a3cc-65df85bee12c" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_ddf38cd1-040c-4993-9319-0c86d1c30564" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_81d28d9c-8991-4f67-811b-4ec8581a6985" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_ddf38cd1-040c-4993-9319-0c86d1c30564" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_81d28d9c-8991-4f67-811b-4ec8581a6985" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DiscountRateAbstract_34de3a96-ddf0-4747-a976-5777f1851eef" xlink:href="upst-20211231.xsd#upst_DiscountRateAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_ddf38cd1-040c-4993-9319-0c86d1c30564" xlink:to="loc_upst_DiscountRateAbstract_34de3a96-ddf0-4747-a976-5777f1851eef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRates_5aa4ff14-4127-41a1-a868-459d6561f288" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DiscountRateAbstract_34de3a96-ddf0-4747-a976-5777f1851eef" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRates_5aa4ff14-4127-41a1-a868-459d6561f288" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRates_09486595-d62b-4f1b-9bd2-7ffe53b47220" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DiscountRateAbstract_34de3a96-ddf0-4747-a976-5777f1851eef" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRates_09486595-d62b-4f1b-9bd2-7ffe53b47220" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExpectedCreditLossRateAbstract_22876524-1f55-4b79-921b-c78ea6f02b82" xlink:href="upst-20211231.xsd#upst_ExpectedCreditLossRateAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_ddf38cd1-040c-4993-9319-0c86d1c30564" xlink:to="loc_upst_ExpectedCreditLossRateAbstract_22876524-1f55-4b79-921b-c78ea6f02b82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedCreditLossRates_19ce18ca-c945-4d6a-8152-f0951eb6db28" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedCreditLossRates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedCreditLossRateAbstract_22876524-1f55-4b79-921b-c78ea6f02b82" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedCreditLossRates_19ce18ca-c945-4d6a-8152-f0951eb6db28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRates_333f8a10-e7cd-4fde-ac2e-23a7ecd7efef" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedCreditLossRateAbstract_22876524-1f55-4b79-921b-c78ea6f02b82" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRates_333f8a10-e7cd-4fde-ac2e-23a7ecd7efef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementLoansRollforwardDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementLoansRollforwardDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementLoansRollforwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_5717e518-11b7-4823-9409-22b65c08ba97" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_52f819c7-2b6e-48ef-ab1a-5187e1d79180" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_5717e518-11b7-4823-9409-22b65c08ba97" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_52f819c7-2b6e-48ef-ab1a-5187e1d79180" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_44b67bec-eebe-4d68-8e45-34b72eb4bab2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_52f819c7-2b6e-48ef-ab1a-5187e1d79180" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_44b67bec-eebe-4d68-8e45-34b72eb4bab2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_e6f05a5c-2e15-46c8-8647-86713042be4c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_44b67bec-eebe-4d68-8e45-34b72eb4bab2" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_e6f05a5c-2e15-46c8-8647-86713042be4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_5d37c155-d471-40e9-a771-21110ffbb320" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_e6f05a5c-2e15-46c8-8647-86713042be4c" xlink:to="loc_us-gaap_LoansReceivableMember_5d37c155-d471-40e9-a771-21110ffbb320" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanHeldForSaleMember_d6ca52ee-51dc-4478-bb30-a753b069cf59" xlink:href="upst-20211231.xsd#upst_LoanHeldForSaleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansReceivableMember_5d37c155-d471-40e9-a771-21110ffbb320" xlink:to="loc_upst_LoanHeldForSaleMember_d6ca52ee-51dc-4478-bb30-a753b069cf59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldForInvestmentMember_1c4eac73-990e-430c-8e44-906faba8ad9e" xlink:href="upst-20211231.xsd#upst_LoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansReceivableMember_5d37c155-d471-40e9-a771-21110ffbb320" xlink:to="loc_upst_LoansHeldForInvestmentMember_1c4eac73-990e-430c-8e44-906faba8ad9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SecuritizedLoansHeldForInvestmentMember_ad3e555e-690a-470c-bd66-a6b58e709124" xlink:href="upst-20211231.xsd#upst_SecuritizedLoansHeldForInvestmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansReceivableMember_5d37c155-d471-40e9-a771-21110ffbb320" xlink:to="loc_upst_SecuritizedLoansHeldForInvestmentMember_ad3e555e-690a-470c-bd66-a6b58e709124" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_590ef159-c52c-40c9-b6ab-f1b9a7fd24d4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_52f819c7-2b6e-48ef-ab1a-5187e1d79180" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_590ef159-c52c-40c9-b6ab-f1b9a7fd24d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_67cb0fa6-aa5f-492a-8666-3f023f6acb79" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_590ef159-c52c-40c9-b6ab-f1b9a7fd24d4" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_67cb0fa6-aa5f-492a-8666-3f023f6acb79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_f608e74b-5797-4deb-8d8c-72edf1c266e7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_67cb0fa6-aa5f-492a-8666-3f023f6acb79" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_f608e74b-5797-4deb-8d8c-72edf1c266e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_24ec1912-b95e-418a-9bd9-14fa70e1dc0e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_52f819c7-2b6e-48ef-ab1a-5187e1d79180" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_24ec1912-b95e-418a-9bd9-14fa70e1dc0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_24ec1912-b95e-418a-9bd9-14fa70e1dc0e" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_cedb2cb7-2018-45f3-bf6c-e38160c40d35" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_cedb2cb7-2018-45f3-bf6c-e38160c40d35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassification_ce199116-5839-4bf5-8b04-88aa5dc08088" xlink:href="upst-20211231.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassification"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassification_ce199116-5839-4bf5-8b04-88aa5dc08088" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_d4a11936-3865-4d9d-8028-f55b601a2435" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_d4a11936-3865-4d9d-8028-f55b601a2435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_ab68b2b4-d073-4e0a-821e-738e787430fb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_ab68b2b4-d073-4e0a-821e-738e787430fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfLoansForImmediateResaleToInvestors_e1554912-6880-4e84-b1a2-94fc1d260a19" xlink:href="upst-20211231.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfLoansForImmediateResaleToInvestors"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfLoansForImmediateResaleToInvestors_e1554912-6880-4e84-b1a2-94fc1d260a19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetImmediateResaleToInvestors_15547b2f-7da6-483d-a382-09ab21657eec" xlink:href="upst-20211231.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetImmediateResaleToInvestors"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetImmediateResaleToInvestors_15547b2f-7da6-483d-a382-09ab21657eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsReceived_0e7580fe-799f-430a-83e7-35d831e6aa32" xlink:href="upst-20211231.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsReceived"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsReceived_0e7580fe-799f-430a-83e7-35d831e6aa32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_4f9f9f77-64f2-485d-8fae-3d68a4f59823" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_4f9f9f77-64f2-485d-8fae-3d68a4f59823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherIncreaseDecrease_0b539ad5-2f0a-44ff-b55f-1d9125c5f728" xlink:href="upst-20211231.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherIncreaseDecrease"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherIncreaseDecrease_0b539ad5-2f0a-44ff-b55f-1d9125c5f728" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesDueToDeconsolidation_b5a69a70-b141-4d2d-bd5e-c8ca96c552da" xlink:href="upst-20211231.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesDueToDeconsolidation"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesDueToDeconsolidation_b5a69a70-b141-4d2d-bd5e-c8ca96c552da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_0c165c78-16ae-4ad0-a95f-fbe7e837a09f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f671b6a9-413a-475d-9ad7-0c4966c6c3b1" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_0c165c78-16ae-4ad0-a95f-fbe7e837a09f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementLoansatFairValueDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementLoansatFairValueDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementLoansatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_d9cefc76-b3b4-483b-8a70-b51e3b3ff748" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_e1a088c0-e271-4d15-baf2-0903934b77f6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_d9cefc76-b3b4-483b-8a70-b51e3b3ff748" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_e1a088c0-e271-4d15-baf2-0903934b77f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_1aeb6d44-eef3-4ca5-8929-cbdd5526197b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_e1a088c0-e271-4d15-baf2-0903934b77f6" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_1aeb6d44-eef3-4ca5-8929-cbdd5526197b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1c0621ba-1bfa-4431-8193-056003110162" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_1aeb6d44-eef3-4ca5-8929-cbdd5526197b" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1c0621ba-1bfa-4431-8193-056003110162" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_472cd862-a5e6-4791-a013-0918f4f53cb1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1c0621ba-1bfa-4431-8193-056003110162" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_472cd862-a5e6-4791-a013-0918f4f53cb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_717b14d9-cc6f-4f15-a1dd-b350e81943f1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_e1a088c0-e271-4d15-baf2-0903934b77f6" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_717b14d9-cc6f-4f15-a1dd-b350e81943f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_441b2b72-bf6b-46c8-a5f5-6891505b6bef" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_717b14d9-cc6f-4f15-a1dd-b350e81943f1" xlink:to="loc_us-gaap_ReceivableTypeDomain_441b2b72-bf6b-46c8-a5f5-6891505b6bef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_739bc759-e1d6-470c-bf8f-590546cc01e1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_441b2b72-bf6b-46c8-a5f5-6891505b6bef" xlink:to="loc_us-gaap_LoansReceivableMember_739bc759-e1d6-470c-bf8f-590546cc01e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_55bbda32-b5ac-4b31-9df3-ee569da5b116" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_e1a088c0-e271-4d15-baf2-0903934b77f6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_55bbda32-b5ac-4b31-9df3-ee569da5b116" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3fb24b4-950c-424c-a9d9-424aaaf4347e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_55bbda32-b5ac-4b31-9df3-ee569da5b116" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3fb24b4-950c-424c-a9d9-424aaaf4347e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AutoLoansMember_0d7fb88a-b78c-4b9e-a1a7-f303a4aa424e" xlink:href="upst-20211231.xsd#upst_AutoLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3fb24b4-950c-424c-a9d9-424aaaf4347e" xlink:to="loc_upst_AutoLoansMember_0d7fb88a-b78c-4b9e-a1a7-f303a4aa424e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_127fa0eb-84ce-422f-a021-fec0ddb2b422" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_e1a088c0-e271-4d15-baf2-0903934b77f6" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_127fa0eb-84ce-422f-a021-fec0ddb2b422" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_4d5ec6b4-bf66-46ec-baee-e75ca08fbb46" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_127fa0eb-84ce-422f-a021-fec0ddb2b422" xlink:to="loc_us-gaap_NotesReceivableGross_4d5ec6b4-bf66-46ec-baee-e75ca08fbb46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_195ff13e-69df-43bd-9e3c-49f7382fdaee" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_127fa0eb-84ce-422f-a021-fec0ddb2b422" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_195ff13e-69df-43bd-9e3c-49f7382fdaee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_44371006-4fc5-4a92-83d3-cdc87f0d25d5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_127fa0eb-84ce-422f-a021-fec0ddb2b422" xlink:to="loc_us-gaap_NotesReceivableNet_44371006-4fc5-4a92-83d3-cdc87f0d25d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_c93edb51-5c9d-4f52-a2c2-ec941ac98ed1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_c93edb51-5c9d-4f52-a2c2-ec941ac98ed1" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_b49f291d-4d97-4228-adfb-4736b236d63f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_b49f291d-4d97-4228-adfb-4736b236d63f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_45d6d49a-94da-4dda-9992-9a7583dcd849" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_b49f291d-4d97-4228-adfb-4736b236d63f" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_45d6d49a-94da-4dda-9992-9a7583dcd849" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_6ce89e20-272d-48ee-ab69-87dfc5d03b34" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_45d6d49a-94da-4dda-9992-9a7583dcd849" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_6ce89e20-272d-48ee-ab69-87dfc5d03b34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_59073b8b-7a6e-49f2-a12d-f8a8e2f7c5b8" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:to="loc_srt_RangeAxis_59073b8b-7a6e-49f2-a12d-f8a8e2f7c5b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_e23716a6-f59c-414a-8b46-69bc6db7690a" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_59073b8b-7a6e-49f2-a12d-f8a8e2f7c5b8" xlink:to="loc_srt_RangeMember_e23716a6-f59c-414a-8b46-69bc6db7690a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_d9a0f8e1-c360-46f7-b648-cf5ccd223b1e" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_e23716a6-f59c-414a-8b46-69bc6db7690a" xlink:to="loc_srt_MinimumMember_d9a0f8e1-c360-46f7-b648-cf5ccd223b1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f460cde0-c19b-407d-966e-08c8ad7e499f" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_e23716a6-f59c-414a-8b46-69bc6db7690a" xlink:to="loc_srt_MaximumMember_f460cde0-c19b-407d-966e-08c8ad7e499f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_89befa50-f1ce-417f-add6-b30b1cd28d16" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_89befa50-f1ce-417f-add6-b30b1cd28d16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_36c0223b-3f39-4dd2-ae2d-ccb9f6f83a10" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_89befa50-f1ce-417f-add6-b30b1cd28d16" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_36c0223b-3f39-4dd2-ae2d-ccb9f6f83a10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_a30b0720-248e-4b90-8700-541efe077016" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_36c0223b-3f39-4dd2-ae2d-ccb9f6f83a10" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_a30b0720-248e-4b90-8700-541efe077016" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputEntityCreditRiskMember_cb67f31b-144d-4bb2-aa60-fe46e1d524ed" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MeasurementInputEntityCreditRiskMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_36c0223b-3f39-4dd2-ae2d-ccb9f6f83a10" xlink:to="loc_us-gaap_MeasurementInputEntityCreditRiskMember_cb67f31b-144d-4bb2-aa60-fe46e1d524ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_36e23f4b-6ee8-4eee-bbaf-47a8bdd6c62c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_36e23f4b-6ee8-4eee-bbaf-47a8bdd6c62c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_9732f28d-f1bf-4798-969c-8bc71c0c956f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_36e23f4b-6ee8-4eee-bbaf-47a8bdd6c62c" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_9732f28d-f1bf-4798-969c-8bc71c0c956f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableMember_74ab64f4-a44e-4f08-945c-b10d0a16553f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_9732f28d-f1bf-4798-969c-8bc71c0c956f" xlink:to="loc_us-gaap_NotesReceivableMember_74ab64f4-a44e-4f08-945c-b10d0a16553f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_3d88dae6-b0b6-45d0-bc2d-f64ecc5915bd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_9732f28d-f1bf-4798-969c-8bc71c0c956f" xlink:to="loc_us-gaap_LoansReceivableMember_3d88dae6-b0b6-45d0-bc2d-f64ecc5915bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_f806843b-1689-4360-b4de-90907ee7d0d5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:to="loc_us-gaap_ValuationTechniqueAxis_f806843b-1689-4360-b4de-90907ee7d0d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_f5cbf440-3c02-4363-b69f-a714a6a82460" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_f806843b-1689-4360-b4de-90907ee7d0d5" xlink:to="loc_us-gaap_ValuationTechniqueDomain_f5cbf440-3c02-4363-b69f-a714a6a82460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_5e0aa50f-43f3-4f3e-8735-951d1f67b4a0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_f5cbf440-3c02-4363-b69f-a714a6a82460" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_5e0aa50f-43f3-4f3e-8735-951d1f67b4a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_7a9c1056-1486-49b7-8419-c3dfbd62f9a9" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_8856c655-7a57-45bc-98fa-3920c7e94bee" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:to="loc_us-gaap_InterestReceivable_8856c655-7a57-45bc-98fa-3920c7e94bee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableFairValueDisclosure_6d3cbbd8-4989-48a1-948c-26a1f9d33106" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:to="loc_us-gaap_NotesReceivableFairValueDisclosure_6d3cbbd8-4989-48a1-948c-26a1f9d33106" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRatesAverage_0c86bea6-a7bd-4d33-9087-0e6d5eb879cd" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRatesAverage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRatesAverage_0c86bea6-a7bd-4d33-9087-0e6d5eb879cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRatesAverage_1c9f8623-357f-4a01-85c5-eb20e6f2f381" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRatesAverage"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRatesAverage_1c9f8623-357f-4a01-85c5-eb20e6f2f381" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRatesAverage_4bf4dba4-b84c-46ed-9f2d-f9c8348e5fbf" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRatesAverage"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRatesAverage_4bf4dba4-b84c-46ed-9f2d-f9c8348e5fbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeesLiabilityMeasurementInput_05732e28-297f-430d-bdf6-1dd65ba94a8f" xlink:href="upst-20211231.xsd#upst_TrailingFeesLiabilityMeasurementInput"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_5e2c72c9-d8b5-4606-b1bc-59d76297e957" xlink:to="loc_upst_TrailingFeesLiabilityMeasurementInput_05732e28-297f-430d-bdf6-1dd65ba94a8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementNoteReceivableRollforwardDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementNoteReceivableRollforwardDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementNoteReceivableRollforwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_ec0c0ec4-ea9c-4232-97e4-f1fa9a7afce8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_2887c4db-7573-4834-a623-90faf7e81443" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ec0c0ec4-ea9c-4232-97e4-f1fa9a7afce8" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_2887c4db-7573-4834-a623-90faf7e81443" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_2dc56e83-bb86-4997-97df-7e60aa19bc3d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_2887c4db-7573-4834-a623-90faf7e81443" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_2dc56e83-bb86-4997-97df-7e60aa19bc3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ea70da95-ead1-4e16-8235-20754ea7fcaf" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_2dc56e83-bb86-4997-97df-7e60aa19bc3d" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ea70da95-ead1-4e16-8235-20754ea7fcaf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableMember_dafa9d1a-54bc-4411-afed-7958d56857ba" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ea70da95-ead1-4e16-8235-20754ea7fcaf" xlink:to="loc_us-gaap_NotesReceivableMember_dafa9d1a-54bc-4411-afed-7958d56857ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1028b679-27cb-4706-9814-aab56e93a4ba" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_2887c4db-7573-4834-a623-90faf7e81443" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1028b679-27cb-4706-9814-aab56e93a4ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cfb3fb9c-eefe-46cd-a846-cda318f61f6a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1028b679-27cb-4706-9814-aab56e93a4ba" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cfb3fb9c-eefe-46cd-a846-cda318f61f6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_2452f36f-3997-4154-8f54-e061fe4ff5fc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cfb3fb9c-eefe-46cd-a846-cda318f61f6a" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_2452f36f-3997-4154-8f54-e061fe4ff5fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_77f23aa8-bf8b-44fc-b061-17921ff10328" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_2887c4db-7573-4834-a623-90faf7e81443" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_77f23aa8-bf8b-44fc-b061-17921ff10328" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_eb1188a0-f16e-442f-90c5-a6b4d25270a2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_77f23aa8-bf8b-44fc-b061-17921ff10328" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_eb1188a0-f16e-442f-90c5-a6b4d25270a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_e21234a6-a1cc-4a5e-a6d9-eac2a265a2b4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_eb1188a0-f16e-442f-90c5-a6b4d25270a2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_e21234a6-a1cc-4a5e-a6d9-eac2a265a2b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesAndIssuances_6cde8e98-52be-469a-b6d6-a2f53ecff4e9" xlink:href="upst-20211231.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesAndIssuances"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_eb1188a0-f16e-442f-90c5-a6b4d25270a2" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesAndIssuances_6cde8e98-52be-469a-b6d6-a2f53ecff4e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_35079ae7-8385-45d4-8d12-5c72338ddb92" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_eb1188a0-f16e-442f-90c5-a6b4d25270a2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_35079ae7-8385-45d4-8d12-5c72338ddb92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_5d356435-4850-411c-88a7-01c9b2400810" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_eb1188a0-f16e-442f-90c5-a6b4d25270a2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_5d356435-4850-411c-88a7-01c9b2400810" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_d8c5566b-4f66-4dd9-8a94-ed3ea56ce3f5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_eb1188a0-f16e-442f-90c5-a6b4d25270a2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_d8c5566b-4f66-4dd9-8a94-ed3ea56ce3f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementFairValueAssumptionsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementFairValueAssumptionsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementFairValueAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_a3890f57-7596-49bd-a5bf-0322cbd0f2a6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_b10339dd-ed77-4822-ac48-b8ebbea5b9c8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_a3890f57-7596-49bd-a5bf-0322cbd0f2a6" xlink:to="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_b10339dd-ed77-4822-ac48-b8ebbea5b9c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_84ab63a7-9d57-4eed-a519-105dc2bc7449" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_b10339dd-ed77-4822-ac48-b8ebbea5b9c8" xlink:to="loc_srt_RangeAxis_84ab63a7-9d57-4eed-a519-105dc2bc7449" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_e77dd2ed-429f-469c-a355-98435ea5fe29" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_84ab63a7-9d57-4eed-a519-105dc2bc7449" xlink:to="loc_srt_RangeMember_e77dd2ed-429f-469c-a355-98435ea5fe29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7e996573-3ff1-4c89-918c-b07e24d193c4" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_e77dd2ed-429f-469c-a355-98435ea5fe29" xlink:to="loc_srt_MinimumMember_7e996573-3ff1-4c89-918c-b07e24d193c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_7e78218d-3e12-4af9-a75c-2a21d36d3a8e" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_e77dd2ed-429f-469c-a355-98435ea5fe29" xlink:to="loc_srt_MaximumMember_7e78218d-3e12-4af9-a75c-2a21d36d3a8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_82503b74-27e5-4dcf-9236-68e33cc37ea0" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_e77dd2ed-429f-469c-a355-98435ea5fe29" xlink:to="loc_srt_WeightedAverageMember_82503b74-27e5-4dcf-9236-68e33cc37ea0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_57f85281-2e6d-4d01-a16a-866481d40721" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_b10339dd-ed77-4822-ac48-b8ebbea5b9c8" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_57f85281-2e6d-4d01-a16a-866481d40721" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_27072446-4056-497c-9c24-25fbeddbb39b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_57f85281-2e6d-4d01-a16a-866481d40721" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_27072446-4056-497c-9c24-25fbeddbb39b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_f5170bf4-a0b7-4895-96fe-4e7ab5a6a182" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_27072446-4056-497c-9c24-25fbeddbb39b" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_f5170bf4-a0b7-4895-96fe-4e7ab5a6a182" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_9ad36a1a-7e29-4a0b-a0c8-44f0809a91c5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_b10339dd-ed77-4822-ac48-b8ebbea5b9c8" xlink:to="loc_us-gaap_ValuationTechniqueAxis_9ad36a1a-7e29-4a0b-a0c8-44f0809a91c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_5a985129-661f-4248-8308-433c024ff10c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_9ad36a1a-7e29-4a0b-a0c8-44f0809a91c5" xlink:to="loc_us-gaap_ValuationTechniqueDomain_5a985129-661f-4248-8308-433c024ff10c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_3607a038-b2cc-4fc0-b332-26b1d8f9cf90" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_5a985129-661f-4248-8308-433c024ff10c" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_3607a038-b2cc-4fc0-b332-26b1d8f9cf90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_acc0d966-dfb0-46bb-a548-7ad0de129a8b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_b10339dd-ed77-4822-ac48-b8ebbea5b9c8" xlink:to="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_acc0d966-dfb0-46bb-a548-7ad0de129a8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesDiscountRate_f9ab1798-354e-4b2f-aec8-c507c233c629" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesDiscountRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_acc0d966-dfb0-46bb-a548-7ad0de129a8b" xlink:to="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesDiscountRate_f9ab1798-354e-4b2f-aec8-c507c233c629" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesExpectedCreditLosses_a956ac53-bc84-4b0d-8af8-b18b396dd500" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesExpectedCreditLosses"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_acc0d966-dfb0-46bb-a548-7ad0de129a8b" xlink:to="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesExpectedCreditLosses_a956ac53-bc84-4b0d-8af8-b18b396dd500" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AssumptionForFairValueOfAssetsOrLiabilitiesThatRelateToTransferorsContinuingInvolvementMarketServicingRate_a9df99dc-0ba4-4c58-bc89-7bb93a4e3cfa" xlink:href="upst-20211231.xsd#upst_AssumptionForFairValueOfAssetsOrLiabilitiesThatRelateToTransferorsContinuingInvolvementMarketServicingRate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_acc0d966-dfb0-46bb-a548-7ad0de129a8b" xlink:to="loc_upst_AssumptionForFairValueOfAssetsOrLiabilitiesThatRelateToTransferorsContinuingInvolvementMarketServicingRate_a9df99dc-0ba4-4c58-bc89-7bb93a4e3cfa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesPrepaymentSpeed_49e28260-037d-4493-90f9-643c2d5cf45f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesPrepaymentSpeed"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_acc0d966-dfb0-46bb-a548-7ad0de129a8b" xlink:to="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesPrepaymentSpeed_49e28260-037d-4493-90f9-643c2d5cf45f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementLoanServicingSensitivityDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementLoanServicingSensitivityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementLoanServicingSensitivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_ba7d44d5-06df-4e36-adc6-2a632de9ca77" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_f7299642-4cb7-4623-a187-29e878950233" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ba7d44d5-06df-4e36-adc6-2a632de9ca77" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_f7299642-4cb7-4623-a187-29e878950233" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0138dedd-4c83-4fc0-ad87-2f6798032d06" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_f7299642-4cb7-4623-a187-29e878950233" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0138dedd-4c83-4fc0-ad87-2f6798032d06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_805c0936-6466-408d-9634-1f4c39d0d2f6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0138dedd-4c83-4fc0-ad87-2f6798032d06" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_805c0936-6466-408d-9634-1f4c39d0d2f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_79e4652a-ca4a-4709-85f4-827afefee21a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_805c0936-6466-408d-9634-1f4c39d0d2f6" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_79e4652a-ca4a-4709-85f4-827afefee21a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_5cfc1209-26d4-4bb9-ba74-42d9e5e8c794" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_f7299642-4cb7-4623-a187-29e878950233" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_5cfc1209-26d4-4bb9-ba74-42d9e5e8c794" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_d905e155-d78e-40bc-8844-7a70e90c189d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_5cfc1209-26d4-4bb9-ba74-42d9e5e8c794" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_d905e155-d78e-40bc-8844-7a70e90c189d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingAssetsMember_2c15c108-94bc-4592-82c5-4b4f96c2021b" xlink:href="upst-20211231.xsd#upst_LoanServicingAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_d905e155-d78e-40bc-8844-7a70e90c189d" xlink:to="loc_upst_LoanServicingAssetsMember_2c15c108-94bc-4592-82c5-4b4f96c2021b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_6e582320-4301-4020-8672-9f3670063271" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_f7299642-4cb7-4623-a187-29e878950233" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_6e582320-4301-4020-8672-9f3670063271" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_830ee4e1-d946-453d-8e98-37bf49a4b0c6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_6e582320-4301-4020-8672-9f3670063271" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_830ee4e1-d946-453d-8e98-37bf49a4b0c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingLiabilitiesMember_9612f49f-22c2-4bc0-897d-7de58d826229" xlink:href="upst-20211231.xsd#upst_LoanServicingLiabilitiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_830ee4e1-d946-453d-8e98-37bf49a4b0c6" xlink:to="loc_upst_LoanServicingLiabilitiesMember_9612f49f-22c2-4bc0-897d-7de58d826229" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_f7299642-4cb7-4623-a187-29e878950233" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_36683f47-1939-4b65-aa60-f7478a4c8801" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_36683f47-1939-4b65-aa60-f7478a4c8801" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_4c4898fc-e1ea-4214-8975-7fc6512f9e52" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_4c4898fc-e1ea-4214-8975-7fc6512f9e52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentIncreaseInMarketServicingRates_a097fdfa-5c56-4958-be91-842c1f4696dc" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentIncreaseInMarketServicingRates"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:to="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentIncreaseInMarketServicingRates_a097fdfa-5c56-4958-be91-842c1f4696dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentIncreaseInMarketServicingRates_8768b375-bb88-4a5e-a730-b3d3708d3178" xlink:href="upst-20211231.xsd#upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentIncreaseInMarketServicingRates"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:to="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentIncreaseInMarketServicingRates_8768b375-bb88-4a5e-a730-b3d3708d3178" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_c09f4b7a-0ddb-487a-8ee6-e501d23f0f50" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_c09f4b7a-0ddb-487a-8ee6-e501d23f0f50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_e14fbe30-b2f3-4d6b-9088-fd7dcd6a211a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_71421e2d-feb4-45b8-bb56-3ded6aa5bdd6" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_e14fbe30-b2f3-4d6b-9088-fd7dcd6a211a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementLoanServicingRollforwardDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementLoanServicingRollforwardDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementLoanServicingRollforwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_56395e40-c525-4a20-9d8b-77c9537daf67" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_0f721708-e68e-4931-807b-480137b1212a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_56395e40-c525-4a20-9d8b-77c9537daf67" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_0f721708-e68e-4931-807b-480137b1212a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_1440656e-4321-4174-b505-6a0bc8c1e3b8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_0f721708-e68e-4931-807b-480137b1212a" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_1440656e-4321-4174-b505-6a0bc8c1e3b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_05391f28-c272-4c23-9558-2249e60d774f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_1440656e-4321-4174-b505-6a0bc8c1e3b8" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_05391f28-c272-4c23-9558-2249e60d774f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingAssetsMember_c361e1c2-2332-43fe-9f77-e1a243814b17" xlink:href="upst-20211231.xsd#upst_LoanServicingAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_05391f28-c272-4c23-9558-2249e60d774f" xlink:to="loc_upst_LoanServicingAssetsMember_c361e1c2-2332-43fe-9f77-e1a243814b17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_ef6cc867-aae0-478c-b316-4791364f61cb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_0f721708-e68e-4931-807b-480137b1212a" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_ef6cc867-aae0-478c-b316-4791364f61cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8b88ca95-ec08-4c76-bea5-b092e4c62ab3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_ef6cc867-aae0-478c-b316-4791364f61cb" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8b88ca95-ec08-4c76-bea5-b092e4c62ab3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_ea7f8baf-799b-41ba-bc03-d34831416b72" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8b88ca95-ec08-4c76-bea5-b092e4c62ab3" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_ea7f8baf-799b-41ba-bc03-d34831416b72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_fde5ed2f-05a0-4995-8cb7-8b141b4895fa" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_0f721708-e68e-4931-807b-480137b1212a" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueLineItems_fde5ed2f-05a0-4995-8cb7-8b141b4895fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_57457706-6666-43cd-9a1d-f6155a9aa294" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_fde5ed2f-05a0-4995-8cb7-8b141b4895fa" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_57457706-6666-43cd-9a1d-f6155a9aa294" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_a06038f4-4596-459d-8d64-23c132792da1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_57457706-6666-43cd-9a1d-f6155a9aa294" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_a06038f4-4596-459d-8d64-23c132792da1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAdditions_6b7cc4e0-b815-4755-a167-dee1feaa0883" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_57457706-6666-43cd-9a1d-f6155a9aa294" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAdditions_6b7cc4e0-b815-4755-a167-dee1feaa0883" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingAssetAtFairValueGainLossIncludedInEarnings_28bf570d-8210-43b5-9b5d-680e2b1fe4b6" xlink:href="upst-20211231.xsd#upst_ServicingAssetAtFairValueGainLossIncludedInEarnings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_57457706-6666-43cd-9a1d-f6155a9aa294" xlink:to="loc_upst_ServicingAssetAtFairValueGainLossIncludedInEarnings_28bf570d-8210-43b5-9b5d-680e2b1fe4b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_80d47c20-e912-4157-8943-7a23af3a1997" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_57457706-6666-43cd-9a1d-f6155a9aa294" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_80d47c20-e912-4157-8943-7a23af3a1997" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_b9ab57ec-1404-42a1-a321-7f2cbb70acbc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilitiesAtFairValueTable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_56395e40-c525-4a20-9d8b-77c9537daf67" xlink:to="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_b9ab57ec-1404-42a1-a321-7f2cbb70acbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_61634a01-7136-4179-93a8-1acbf0a68cc7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_b9ab57ec-1404-42a1-a321-7f2cbb70acbc" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_61634a01-7136-4179-93a8-1acbf0a68cc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_a6b43da1-37bb-4963-b11c-d1d5f87bbd63" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_71ffb4a5-4549-48f2-a4c1-bfd8d479dd9e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_3bd941f4-4559-4242-91ed-f51c06c6e6bc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_b9ab57ec-1404-42a1-a321-7f2cbb70acbc" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_3bd941f4-4559-4242-91ed-f51c06c6e6bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a37634a8-f2b5-41f0-85d2-7c49f9d17dfc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_3bd941f4-4559-4242-91ed-f51c06c6e6bc" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a37634a8-f2b5-41f0-85d2-7c49f9d17dfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingLiabilitiesMember_963a665e-58ea-49f9-b78f-e54f5c029a3b" xlink:href="upst-20211231.xsd#upst_LoanServicingLiabilitiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a37634a8-f2b5-41f0-85d2-7c49f9d17dfc" xlink:to="loc_upst_LoanServicingLiabilitiesMember_963a665e-58ea-49f9-b78f-e54f5c029a3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_06bbafcc-1b6a-407a-93de-15a018dc4e70" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilitiesAtFairValueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_b9ab57ec-1404-42a1-a321-7f2cbb70acbc" xlink:to="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_06bbafcc-1b6a-407a-93de-15a018dc4e70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_545e1448-9729-46a8-8486-37968ffacaa5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAmountRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_06bbafcc-1b6a-407a-93de-15a018dc4e70" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_545e1448-9729-46a8-8486-37968ffacaa5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_2ea8d2e9-6b1f-44d3-8c71-9b1b6cdb4eba" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_545e1448-9729-46a8-8486-37968ffacaa5" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_2ea8d2e9-6b1f-44d3-8c71-9b1b6cdb4eba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAdditions_656d9c2d-dfe7-440f-994c-37d8d3011f47" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_545e1448-9729-46a8-8486-37968ffacaa5" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAdditions_656d9c2d-dfe7-440f-994c-37d8d3011f47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingLiabilityAtFairValueGainLossIncludedInEarnings_91716541-bcf9-4362-9269-e74badbb7cd5" xlink:href="upst-20211231.xsd#upst_ServicingLiabilityAtFairValueGainLossIncludedInEarnings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_545e1448-9729-46a8-8486-37968ffacaa5" xlink:to="loc_upst_ServicingLiabilityAtFairValueGainLossIncludedInEarnings_91716541-bcf9-4362-9269-e74badbb7cd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_6f813f79-52fe-4d2f-aa76-5c61c7688478" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_545e1448-9729-46a8-8486-37968ffacaa5" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_6f813f79-52fe-4d2f-aa76-5c61c7688478" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementTrailingFeeRollforwardDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#FairValueMeasurementTrailingFeeRollforwardDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementTrailingFeeRollforwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_5551032f-c6f1-47b9-a6f3-086fd0f21afd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_1ae1f366-d6ee-4790-93a4-33c7da019c71" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_5551032f-c6f1-47b9-a6f3-086fd0f21afd" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_1ae1f366-d6ee-4790-93a4-33c7da019c71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_49cdd542-3983-405c-b555-dbe96d93720f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_1ae1f366-d6ee-4790-93a4-33c7da019c71" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_49cdd542-3983-405c-b555-dbe96d93720f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f4e20b02-ae4b-4304-855d-80b0f2f6d75b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_49cdd542-3983-405c-b555-dbe96d93720f" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f4e20b02-ae4b-4304-855d-80b0f2f6d75b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_5dc96af8-90ea-4fe0-a668-8cec8e36771c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f4e20b02-ae4b-4304-855d-80b0f2f6d75b" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_5dc96af8-90ea-4fe0-a668-8cec8e36771c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_7c7c9911-bada-44b0-82ba-3b8176459b8e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_1ae1f366-d6ee-4790-93a4-33c7da019c71" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_7c7c9911-bada-44b0-82ba-3b8176459b8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a9668f62-9e23-42e1-b23f-7f4ad563f290" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_7c7c9911-bada-44b0-82ba-3b8176459b8e" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a9668f62-9e23-42e1-b23f-7f4ad563f290" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilitiesMember_a81ea9df-6d4c-4ea9-8025-50c4345bcda4" xlink:href="upst-20211231.xsd#upst_TrailingFeeLiabilitiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a9668f62-9e23-42e1-b23f-7f4ad563f290" xlink:to="loc_upst_TrailingFeeLiabilitiesMember_a81ea9df-6d4c-4ea9-8025-50c4345bcda4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_87127377-c714-47cc-a14b-e5814999dd4f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_1ae1f366-d6ee-4790-93a4-33c7da019c71" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_87127377-c714-47cc-a14b-e5814999dd4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_39afb863-c63a-4853-82fb-e3965147898a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_87127377-c714-47cc-a14b-e5814999dd4f" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_39afb863-c63a-4853-82fb-e3965147898a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues_c9337b84-fb9a-4e68-8f64-29b5648c1cdb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_87127377-c714-47cc-a14b-e5814999dd4f" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues_c9337b84-fb9a-4e68-8f64-29b5648c1cdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements_57c02049-3554-4e25-847f-8d0f22f4a285" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_87127377-c714-47cc-a14b-e5814999dd4f" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements_57c02049-3554-4e25-847f-8d0f22f4a285" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_fa9dda02-2e00-44a8-8f92-208b85e42dcb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_87127377-c714-47cc-a14b-e5814999dd4f" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_fa9dda02-2e00-44a8-8f92-208b85e42dcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_796815b4-56f1-4f7d-8b28-a45036fa4ead" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_87127377-c714-47cc-a14b-e5814999dd4f" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_796815b4-56f1-4f7d-8b28-a45036fa4ead" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/Acquisitions" xlink:type="simple" xlink:href="upst-20211231.xsd#Acquisitions"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/Acquisitions" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_12bfb17d-7f15-4312-b69f-2b5e24e8f973" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationDisclosureTextBlock_a646dd92-ad74-46e7-bca0-207f08a18aec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_12bfb17d-7f15-4312-b69f-2b5e24e8f973" xlink:to="loc_us-gaap_BusinessCombinationDisclosureTextBlock_a646dd92-ad74-46e7-bca0-207f08a18aec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/AcquisitionsTables" xlink:type="simple" xlink:href="upst-20211231.xsd#AcquisitionsTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/AcquisitionsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_20b10cdc-fcfb-4e1e-9ec9-bd6c93364724" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock_d19911cf-f5fa-47d8-b668-56397cbf454f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_20b10cdc-fcfb-4e1e-9ec9-bd6c93364724" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock_d19911cf-f5fa-47d8-b668-56397cbf454f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_34cd7077-0bc6-4327-80ce-2c4c063ea796" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_20b10cdc-fcfb-4e1e-9ec9-bd6c93364724" xlink:to="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_34cd7077-0bc6-4327-80ce-2c4c063ea796" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock_57509c18-e05b-483f-a8ba-f448cc9d098d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_20b10cdc-fcfb-4e1e-9ec9-bd6c93364724" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock_57509c18-e05b-483f-a8ba-f448cc9d098d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/AcquisitionsNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#AcquisitionsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/AcquisitionsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_b1edee0c-206b-44f1-889e-d6a83fbcecd0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e2844bcd-0cd4-4df0-8400-6bc4b2203707" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_b1edee0c-206b-44f1-889e-d6a83fbcecd0" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e2844bcd-0cd4-4df0-8400-6bc4b2203707" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_2e8cd94b-b3d0-4470-9e3a-d4921c7a3b53" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e2844bcd-0cd4-4df0-8400-6bc4b2203707" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_2e8cd94b-b3d0-4470-9e3a-d4921c7a3b53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_9d077b87-b5bc-4d23-b580-69acc5e00ee0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_2e8cd94b-b3d0-4470-9e3a-d4921c7a3b53" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_9d077b87-b5bc-4d23-b580-69acc5e00ee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProdigySoftwareIncMember_f3028ee2-5fd7-4833-9257-436e0f58d2b5" xlink:href="upst-20211231.xsd#upst_ProdigySoftwareIncMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_9d077b87-b5bc-4d23-b580-69acc5e00ee0" xlink:to="loc_upst_ProdigySoftwareIncMember_f3028ee2-5fd7-4833-9257-436e0f58d2b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_fc7e0c93-54ea-4cd2-98da-5d125bf3a2a4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e2844bcd-0cd4-4df0-8400-6bc4b2203707" xlink:to="loc_us-gaap_AwardTypeAxis_fc7e0c93-54ea-4cd2-98da-5d125bf3a2a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_64a20e3f-2648-4133-a0b1-f55b820d7f66" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_fc7e0c93-54ea-4cd2-98da-5d125bf3a2a4" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_64a20e3f-2648-4133-a0b1-f55b820d7f66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_d47a4cf9-25af-40d0-bfd3-af82ac5eff33" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_64a20e3f-2648-4133-a0b1-f55b820d7f66" xlink:to="loc_us-gaap_RestrictedStockMember_d47a4cf9-25af-40d0-bfd3-af82ac5eff33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e2844bcd-0cd4-4df0-8400-6bc4b2203707" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_13585ef4-97d8-4676-9083-986a701f0fe4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_13585ef4-97d8-4676-9083-986a701f0fe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross_6f789542-ae8c-4e60-9bed-0044ef61b777" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross_6f789542-ae8c-4e60-9bed-0044ef61b777" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_3a4381d1-5b01-4b0e-a28e-815a9b5e6221" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_3a4381d1-5b01-4b0e-a28e-815a9b5e6221" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardRepurchaseOptionPercentage_d887180b-10ee-4146-b6b4-e1158ffaa3f7" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardRepurchaseOptionPercentage"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardRepurchaseOptionPercentage_d887180b-10ee-4146-b6b4-e1158ffaa3f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardRepurchasePeriod_3d581339-06a1-4c8b-9bec-6545a80d5965" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardRepurchasePeriod"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardRepurchasePeriod_3d581339-06a1-4c8b-9bec-6545a80d5965" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpenseRecognitionPeriod_eccc0a2e-2ba6-4b85-a779-714f836253b6" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpenseRecognitionPeriod"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpenseRecognitionPeriod_eccc0a2e-2ba6-4b85-a779-714f836253b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_d4f1a620-73a2-40b7-95fa-b9f7c03debed" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_d4f1a620-73a2-40b7-95fa-b9f7c03debed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_ffd3f7bc-9020-4d62-91c3-4574607c9ac6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7c6ed9f7-d490-4b7b-b5ed-bc54cb3aa621" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_ffd3f7bc-9020-4d62-91c3-4574607c9ac6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/AcquisitionsConsiderationTransferredDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#AcquisitionsConsiderationTransferredDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/AcquisitionsConsiderationTransferredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_e001dced-d34c-4c2b-95ad-a36c199f1fc1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_80296991-5aad-44e8-bb55-ffb18ef7f066" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_e001dced-d34c-4c2b-95ad-a36c199f1fc1" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_80296991-5aad-44e8-bb55-ffb18ef7f066" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_3df7927a-85d3-419f-b033-3866ddba0c80" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_80296991-5aad-44e8-bb55-ffb18ef7f066" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_3df7927a-85d3-419f-b033-3866ddba0c80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_56e4e151-b3cf-4699-ae26-05274b9b2005" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_3df7927a-85d3-419f-b033-3866ddba0c80" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_56e4e151-b3cf-4699-ae26-05274b9b2005" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProdigySoftwareIncMember_9a6eaa06-6e03-4ed1-ada6-0bcd961b28b1" xlink:href="upst-20211231.xsd#upst_ProdigySoftwareIncMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_56e4e151-b3cf-4699-ae26-05274b9b2005" xlink:to="loc_upst_ProdigySoftwareIncMember_9a6eaa06-6e03-4ed1-ada6-0bcd961b28b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_80296991-5aad-44e8-bb55-ffb18ef7f066" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_ab4f1b99-36a9-406c-a69c-24650159bc83" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_ab4f1b99-36a9-406c-a69c-24650159bc83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesGross_7a2b3749-752c-40e3-8df6-15ea58c6afc6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesGross_7a2b3749-752c-40e3-8df6-15ea58c6afc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BusinessCombinationConsiderationTransferredAssumedOptionsAttributableToPreCombinationServices_a1638d5d-d3fd-4282-8da0-4acfdb437367" xlink:href="upst-20211231.xsd#upst_BusinessCombinationConsiderationTransferredAssumedOptionsAttributableToPreCombinationServices"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_upst_BusinessCombinationConsiderationTransferredAssumedOptionsAttributableToPreCombinationServices_a1638d5d-d3fd-4282-8da0-4acfdb437367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BusinessCombinationConsiderationTransferredTransactionCostPaidOnBehalfOfAcquire_85804f75-1098-4392-bb4b-a2cdd49bf15b" xlink:href="upst-20211231.xsd#upst_BusinessCombinationConsiderationTransferredTransactionCostPaidOnBehalfOfAcquire"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_upst_BusinessCombinationConsiderationTransferredTransactionCostPaidOnBehalfOfAcquire_85804f75-1098-4392-bb4b-a2cdd49bf15b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_d47bd807-ff48-436a-be30-55fbf5e11f0b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_d47bd807-ff48-436a-be30-55fbf5e11f0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableShares_632e10c4-9944-45f2-98b7-88a207338fbb" xlink:href="upst-20211231.xsd#upst_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableShares"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_upst_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableShares_632e10c4-9944-45f2-98b7-88a207338fbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionSharePrice_61d0f1d9-d6c2-4111-878f-c6e8153ebc98" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionSharePrice"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_us-gaap_BusinessAcquisitionSharePrice_61d0f1d9-d6c2-4111-878f-c6e8153ebc98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableShareHeldInEscrow_2f12b085-fe5e-44d8-8c48-0c9aa930cb2c" xlink:href="upst-20211231.xsd#upst_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableShareHeldInEscrow"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_upst_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableShareHeldInEscrow_2f12b085-fe5e-44d8-8c48-0c9aa930cb2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EscrowDeposit_27204adc-3c38-469a-aa17-18e104bf6bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EscrowDeposit"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_f8e7f064-1192-45cd-9e34-3ac56a7e16b9" xlink:to="loc_us-gaap_EscrowDeposit_27204adc-3c38-469a-aa17-18e104bf6bc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/AcquisitionsPurchasePriceAllocationDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#AcquisitionsPurchasePriceAllocationDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/AcquisitionsPurchasePriceAllocationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_97b042df-b8f2-4e87-b157-4aa85459d09f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e8924d79-d8ff-4594-94eb-ce289968d58c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_97b042df-b8f2-4e87-b157-4aa85459d09f" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e8924d79-d8ff-4594-94eb-ce289968d58c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_d355d381-32d8-4dc1-9605-c190c46361c1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e8924d79-d8ff-4594-94eb-ce289968d58c" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_d355d381-32d8-4dc1-9605-c190c46361c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2bcd147e-53ae-4230-9cf4-e42b4d09619c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_d355d381-32d8-4dc1-9605-c190c46361c1" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2bcd147e-53ae-4230-9cf4-e42b4d09619c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProdigySoftwareIncMember_7239bd2b-8e35-48b4-b56f-4d3014ba7e44" xlink:href="upst-20211231.xsd#upst_ProdigySoftwareIncMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2bcd147e-53ae-4230-9cf4-e42b4d09619c" xlink:to="loc_upst_ProdigySoftwareIncMember_7239bd2b-8e35-48b4-b56f-4d3014ba7e44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_e8924d79-d8ff-4594-94eb-ce289968d58c" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_7b124266-45d3-4b2f-b856-d355a885925f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:to="loc_us-gaap_Goodwill_7b124266-45d3-4b2f-b856-d355a885925f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_138735cb-40de-41bb-b73e-9b8042f1a3cf" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_138735cb-40de-41bb-b73e-9b8042f1a3cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_26a38e22-cd76-4708-ac05-dc16b8232c7c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_26a38e22-cd76-4708-ac05-dc16b8232c7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities_705767d3-4d55-42ea-93cc-4932c7a06561" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities_705767d3-4d55-42ea-93cc-4932c7a06561" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssetsAcquiredLiabilitiesAssumedNet_9892c57a-4cbb-48bd-b243-578a7cf57e0f" xlink:href="upst-20211231.xsd#upst_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssetsAcquiredLiabilitiesAssumedNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:to="loc_upst_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssetsAcquiredLiabilitiesAssumedNet_9892c57a-4cbb-48bd-b243-578a7cf57e0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_45341952-8556-48cc-83d3-e103438e61ab" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_fea32325-70f5-4c97-8707-f4dc1f798b95" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_45341952-8556-48cc-83d3-e103438e61ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/AcquisitionsIntangibleAssetsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#AcquisitionsIntangibleAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/AcquisitionsIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_9594f5ab-3aa4-437b-9486-7f565eeb4d2e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_8137357a-c9ee-4d1e-a95a-65e960fe4179" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_9594f5ab-3aa4-437b-9486-7f565eeb4d2e" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_8137357a-c9ee-4d1e-a95a-65e960fe4179" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_2bbc1bb2-d926-4dd7-b82e-26929d5a3470" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_8137357a-c9ee-4d1e-a95a-65e960fe4179" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_2bbc1bb2-d926-4dd7-b82e-26929d5a3470" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_31157234-bcb3-4be2-ba62-aa41f9f12ea0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_2bbc1bb2-d926-4dd7-b82e-26929d5a3470" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_31157234-bcb3-4be2-ba62-aa41f9f12ea0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProdigySoftwareIncMember_01d65875-ecef-48ac-9739-38885303d53b" xlink:href="upst-20211231.xsd#upst_ProdigySoftwareIncMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_31157234-bcb3-4be2-ba62-aa41f9f12ea0" xlink:to="loc_upst_ProdigySoftwareIncMember_01d65875-ecef-48ac-9739-38885303d53b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_a8ce268b-6ac6-4f08-a0cf-4cf943d9b824" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_8137357a-c9ee-4d1e-a95a-65e960fe4179" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_a8ce268b-6ac6-4f08-a0cf-4cf943d9b824" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_03fbf8cb-d81f-4ddb-89af-e8a8d68d7a85" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_a8ce268b-6ac6-4f08-a0cf-4cf943d9b824" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_03fbf8cb-d81f-4ddb-89af-e8a8d68d7a85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember_548267a5-652a-423a-b8c3-9f99653901a8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DevelopedTechnologyRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_03fbf8cb-d81f-4ddb-89af-e8a8d68d7a85" xlink:to="loc_us-gaap_DevelopedTechnologyRightsMember_548267a5-652a-423a-b8c3-9f99653901a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradeNamesMember_20cb3b47-708f-4fb7-a4b0-288cb856267b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TradeNamesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_03fbf8cb-d81f-4ddb-89af-e8a8d68d7a85" xlink:to="loc_us-gaap_TradeNamesMember_20cb3b47-708f-4fb7-a4b0-288cb856267b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember_a3c9dee2-b9be-4385-8a18-e573331746f2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_03fbf8cb-d81f-4ddb-89af-e8a8d68d7a85" xlink:to="loc_us-gaap_CustomerRelationshipsMember_a3c9dee2-b9be-4385-8a18-e573331746f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_caaa111d-d178-4361-a85c-59a74a62c3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_8137357a-c9ee-4d1e-a95a-65e960fe4179" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_caaa111d-d178-4361-a85c-59a74a62c3c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_3518e11a-f057-46fb-a52b-fc056021305e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_caaa111d-d178-4361-a85c-59a74a62c3c4" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_3518e11a-f057-46fb-a52b-fc056021305e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_cba053a0-ddcb-4d43-a6c6-e040708291ac" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_caaa111d-d178-4361-a85c-59a74a62c3c4" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_cba053a0-ddcb-4d43-a6c6-e040708291ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/GoodwillandIntangibleAssets" xlink:type="simple" xlink:href="upst-20211231.xsd#GoodwillandIntangibleAssets"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/GoodwillandIntangibleAssets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_e4333ba2-760a-4662-af95-7e47a19be9fc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_53009f2c-683e-4c8e-8866-97b76ce489b3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_e4333ba2-760a-4662-af95-7e47a19be9fc" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_53009f2c-683e-4c8e-8866-97b76ce489b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsTables" xlink:type="simple" xlink:href="upst-20211231.xsd#GoodwillandIntangibleAssetsTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_24fb140d-a6a7-4ce1-a67c-c9c13eb8f7ea" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_cc445651-b776-463c-9ae2-a9c33af58ac0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_24fb140d-a6a7-4ce1-a67c-c9c13eb8f7ea" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_cc445651-b776-463c-9ae2-a9c33af58ac0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_fbb16ede-ca29-48ab-9226-2eb8b6f86883" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_24fb140d-a6a7-4ce1-a67c-c9c13eb8f7ea" xlink:to="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_fbb16ede-ca29-48ab-9226-2eb8b6f86883" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#GoodwillandIntangibleAssetsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_5a25a1b7-8fe1-410b-bf1f-f266a08ea895" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAcquiredDuringPeriod_71c9b8db-4492-4a26-a65e-b26be3cf3c4e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAcquiredDuringPeriod"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_5a25a1b7-8fe1-410b-bf1f-f266a08ea895" xlink:to="loc_us-gaap_GoodwillAcquiredDuringPeriod_71c9b8db-4492-4a26-a65e-b26be3cf3c4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillPurchaseAccountingAdjustments_1b1d9046-d114-4907-b020-ed8acc5a9492" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillPurchaseAccountingAdjustments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_5a25a1b7-8fe1-410b-bf1f-f266a08ea895" xlink:to="loc_us-gaap_GoodwillPurchaseAccountingAdjustments_1b1d9046-d114-4907-b020-ed8acc5a9492" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_259c6f97-cc8b-4894-9eda-f5fb2f89d46b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_5a25a1b7-8fe1-410b-bf1f-f266a08ea895" xlink:to="loc_us-gaap_Goodwill_259c6f97-cc8b-4894-9eda-f5fb2f89d46b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentForAmortization_ba114114-5531-4649-9b86-f7386860b72c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentForAmortization"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_5a25a1b7-8fe1-410b-bf1f-f266a08ea895" xlink:to="loc_us-gaap_AdjustmentForAmortization_ba114114-5531-4649-9b86-f7386860b72c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsScheduleofIntangibleAssetsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#GoodwillandIntangibleAssetsScheduleofIntangibleAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsScheduleofIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_cd43cbc5-662b-46ce-a80e-281aaeaa5283" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_3570a5d0-7b30-4302-82d6-55b47eaf2e5b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_cd43cbc5-662b-46ce-a80e-281aaeaa5283" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_3570a5d0-7b30-4302-82d6-55b47eaf2e5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_d432aa14-0c80-42ac-8c46-3a7e8a8dced7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_3570a5d0-7b30-4302-82d6-55b47eaf2e5b" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_d432aa14-0c80-42ac-8c46-3a7e8a8dced7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_83ada6ed-0d0e-4e2d-92db-9b45f664a587" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_d432aa14-0c80-42ac-8c46-3a7e8a8dced7" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_83ada6ed-0d0e-4e2d-92db-9b45f664a587" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember_e2de394d-ef70-4303-80c9-2422699fe8d9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DevelopedTechnologyRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_83ada6ed-0d0e-4e2d-92db-9b45f664a587" xlink:to="loc_us-gaap_DevelopedTechnologyRightsMember_e2de394d-ef70-4303-80c9-2422699fe8d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember_4e2e578d-c6a1-463d-998c-099de7882841" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_83ada6ed-0d0e-4e2d-92db-9b45f664a587" xlink:to="loc_us-gaap_CustomerRelationshipsMember_4e2e578d-c6a1-463d-998c-099de7882841" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_d8ec00e4-cb09-4d58-a867-df44161c1870" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_3570a5d0-7b30-4302-82d6-55b47eaf2e5b" xlink:to="loc_srt_RangeAxis_d8ec00e4-cb09-4d58-a867-df44161c1870" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_542d56ba-ca7a-42ea-b4c6-abdf11e8e036" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_d8ec00e4-cb09-4d58-a867-df44161c1870" xlink:to="loc_srt_RangeMember_542d56ba-ca7a-42ea-b4c6-abdf11e8e036" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_950c4cf5-6e39-44e0-81b9-9a6635bdc6c7" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_542d56ba-ca7a-42ea-b4c6-abdf11e8e036" xlink:to="loc_srt_WeightedAverageMember_950c4cf5-6e39-44e0-81b9-9a6635bdc6c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_10386af7-bcb4-409c-b96c-05a9a446c3ff" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_3570a5d0-7b30-4302-82d6-55b47eaf2e5b" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_10386af7-bcb4-409c-b96c-05a9a446c3ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_acae5d0e-4a20-4dea-9e86-92ba51d37e47" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_10386af7-bcb4-409c-b96c-05a9a446c3ff" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_acae5d0e-4a20-4dea-9e86-92ba51d37e47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_9a5d5ec0-3ed0-454e-b6f8-ecdc9c71fa97" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_10386af7-bcb4-409c-b96c-05a9a446c3ff" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_9a5d5ec0-3ed0-454e-b6f8-ecdc9c71fa97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_8fa2c0ee-32ba-4793-a468-028a5be948ec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_10386af7-bcb4-409c-b96c-05a9a446c3ff" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_8fa2c0ee-32ba-4793-a468-028a5be948ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsRemainingAmortizationPeriod1_fe7f9ad9-73a2-4a38-8065-51a3238db8a9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsRemainingAmortizationPeriod1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_10386af7-bcb4-409c-b96c-05a9a446c3ff" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsRemainingAmortizationPeriod1_fe7f9ad9-73a2-4a38-8065-51a3238db8a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsFutureExpectedAmortizationDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#GoodwillandIntangibleAssetsFutureExpectedAmortizationDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsFutureExpectedAmortizationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_c2cd9a72-a330-47aa-99cb-303f3d5bc277" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_c2cd9a72-a330-47aa-99cb-303f3d5bc277" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_37e40a97-c472-4830-b2bc-acbb1de0e649" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_37e40a97-c472-4830-b2bc-acbb1de0e649" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_e12e3b5a-6071-417b-b680-81cea1973141" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_e12e3b5a-6071-417b-b680-81cea1973141" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_e57aceee-2560-46c5-9bd9-d910ee55849b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_e57aceee-2560-46c5-9bd9-d910ee55849b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_1d157b28-39a9-47a6-9c56-dfd790563abc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_1d157b28-39a9-47a6-9c56-dfd790563abc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_42e4c84e-0506-431b-a1ee-a9bc2c48e161" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_42e4c84e-0506-431b-a1ee-a9bc2c48e161" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_c88fe25d-cfb0-4aa6-a5df-33d81cbe0870" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6fe602a8-cc4f-4da6-b456-9578eca6330e" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_c88fe25d-cfb0-4aa6-a5df-33d81cbe0870" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponents" xlink:type="simple" xlink:href="upst-20211231.xsd#BalanceSheetComponents"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_fb750668-f363-435b-9f0b-1cc3e8d771c6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalBalanceSheetDisclosuresTextBlock_1dd87c01-d968-4d7a-8c4e-0c38d80e272b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalBalanceSheetDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_fb750668-f363-435b-9f0b-1cc3e8d771c6" xlink:to="loc_us-gaap_SupplementalBalanceSheetDisclosuresTextBlock_1dd87c01-d968-4d7a-8c4e-0c38d80e272b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsTables" xlink:type="simple" xlink:href="upst-20211231.xsd#BalanceSheetComponentsTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_8ca8db0c-fe7d-4e94-8761-9b97e47f9dc8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_7bf641b0-e4a2-40d7-bc0d-730edc0b9051" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfOtherAssetsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_8ca8db0c-fe7d-4e94-8761-9b97e47f9dc8" xlink:to="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_7bf641b0-e4a2-40d7-bc0d-730edc0b9051" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_8ab8f4b0-ec17-4fbd-a1ff-6b582716a727" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_8ca8db0c-fe7d-4e94-8761-9b97e47f9dc8" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_8ab8f4b0-ec17-4fbd-a1ff-6b582716a727" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock_7745424e-985d-4e92-a58e-8c50e297d643" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_8ca8db0c-fe7d-4e94-8761-9b97e47f9dc8" xlink:to="loc_us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock_7745424e-985d-4e92-a58e-8c50e297d643" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsOtherAssetsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#BalanceSheetComponentsOtherAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsOtherAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_31500930-e16b-454b-9a03-9309dbf72216" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_1ad64575-0b60-46b1-bcd0-db1de635d448" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedFeesAndOtherRevenueReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_31500930-e16b-454b-9a03-9309dbf72216" xlink:to="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_1ad64575-0b60-46b1-bcd0-db1de635d448" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAssets_72a8f147-9482-41d0-a509-74f6efe8b74e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepositsAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_31500930-e16b-454b-9a03-9309dbf72216" xlink:to="loc_us-gaap_DepositsAssets_72a8f147-9482-41d0-a509-74f6efe8b74e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_caaa27b5-c459-4acf-b86a-d2ce61dc18a3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_31500930-e16b-454b-9a03-9309dbf72216" xlink:to="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_caaa27b5-c459-4acf-b86a-d2ce61dc18a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_42aa62f7-805d-41e4-88fd-38dbfd79eec1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_31500930-e16b-454b-9a03-9309dbf72216" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_42aa62f7-805d-41e4-88fd-38dbfd79eec1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMiscellaneous_786da1fd-73b2-43e4-aa80-8a159e5c7d5b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsMiscellaneous"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_31500930-e16b-454b-9a03-9309dbf72216" xlink:to="loc_us-gaap_OtherAssetsMiscellaneous_786da1fd-73b2-43e4-aa80-8a159e5c7d5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_f4e9a925-22ea-445b-93b8-aeccfe14a0f0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_31500930-e16b-454b-9a03-9309dbf72216" xlink:to="loc_us-gaap_OtherAssets_f4e9a925-22ea-445b-93b8-aeccfe14a0f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsPropertyPlantandEquipmentDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#BalanceSheetComponentsPropertyPlantandEquipmentDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsPropertyPlantandEquipmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_3f4c8a79-6cd4-4d63-8d59-03035c0b017c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_24e33466-d4ba-42ca-9d3e-2f7e1f503e3e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_3f4c8a79-6cd4-4d63-8d59-03035c0b017c" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_24e33466-d4ba-42ca-9d3e-2f7e1f503e3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_9ac4de1a-f069-4e2f-a098-57e8ed69ecc5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_24e33466-d4ba-42ca-9d3e-2f7e1f503e3e" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_9ac4de1a-f069-4e2f-a098-57e8ed69ecc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_d1cbeef1-0d2f-4204-9d07-2b598a2bca74" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_9ac4de1a-f069-4e2f-a098-57e8ed69ecc5" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_d1cbeef1-0d2f-4204-9d07-2b598a2bca74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareDevelopmentMember_a924313e-a710-41fd-bdb3-d30e8f556f9c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SoftwareDevelopmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_d1cbeef1-0d2f-4204-9d07-2b598a2bca74" xlink:to="loc_us-gaap_SoftwareDevelopmentMember_a924313e-a710-41fd-bdb3-d30e8f556f9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComputerEquipmentMember_f445d84f-ea17-4b28-a110-52a9cf0e8106" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComputerEquipmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_d1cbeef1-0d2f-4204-9d07-2b598a2bca74" xlink:to="loc_us-gaap_ComputerEquipmentMember_f445d84f-ea17-4b28-a110-52a9cf0e8106" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember_856a4e48-f6ba-4796-aa29-c9f52b0644cb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_d1cbeef1-0d2f-4204-9d07-2b598a2bca74" xlink:to="loc_us-gaap_FurnitureAndFixturesMember_856a4e48-f6ba-4796-aa29-c9f52b0644cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseholdImprovementsMember_a0ec66ec-be67-4cdd-8abc-7fd6ccb689af" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeaseholdImprovementsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_d1cbeef1-0d2f-4204-9d07-2b598a2bca74" xlink:to="loc_us-gaap_LeaseholdImprovementsMember_a0ec66ec-be67-4cdd-8abc-7fd6ccb689af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PropertyEquipmentAndSoftwareMember_9b7ae7d8-407c-4704-9d4e-e39b7218ddc6" xlink:href="upst-20211231.xsd#upst_PropertyEquipmentAndSoftwareMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_d1cbeef1-0d2f-4204-9d07-2b598a2bca74" xlink:to="loc_upst_PropertyEquipmentAndSoftwareMember_9b7ae7d8-407c-4704-9d4e-e39b7218ddc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_08ad0905-aea4-40a8-a392-99ed186757b7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_24e33466-d4ba-42ca-9d3e-2f7e1f503e3e" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentLineItems_08ad0905-aea4-40a8-a392-99ed186757b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_580fe251-1f6e-42c0-b57e-a2e5855f8f24" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_08ad0905-aea4-40a8-a392-99ed186757b7" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_580fe251-1f6e-42c0-b57e-a2e5855f8f24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_43be3366-9e65-455b-ae57-eb57db115a09" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_08ad0905-aea4-40a8-a392-99ed186757b7" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_43be3366-9e65-455b-ae57-eb57db115a09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_047bad09-7d8d-4e5e-a3a0-88c8f8a692f8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_08ad0905-aea4-40a8-a392-99ed186757b7" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_047bad09-7d8d-4e5e-a3a0-88c8f8a692f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_b95704d2-9c93-450c-9c69-5d8e8f738ce0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_08ad0905-aea4-40a8-a392-99ed186757b7" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_b95704d2-9c93-450c-9c69-5d8e8f738ce0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareNet_521a9177-6965-4d87-b518-0ddefba8112a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CapitalizedComputerSoftwareNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_08ad0905-aea4-40a8-a392-99ed186757b7" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareNet_521a9177-6965-4d87-b518-0ddefba8112a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_cd868195-cf42-45c7-a7e2-0082e5ebd842" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_a0baa10e-0868-4dba-babb-c281bcd7a6bb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_cd868195-cf42-45c7-a7e2-0082e5ebd842" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_a0baa10e-0868-4dba-babb-c281bcd7a6bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_a831e410-731c-4267-97d9-5418ea998b26" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_cd868195-cf42-45c7-a7e2-0082e5ebd842" xlink:to="loc_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_a831e410-731c-4267-97d9-5418ea998b26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_740cd3aa-57e0-4c71-8bc3-07a1db6f35eb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_cd868195-cf42-45c7-a7e2-0082e5ebd842" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_740cd3aa-57e0-4c71-8bc3-07a1db6f35eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilityAtFairValueAmount_6a19c856-7058-4e9c-8ca9-7d5fb2da01ec" xlink:href="upst-20211231.xsd#upst_TrailingFeeLiabilityAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_cd868195-cf42-45c7-a7e2-0082e5ebd842" xlink:to="loc_upst_TrailingFeeLiabilityAtFairValueAmount_6a19c856-7058-4e9c-8ca9-7d5fb2da01ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_f0be4f8b-ac14-4376-a646-ef8bcbd0b3b2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_cd868195-cf42-45c7-a7e2-0082e5ebd842" xlink:to="loc_us-gaap_OtherLiabilities_f0be4f8b-ac14-4376-a646-ef8bcbd0b3b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_26180048-6868-4a90-aa9c-85964a0832a4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_cd868195-cf42-45c7-a7e2-0082e5ebd842" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_26180048-6868-4a90-aa9c-85964a0832a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/Borrowings" xlink:type="simple" xlink:href="upst-20211231.xsd#Borrowings"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/Borrowings" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_4a69c722-b6b4-4f82-b72d-a69379d08f2d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_0199655f-c490-4436-b1de-640fefbf834b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_4a69c722-b6b4-4f82-b72d-a69379d08f2d" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_0199655f-c490-4436-b1de-640fefbf834b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsTables" xlink:type="simple" xlink:href="upst-20211231.xsd#BorrowingsTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_57c6c8b2-c3f3-455e-82f6-cafbf10321e8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock_380f29d3-ef17-47b0-8ad4-aa6868099e90" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_57c6c8b2-c3f3-455e-82f6-cafbf10321e8" xlink:to="loc_us-gaap_ScheduleOfDebtTableTextBlock_380f29d3-ef17-47b0-8ad4-aa6868099e90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_44ebf561-acc3-4b11-8d73-7ae13ad960ac" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_57c6c8b2-c3f3-455e-82f6-cafbf10321e8" xlink:to="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_44ebf561-acc3-4b11-8d73-7ae13ad960ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfMaturitiesOfBorrowingsTableTextBlock_9d4887d6-dbdb-4b92-9922-07734e332f0d" xlink:href="upst-20211231.xsd#upst_ScheduleOfMaturitiesOfBorrowingsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_57c6c8b2-c3f3-455e-82f6-cafbf10321e8" xlink:to="loc_upst_ScheduleOfMaturitiesOfBorrowingsTableTextBlock_9d4887d6-dbdb-4b92-9922-07734e332f0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsSummaryDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#BorrowingsSummaryDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsSummaryDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_9249e209-a33f-47ab-8d15-cdc617247ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsTable_d66dab87-e8bc-42a1-a834-626ca94b1c78" xlink:href="upst-20211231.xsd#upst_ScheduleOfBorrowingsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_9249e209-a33f-47ab-8d15-cdc617247ea1" xlink:to="loc_upst_ScheduleOfBorrowingsTable_d66dab87-e8bc-42a1-a834-626ca94b1c78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_14d69283-61f0-4a2b-a980-e585206a22be" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_d66dab87-e8bc-42a1-a834-626ca94b1c78" xlink:to="loc_us-gaap_DebtInstrumentAxis_14d69283-61f0-4a2b-a980-e585206a22be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_1c747487-889b-474b-bb9f-e47d5a01e082" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_14d69283-61f0-4a2b-a980-e585206a22be" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_1c747487-889b-474b-bb9f-e47d5a01e082" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TermLoansMember_63fdd468-9ea7-4bc9-a6a1-2070e0e279bc" xlink:href="upst-20211231.xsd#upst_TermLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1c747487-889b-474b-bb9f-e47d5a01e082" xlink:to="loc_upst_TermLoansMember_63fdd468-9ea7-4bc9-a6a1-2070e0e279bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_UNICreditFacilityMember_060761e6-2393-4723-886a-f7addc8e01d8" xlink:href="upst-20211231.xsd#upst_UNICreditFacilityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1c747487-889b-474b-bb9f-e47d5a01e082" xlink:to="loc_upst_UNICreditFacilityMember_060761e6-2393-4723-886a-f7addc8e01d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WarehouseCreditFacilityMember_af38d147-84f8-42f2-9e7d-9ee28d09f2d8" xlink:href="upst-20211231.xsd#upst_WarehouseCreditFacilityMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1c747487-889b-474b-bb9f-e47d5a01e082" xlink:to="loc_upst_WarehouseCreditFacilityMember_af38d147-84f8-42f2-9e7d-9ee28d09f2d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RiskRetentionFundingLoansMember_03525f42-6ea7-46f4-80dd-76177beac489" xlink:href="upst-20211231.xsd#upst_RiskRetentionFundingLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1c747487-889b-474b-bb9f-e47d5a01e082" xlink:to="loc_upst_RiskRetentionFundingLoansMember_03525f42-6ea7-46f4-80dd-76177beac489" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentySixNotesMember_02b7d2f2-33e5-4717-b996-0ca3bb2cdb4a" xlink:href="upst-20211231.xsd#upst_TwentyTwentySixNotesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1c747487-889b-474b-bb9f-e47d5a01e082" xlink:to="loc_upst_TwentyTwentySixNotesMember_02b7d2f2-33e5-4717-b996-0ca3bb2cdb4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_4c713e17-2e78-40ee-b436-ec93e2dac3cc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_d66dab87-e8bc-42a1-a834-626ca94b1c78" xlink:to="loc_us-gaap_CreditFacilityAxis_4c713e17-2e78-40ee-b436-ec93e2dac3cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_fcd33b81-ab54-4fae-9813-b27daa01a8a1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_4c713e17-2e78-40ee-b436-ec93e2dac3cc" xlink:to="loc_us-gaap_CreditFacilityDomain_fcd33b81-ab54-4fae-9813-b27daa01a8a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_cd776ff1-2897-4ae3-8bc4-9a12f9069117" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_fcd33b81-ab54-4fae-9813-b27daa01a8a1" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_cd776ff1-2897-4ae3-8bc4-9a12f9069117" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsLineItems_e4facdb7-c1c5-4f2e-b644-4717914f5a77" xlink:href="upst-20211231.xsd#upst_ScheduleOfBorrowingsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_d66dab87-e8bc-42a1-a834-626ca94b1c78" xlink:to="loc_upst_ScheduleOfBorrowingsLineItems_e4facdb7-c1c5-4f2e-b644-4717914f5a77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_5c303332-0fd2-4a88-b498-48d4370e400d" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_e4facdb7-c1c5-4f2e-b644-4717914f5a77" xlink:to="loc_upst_LongTermAndShortTermDebtGross_5c303332-0fd2-4a88-b498-48d4370e400d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_af5e1fd2-2c89-4767-9328-e029d505de08" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_e4facdb7-c1c5-4f2e-b644-4717914f5a77" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_af5e1fd2-2c89-4767-9328-e029d505de08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_87e630f0-af47-41ee-955c-af11ed1097d1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_e4facdb7-c1c5-4f2e-b644-4717914f5a77" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_87e630f0-af47-41ee-955c-af11ed1097d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#BorrowingsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_8f5f6aa4-0a84-4de4-a69b-e87a761bfa35" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:href="upst-20211231.xsd#upst_ScheduleOfBorrowingsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_8f5f6aa4-0a84-4de4-a69b-e87a761bfa35" xlink:to="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_270f19ac-6368-4a0c-b3f0-4c71f0d6a1d5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableRateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:to="loc_us-gaap_VariableRateAxis_270f19ac-6368-4a0c-b3f0-4c71f0d6a1d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_4908b290-1d48-4c6a-bbb0-9d9f33fcff04" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableRateDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_270f19ac-6368-4a0c-b3f0-4c71f0d6a1d5" xlink:to="loc_us-gaap_VariableRateDomain_4908b290-1d48-4c6a-bbb0-9d9f33fcff04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrimeRateMember_08aa4a51-c955-4360-adcf-abac80894cb4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrimeRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_4908b290-1d48-4c6a-bbb0-9d9f33fcff04" xlink:to="loc_us-gaap_PrimeRateMember_08aa4a51-c955-4360-adcf-abac80894cb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_f7bcb577-b991-4c0b-979f-3079d9112413" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_4908b290-1d48-4c6a-bbb0-9d9f33fcff04" xlink:to="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_f7bcb577-b991-4c0b-979f-3079d9112413" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WeightedAverageCostOfCommercialPaperNotesIssuedByTheLenderMember_0e165c52-4e3c-4ca4-a89f-f81222a87c72" xlink:href="upst-20211231.xsd#upst_WeightedAverageCostOfCommercialPaperNotesIssuedByTheLenderMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_4908b290-1d48-4c6a-bbb0-9d9f33fcff04" xlink:to="loc_upst_WeightedAverageCostOfCommercialPaperNotesIssuedByTheLenderMember_0e165c52-4e3c-4ca4-a89f-f81222a87c72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_da290bb1-e0ce-4c6f-915b-73c84af9311f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:to="loc_us-gaap_DebtInstrumentAxis_da290bb1-e0ce-4c6f-915b-73c84af9311f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_da290bb1-e0ce-4c6f-915b-73c84af9311f" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_MezzanineLoanMember_649078b4-4853-4678-9640-659bc6994a1c" xlink:href="upst-20211231.xsd#upst_MezzanineLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:to="loc_upst_MezzanineLoanMember_649078b4-4853-4678-9640-659bc6994a1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TermLoansMember_6a018f0e-6628-466d-b559-f9f33b523911" xlink:href="upst-20211231.xsd#upst_TermLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:to="loc_upst_TermLoansMember_6a018f0e-6628-466d-b559-f9f33b523911" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_UNICreditFacilityMember_b5227210-04c1-4839-9995-be4dc6dd6286" xlink:href="upst-20211231.xsd#upst_UNICreditFacilityMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:to="loc_upst_UNICreditFacilityMember_b5227210-04c1-4839-9995-be4dc6dd6286" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WLTWarehouseCreditFacilityMember_3ff93dd0-4d43-43d0-aba2-0901f1f81dad" xlink:href="upst-20211231.xsd#upst_WLTWarehouseCreditFacilityMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:to="loc_upst_WLTWarehouseCreditFacilityMember_3ff93dd0-4d43-43d0-aba2-0901f1f81dad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_UAWTWarehouseCreditFacilityMember_c465b4cd-565d-4885-a504-8c97de9a64fd" xlink:href="upst-20211231.xsd#upst_UAWTWarehouseCreditFacilityMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:to="loc_upst_UAWTWarehouseCreditFacilityMember_c465b4cd-565d-4885-a504-8c97de9a64fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RiskRetentionFundingLoansMember_b356a2e2-ff61-4fb3-aff3-65ded9889c9d" xlink:href="upst-20211231.xsd#upst_RiskRetentionFundingLoansMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:to="loc_upst_RiskRetentionFundingLoansMember_b356a2e2-ff61-4fb3-aff3-65ded9889c9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_A20182RRFinancingAgreementMember_e8fcfa90-5b89-464e-86fc-d51a6c3e25b1" xlink:href="upst-20211231.xsd#upst_A20182RRFinancingAgreementMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_RiskRetentionFundingLoansMember_b356a2e2-ff61-4fb3-aff3-65ded9889c9d" xlink:to="loc_upst_A20182RRFinancingAgreementMember_e8fcfa90-5b89-464e-86fc-d51a6c3e25b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_A20192RRFinancingAgreementMember_1df52a25-daf4-43b2-b14f-0c4fe82f856d" xlink:href="upst-20211231.xsd#upst_A20192RRFinancingAgreementMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_RiskRetentionFundingLoansMember_b356a2e2-ff61-4fb3-aff3-65ded9889c9d" xlink:to="loc_upst_A20192RRFinancingAgreementMember_1df52a25-daf4-43b2-b14f-0c4fe82f856d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentySixNotesMember_0a442c1e-ad22-4014-903f-74c865f6b8b9" xlink:href="upst-20211231.xsd#upst_TwentyTwentySixNotesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_edbec530-7c47-4ef3-b140-edd29321ddcc" xlink:to="loc_upst_TwentyTwentySixNotesMember_0a442c1e-ad22-4014-903f-74c865f6b8b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_45ba7dc4-16db-4fb2-a0a1-545c32acf8d1" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:to="loc_srt_RangeAxis_45ba7dc4-16db-4fb2-a0a1-545c32acf8d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_0d66e42a-2af5-4396-ab7f-fca549b84298" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_45ba7dc4-16db-4fb2-a0a1-545c32acf8d1" xlink:to="loc_srt_RangeMember_0d66e42a-2af5-4396-ab7f-fca549b84298" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_d2ba8fe5-6790-467b-a6f9-6398fdf2a9a9" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_0d66e42a-2af5-4396-ab7f-fca549b84298" xlink:to="loc_srt_MinimumMember_d2ba8fe5-6790-467b-a6f9-6398fdf2a9a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_145dfb78-0c38-4d5d-b5e1-446f693e55bb" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_0d66e42a-2af5-4396-ab7f-fca549b84298" xlink:to="loc_srt_MaximumMember_145dfb78-0c38-4d5d-b5e1-446f693e55bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_88868263-93cf-4b5a-97f5-482fb339e624" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:to="loc_us-gaap_CreditFacilityAxis_88868263-93cf-4b5a-97f5-482fb339e624" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_344325b0-a751-4cc8-b413-a61c5c26789f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_88868263-93cf-4b5a-97f5-482fb339e624" xlink:to="loc_us-gaap_CreditFacilityDomain_344325b0-a751-4cc8-b413-a61c5c26789f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_a2dcbe87-5b7d-4ce3-81e4-a47c8c428f66" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_344325b0-a751-4cc8-b413-a61c5c26789f" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_a2dcbe87-5b7d-4ce3-81e4-a47c8c428f66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_fb438431-e025-4f3a-b780-2c515c3bbb52" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_fb438431-e025-4f3a-b780-2c515c3bbb52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_ff23db62-b921-47f4-9657-0e101a83b702" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_fb438431-e025-4f3a-b780-2c515c3bbb52" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_ff23db62-b921-47f4-9657-0e101a83b702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtMember_0797bfb5-be0b-45cc-a11f-0152855b5967" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_ff23db62-b921-47f4-9657-0e101a83b702" xlink:to="loc_us-gaap_ConvertibleDebtMember_0797bfb5-be0b-45cc-a11f-0152855b5967" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConversionAxis_3bf94f9c-f496-4b6d-9850-0dba933da583" xlink:href="upst-20211231.xsd#upst_DebtInstrumentConversionAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:to="loc_upst_DebtInstrumentConversionAxis_3bf94f9c-f496-4b6d-9850-0dba933da583" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConversionDomain_8dcc8cc3-68c7-42ca-ab56-e75d8d499997" xlink:href="upst-20211231.xsd#upst_DebtInstrumentConversionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DebtInstrumentConversionAxis_3bf94f9c-f496-4b6d-9850-0dba933da583" xlink:to="loc_upst_DebtInstrumentConversionDomain_8dcc8cc3-68c7-42ca-ab56-e75d8d499997" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConversionPeriodOneMember_7cd30cc4-85d4-4488-b236-0b36aaac7d3b" xlink:href="upst-20211231.xsd#upst_ConversionPeriodOneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DebtInstrumentConversionDomain_8dcc8cc3-68c7-42ca-ab56-e75d8d499997" xlink:to="loc_upst_ConversionPeriodOneMember_7cd30cc4-85d4-4488-b236-0b36aaac7d3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConversionPeriodTwoMember_206c410c-61ff-43a0-98d8-58003fd94adf" xlink:href="upst-20211231.xsd#upst_ConversionPeriodTwoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DebtInstrumentConversionDomain_8dcc8cc3-68c7-42ca-ab56-e75d8d499997" xlink:to="loc_upst_ConversionPeriodTwoMember_206c410c-61ff-43a0-98d8-58003fd94adf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConversionPeriodThreeMember_a64d0d8f-5ae9-4b3b-bfb0-5f40b94efd00" xlink:href="upst-20211231.xsd#upst_ConversionPeriodThreeMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DebtInstrumentConversionDomain_8dcc8cc3-68c7-42ca-ab56-e75d8d499997" xlink:to="loc_upst_ConversionPeriodThreeMember_a64d0d8f-5ae9-4b3b-bfb0-5f40b94efd00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:href="upst-20211231.xsd#upst_ScheduleOfBorrowingsLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_e1164499-0609-4934-b0d2-c88d6fa74ebd" xlink:to="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_735cf2db-b99b-4d5a-a943-b8c667a4e823" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_735cf2db-b99b-4d5a-a943-b8c667a4e823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_cb44e3ab-b5bb-4238-aab1-8dfaf15814d2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_cb44e3ab-b5bb-4238-aab1-8dfaf15814d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_1e979e15-0e68-42bc-9e0e-7ea04121ac07" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_1e979e15-0e68-42bc-9e0e-7ea04121ac07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt_2ed33db4-8131-4f4f-9f8c-21b2ecdec984" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_RepaymentsOfDebt_2ed33db4-8131-4f4f-9f8c-21b2ecdec984" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_931da9fe-c6e7-47be-b47f-726ced5f64e4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_931da9fe-c6e7-47be-b47f-726ced5f64e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLinesOfCredit_b789a309-2b9c-4ed5-9518-7c3a401f5a7e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfLinesOfCredit"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_RepaymentsOfLinesOfCredit_b789a309-2b9c-4ed5-9518-7c3a401f5a7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_c6e4c024-f1e4-43e3-a087-d474064cd00d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_c6e4c024-f1e4-43e3-a087-d474064cd00d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditFacilityMinimumUtilizationRequirement_fab0d468-85df-404c-82f5-fc239819c69d" xlink:href="upst-20211231.xsd#upst_LineOfCreditFacilityMinimumUtilizationRequirement"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_LineOfCreditFacilityMinimumUtilizationRequirement_fab0d468-85df-404c-82f5-fc239819c69d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_84042e30-2907-409c-8520-36606381fdf4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_84042e30-2907-409c-8520-36606381fdf4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditFacilityMaximumAdvanceRate_970fc7e7-af8e-4d96-a535-178c7a418181" xlink:href="upst-20211231.xsd#upst_LineOfCreditFacilityMaximumAdvanceRate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_LineOfCreditFacilityMaximumAdvanceRate_970fc7e7-af8e-4d96-a535-178c7a418181" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_4247ac60-636e-48b5-912d-48363af1edb6" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_LongTermAndShortTermDebtGross_4247ac60-636e-48b5-912d-48363af1edb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCollateralAmount_84f709b2-5d5c-4a32-b9ac-5bf6ccf6468a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentCollateralAmount"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentCollateralAmount_84f709b2-5d5c-4a32-b9ac-5bf6ccf6468a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentAdditionalAggregatePrincipal_62e01e57-78d1-4035-a559-86b71ea1fcc0" xlink:href="upst-20211231.xsd#upst_DebtInstrumentAdditionalAggregatePrincipal"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_DebtInstrumentAdditionalAggregatePrincipal_62e01e57-78d1-4035-a559-86b71ea1fcc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromConvertibleDebt_eaeff84c-4043-441d-aa2a-1778ce3a005e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromConvertibleDebt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_ProceedsFromConvertibleDebt_eaeff84c-4043-441d-aa2a-1778ce3a005e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionRatio1_485f47e6-6f8c-404c-addf-945d106e6b74" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentConvertibleConversionRatio1"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionRatio1_485f47e6-6f8c-404c-addf-945d106e6b74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_f701c4a6-7612-4f81-9746-bb29c4e06ef5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentConvertibleConversionPrice1"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_f701c4a6-7612-4f81-9746-bb29c4e06ef5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_19311175-6f2e-4aa8-8be5-3e948a742242" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountRedeemed_19311175-6f2e-4aa8-8be5-3e948a742242" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdTradingDays_fd671550-efff-4613-abfd-f139375b656c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentConvertibleThresholdTradingDays"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdTradingDays_fd671550-efff-4613-abfd-f139375b656c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays1_5c482256-d1ee-4313-9d28-75c4f78710a8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays1"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays1_5c482256-d1ee-4313-9d28-75c4f78710a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger_a1b2eec7-03c4-4b79-9ca1-bf15471ab52f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger_a1b2eec7-03c4-4b79-9ca1-bf15471ab52f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleMaximumPercentageOfProductOfLastReportedSalePriceAndConversionRate_5e6d332e-b19f-462e-8761-6bec0b3097a9" xlink:href="upst-20211231.xsd#upst_DebtInstrumentConvertibleMaximumPercentageOfProductOfLastReportedSalePriceAndConversionRate"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_DebtInstrumentConvertibleMaximumPercentageOfProductOfLastReportedSalePriceAndConversionRate_5e6d332e-b19f-462e-8761-6bec0b3097a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsGross_592ebfd3-e1e4-4dcb-8977-c2f207c099ea" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredFinanceCostsGross"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DeferredFinanceCostsGross_592ebfd3-e1e4-4dcb-8977-c2f207c099ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDebtExcludingAmortization_edc71cd7-e1b6-4d05-98aa-a912997bf0a2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseDebtExcludingAmortization"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_InterestExpenseDebtExcludingAmortization_edc71cd7-e1b6-4d05-98aa-a912997bf0a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_e45a2550-743f-4a03-a692-57154fd1dc7a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_e45a2550-743f-4a03-a692-57154fd1dc7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_3b19d079-9460-41fe-a916-f19ad13e2c39" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentInterestRateEffectivePercentage"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_3b19d079-9460-41fe-a916-f19ad13e2c39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentsForCappedCalls_030c5c20-f150-4785-981c-a973276411ea" xlink:href="upst-20211231.xsd#upst_PaymentsForCappedCalls"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_PaymentsForCappedCalls_030c5c20-f150-4785-981c-a973276411ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleCappedCallsInitialStrikePrice_09c08c00-5e1b-4f97-bc9a-03b18da69054" xlink:href="upst-20211231.xsd#upst_DebtInstrumentConvertibleCappedCallsInitialStrikePrice"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_DebtInstrumentConvertibleCappedCallsInitialStrikePrice_09c08c00-5e1b-4f97-bc9a-03b18da69054" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleCappedCallsInitialCapPrice_12bf5b58-a6a9-44c3-b1e4-8ac74d7959b6" xlink:href="upst-20211231.xsd#upst_DebtInstrumentConvertibleCappedCallsInitialCapPrice"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_DebtInstrumentConvertibleCappedCallsInitialCapPrice_12bf5b58-a6a9-44c3-b1e4-8ac74d7959b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleCappedCallsNumberOfSharesOfCommonStockCovered_0bc15957-5972-4094-a99c-8ce4068481e3" xlink:href="upst-20211231.xsd#upst_DebtInstrumentConvertibleCappedCallsNumberOfSharesOfCommonStockCovered"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_354fe02a-4f6d-46ea-a5f3-e2f560f962bd" xlink:to="loc_upst_DebtInstrumentConvertibleCappedCallsNumberOfSharesOfCommonStockCovered_0bc15957-5972-4094-a99c-8ce4068481e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsAssetsPledgedasCollateralDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#BorrowingsAssetsPledgedasCollateralDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsAssetsPledgedasCollateralDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_8b9d28b5-d268-4d22-aee0-bf8771abd568" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsTable_9b0a51e4-4f04-4dbb-b579-b492e97c430f" xlink:href="upst-20211231.xsd#upst_ScheduleOfBorrowingsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_8b9d28b5-d268-4d22-aee0-bf8771abd568" xlink:to="loc_upst_ScheduleOfBorrowingsTable_9b0a51e4-4f04-4dbb-b579-b492e97c430f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_007e09af-cf32-45c6-aab1-f9a00207f051" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_9b0a51e4-4f04-4dbb-b579-b492e97c430f" xlink:to="loc_us-gaap_DebtInstrumentAxis_007e09af-cf32-45c6-aab1-f9a00207f051" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_216aee89-65ce-4a95-bf56-36e6d008f3b6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_007e09af-cf32-45c6-aab1-f9a00207f051" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_216aee89-65ce-4a95-bf56-36e6d008f3b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WLTWarehouseCreditFacilityMember_0615900e-2abe-4f94-b4a6-1aa7edcd35c6" xlink:href="upst-20211231.xsd#upst_WLTWarehouseCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_216aee89-65ce-4a95-bf56-36e6d008f3b6" xlink:to="loc_upst_WLTWarehouseCreditFacilityMember_0615900e-2abe-4f94-b4a6-1aa7edcd35c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_a03ed9b2-107b-4ff2-9b3f-afe06ab34792" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_9b0a51e4-4f04-4dbb-b579-b492e97c430f" xlink:to="loc_us-gaap_CreditFacilityAxis_a03ed9b2-107b-4ff2-9b3f-afe06ab34792" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_a695ab68-7711-42b7-b8f8-badbd3a26c2c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_a03ed9b2-107b-4ff2-9b3f-afe06ab34792" xlink:to="loc_us-gaap_CreditFacilityDomain_a695ab68-7711-42b7-b8f8-badbd3a26c2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_57b1950d-fc5e-4e22-b4ff-4001c86cb895" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_a695ab68-7711-42b7-b8f8-badbd3a26c2c" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_57b1950d-fc5e-4e22-b4ff-4001c86cb895" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_049cf8bf-7794-472d-916a-a07e65a05a6a" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_9b0a51e4-4f04-4dbb-b579-b492e97c430f" xlink:to="loc_srt_ConsolidatedEntitiesAxis_049cf8bf-7794-472d-916a-a07e65a05a6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_119b0bfb-0727-4373-b24d-42a0588a8d08" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_049cf8bf-7794-472d-916a-a07e65a05a6a" xlink:to="loc_srt_ConsolidatedEntitiesDomain_119b0bfb-0727-4373-b24d-42a0588a8d08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_a730bde1-14e0-45e8-9645-2209ec6bef97" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_119b0bfb-0727-4373-b24d-42a0588a8d08" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_a730bde1-14e0-45e8-9645-2209ec6bef97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsLineItems_7c1200fe-97bf-40aa-939d-6e39a7469ccc" xlink:href="upst-20211231.xsd#upst_ScheduleOfBorrowingsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_9b0a51e4-4f04-4dbb-b579-b492e97c430f" xlink:to="loc_upst_ScheduleOfBorrowingsLineItems_7c1200fe-97bf-40aa-939d-6e39a7469ccc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_086b1b2e-ea23-4a3a-bfc6-dce01dc566bd" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_7c1200fe-97bf-40aa-939d-6e39a7469ccc" xlink:to="loc_upst_LongTermAndShortTermDebtGross_086b1b2e-ea23-4a3a-bfc6-dce01dc566bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansPledgedAsCollateral_730017b5-9a3b-46c0-9c4c-e11af210e4b2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansPledgedAsCollateral"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_7c1200fe-97bf-40aa-939d-6e39a7469ccc" xlink:to="loc_us-gaap_LoansPledgedAsCollateral_730017b5-9a3b-46c0-9c4c-e11af210e4b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_f2f01bdf-9b28-4522-ba8a-567981d7877d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_7c1200fe-97bf-40aa-939d-6e39a7469ccc" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_f2f01bdf-9b28-4522-ba8a-567981d7877d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_0b929b6a-529f-4890-a011-2332e58bbfd7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_7c1200fe-97bf-40aa-939d-6e39a7469ccc" xlink:to="loc_us-gaap_RestrictedCash_0b929b6a-529f-4890-a011-2332e58bbfd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsMaturityDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#BorrowingsMaturityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearOne_afc2bfa6-1163-4682-ad7e-c89b7d83951e" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtMaturityYearOne"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearOne_afc2bfa6-1163-4682-ad7e-c89b7d83951e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearTwo_c72668d6-91a1-4d1a-b114-4a11edebcc99" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtMaturityYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearTwo_c72668d6-91a1-4d1a-b114-4a11edebcc99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearThree_03d4a025-e53d-4a28-a825-e1edc966952e" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtMaturityYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearThree_03d4a025-e53d-4a28-a825-e1edc966952e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearFour_4be40268-6b1e-4230-b947-81d5bf8e6d2c" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtMaturityYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearFour_4be40268-6b1e-4230-b947-81d5bf8e6d2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearFive_792112fa-c9f2-4b62-81b8-f3d036c91ec5" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtMaturityYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearFive_792112fa-c9f2-4b62-81b8-f3d036c91ec5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityAfterYearFive_32c8cc5d-6f4f-4bcf-b859-23488138cc6e" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtMaturityAfterYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityAfterYearFive_32c8cc5d-6f4f-4bcf-b859-23488138cc6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_d9b0d745-3fa9-4b7f-bf3d-fe4dcb312bb5" xlink:href="upst-20211231.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_47792529-956f-498f-a216-4d21ddebfb5f" xlink:to="loc_upst_LongTermAndShortTermDebtGross_d9b0d745-3fa9-4b7f-bf3d-fe4dcb312bb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlans" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlans"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlans" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_12fc64b3-f4a4-4bdd-b147-3fc0391549be" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_64c11942-fcce-4609-a06a-1ec398fff1f8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_12fc64b3-f4a4-4bdd-b147-3fc0391549be" xlink:to="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_64c11942-fcce-4609-a06a-1ec398fff1f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlansTables" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlansTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlansTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4f77ce5a-e2be-4c2c-bb4f-3b11c00ab1bb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfClassOfStockAndWarrantsOrRightsTableTextBlock_1eef0a59-6d88-43f5-8ffd-a6cd5eeb945a" xlink:href="upst-20211231.xsd#upst_ScheduleOfClassOfStockAndWarrantsOrRightsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4f77ce5a-e2be-4c2c-bb4f-3b11c00ab1bb" xlink:to="loc_upst_ScheduleOfClassOfStockAndWarrantsOrRightsTableTextBlock_1eef0a59-6d88-43f5-8ffd-a6cd5eeb945a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockOptionsRollForwardTableTextBlock_337502ce-bf6b-448c-a910-0e100533c69a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfStockOptionsRollForwardTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4f77ce5a-e2be-4c2c-bb4f-3b11c00ab1bb" xlink:to="loc_us-gaap_ScheduleOfStockOptionsRollForwardTableTextBlock_337502ce-bf6b-448c-a910-0e100533c69a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock_127d8c50-c271-457c-91fd-058571a1556f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4f77ce5a-e2be-4c2c-bb4f-3b11c00ab1bb" xlink:to="loc_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock_127d8c50-c271-457c-91fd-058571a1556f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_f6f01c1d-27f3-4a72-aa7c-8fe08bc69fc2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4f77ce5a-e2be-4c2c-bb4f-3b11c00ab1bb" xlink:to="loc_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_f6f01c1d-27f3-4a72-aa7c-8fe08bc69fc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_80172fab-a7ad-484d-9dad-cf82dc2168da" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4f77ce5a-e2be-4c2c-bb4f-3b11c00ab1bb" xlink:to="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_80172fab-a7ad-484d-9dad-cf82dc2168da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock_a4394aad-1dd9-4f3a-9b23-f4d389267660" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4f77ce5a-e2be-4c2c-bb4f-3b11c00ab1bb" xlink:to="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock_a4394aad-1dd9-4f3a-9b23-f4d389267660" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlansNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlansNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_b3588ede-10d9-4795-a233-39324e1f9e80" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_b3588ede-10d9-4795-a233-39324e1f9e80" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_d7279b6f-e5ce-444c-a16a-c396d857e1d7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_us-gaap_AwardTypeAxis_d7279b6f-e5ce-444c-a16a-c396d857e1d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_4a4b4991-e8b9-4e94-9a4e-33996cdc4f3e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_d7279b6f-e5ce-444c-a16a-c396d857e1d7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_4a4b4991-e8b9-4e94-9a4e-33996cdc4f3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncentiveStockOptionsAndNonStatutoryStockOptionsMember_0c376ac9-b491-4292-850e-f0136618b309" xlink:href="upst-20211231.xsd#upst_IncentiveStockOptionsAndNonStatutoryStockOptionsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_4a4b4991-e8b9-4e94-9a4e-33996cdc4f3e" xlink:to="loc_upst_IncentiveStockOptionsAndNonStatutoryStockOptionsMember_0c376ac9-b491-4292-850e-f0136618b309" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncentiveStockOptionMember_d0f073a0-b775-4d80-8b0b-24ba92b4f928" xlink:href="upst-20211231.xsd#upst_IncentiveStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_IncentiveStockOptionsAndNonStatutoryStockOptionsMember_0c376ac9-b491-4292-850e-f0136618b309" xlink:to="loc_upst_IncentiveStockOptionMember_d0f073a0-b775-4d80-8b0b-24ba92b4f928" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_0e510956-15e9-4fce-acb6-96acf28247be" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_4a4b4991-e8b9-4e94-9a4e-33996cdc4f3e" xlink:to="loc_us-gaap_EmployeeStockOptionMember_0e510956-15e9-4fce-acb6-96acf28247be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_811e1781-6f0b-4296-9998-fa4399190d48" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_4a4b4991-e8b9-4e94-9a4e-33996cdc4f3e" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_811e1781-6f0b-4296-9998-fa4399190d48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_5671a667-a635-4c80-9f2a-93e8c98e9bd3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_4a4b4991-e8b9-4e94-9a4e-33996cdc4f3e" xlink:to="loc_us-gaap_RestrictedStockMember_5671a667-a635-4c80-9f2a-93e8c98e9bd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_e68864df-030f-44d1-8a58-cb6c26318a5e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_4a4b4991-e8b9-4e94-9a4e-33996cdc4f3e" xlink:to="loc_us-gaap_EmployeeStockMember_e68864df-030f-44d1-8a58-cb6c26318a5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_a849a9d0-4fa5-4b54-96b2-ae2dd8704783" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_us-gaap_PlanNameAxis_a849a9d0-4fa5-4b54-96b2-ae2dd8704783" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_518f1894-23ad-4c32-b505-f3dcde68ead4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameAxis_a849a9d0-4fa5-4b54-96b2-ae2dd8704783" xlink:to="loc_us-gaap_PlanNameDomain_518f1894-23ad-4c32-b505-f3dcde68ead4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_A2012EquityIncentivePlanMember_b2b36451-cf3c-4f03-ba26-eaf4dd74c764" xlink:href="upst-20211231.xsd#upst_A2012EquityIncentivePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_518f1894-23ad-4c32-b505-f3dcde68ead4" xlink:to="loc_upst_A2012EquityIncentivePlanMember_b2b36451-cf3c-4f03-ba26-eaf4dd74c764" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_A2020EquityIncentivePlanMember_6e2a0961-b1ae-4d0f-aa80-505dcf275dec" xlink:href="upst-20211231.xsd#upst_A2020EquityIncentivePlanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_518f1894-23ad-4c32-b505-f3dcde68ead4" xlink:to="loc_upst_A2020EquityIncentivePlanMember_6e2a0961-b1ae-4d0f-aa80-505dcf275dec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_95d718b7-db16-4806-8fbd-d8e8e4c487c5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_us-gaap_StatementClassOfStockAxis_95d718b7-db16-4806-8fbd-d8e8e4c487c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_46e27281-bb10-4c94-831f-aaa762451b3a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_95d718b7-db16-4806-8fbd-d8e8e4c487c5" xlink:to="loc_us-gaap_ClassOfStockDomain_46e27281-bb10-4c94-831f-aaa762451b3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_3a4d89e1-dd98-46a3-a3b9-0a80909edf42" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_46e27281-bb10-4c94-831f-aaa762451b3a" xlink:to="loc_us-gaap_CommonClassAMember_3a4d89e1-dd98-46a3-a3b9-0a80909edf42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_60317010-527c-4dd1-ae67-88b2fd410d52" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_srt_RangeAxis_60317010-527c-4dd1-ae67-88b2fd410d52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_2e44f7c6-975d-4eca-8144-06bb8d58b130" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_60317010-527c-4dd1-ae67-88b2fd410d52" xlink:to="loc_srt_RangeMember_2e44f7c6-975d-4eca-8144-06bb8d58b130" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_4605e720-4d34-43b8-bfd8-43b687276521" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2e44f7c6-975d-4eca-8144-06bb8d58b130" xlink:to="loc_srt_MinimumMember_4605e720-4d34-43b8-bfd8-43b687276521" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_83fb801e-3748-4064-a4b0-170aa8050492" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2e44f7c6-975d-4eca-8144-06bb8d58b130" xlink:to="loc_srt_MaximumMember_83fb801e-3748-4064-a4b0-170aa8050492" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_d505bce3-2e27-4228-8dba-390782357006" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2e44f7c6-975d-4eca-8144-06bb8d58b130" xlink:to="loc_srt_WeightedAverageMember_d505bce3-2e27-4228-8dba-390782357006" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_22f3d0d3-cd24-4bd8-8e54-9f76fcce8653" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_22f3d0d3-cd24-4bd8-8e54-9f76fcce8653" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_32e28571-0ddd-42db-a89d-9c448e58a853" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_22f3d0d3-cd24-4bd8-8e54-9f76fcce8653" xlink:to="loc_us-gaap_RelatedPartyDomain_32e28571-0ddd-42db-a89d-9c448e58a853" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_GreaterThan10StockholdersMember_2d0aed25-ea48-4dc3-a680-390862255ce9" xlink:href="upst-20211231.xsd#upst_GreaterThan10StockholdersMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_32e28571-0ddd-42db-a89d-9c448e58a853" xlink:to="loc_upst_GreaterThan10StockholdersMember_2d0aed25-ea48-4dc3-a680-390862255ce9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_6159428f-cede-4a59-9803-70681052b436" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_us-gaap_ValuationTechniqueAxis_6159428f-cede-4a59-9803-70681052b436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_2119b39d-a828-4b18-a123-77b7a420b8df" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_6159428f-cede-4a59-9803-70681052b436" xlink:to="loc_us-gaap_ValuationTechniqueDomain_2119b39d-a828-4b18-a123-77b7a420b8df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BlackScholesOptionPricingModelMember_26fdb5b8-c522-4cde-a89e-8837e86bf74f" xlink:href="upst-20211231.xsd#upst_BlackScholesOptionPricingModelMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_2119b39d-a828-4b18-a123-77b7a420b8df" xlink:to="loc_upst_BlackScholesOptionPricingModelMember_26fdb5b8-c522-4cde-a89e-8837e86bf74f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_bad5d98e-88f7-4268-a324-0d94ccf526fc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_bad5d98e-88f7-4268-a324-0d94ccf526fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_aa5cc652-5c01-4f2b-b1bf-5390a4bdcac9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_bad5d98e-88f7-4268-a324-0d94ccf526fc" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_aa5cc652-5c01-4f2b-b1bf-5390a4bdcac9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProdigySoftwareIncMember_4c24ae46-7f4e-47a0-acc6-6d7b4f5b544a" xlink:href="upst-20211231.xsd#upst_ProdigySoftwareIncMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_aa5cc652-5c01-4f2b-b1bf-5390a4bdcac9" xlink:to="loc_upst_ProdigySoftwareIncMember_4c24ae46-7f4e-47a0-acc6-6d7b4f5b544a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_a013d389-bb76-473d-9a02-7c4ad244f1d7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_b86f41ca-1368-41b2-b8ea-e753074869eb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_b86f41ca-1368-41b2-b8ea-e753074869eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_20c36691-674b-4e90-b0da-5879e8ac5c4c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_20c36691-674b-4e90-b0da-5879e8ac5c4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceAsAPercentOfEstimatedFairValue_854775cb-db20-449e-8960-e98305aee54a" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceAsAPercentOfEstimatedFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceAsAPercentOfEstimatedFairValue_854775cb-db20-449e-8960-e98305aee54a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsStockholderOwnership_523c144e-fb65-471b-9078-cd67cdd58e56" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsStockholderOwnership"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsStockholderOwnership_523c144e-fb65-471b-9078-cd67cdd58e56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_59d054db-7d0b-4c57-99f5-80376cf59b69" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_59d054db-7d0b-4c57-99f5-80376cf59b69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_7b441f29-480d-445f-a130-6480c8cb984f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_7b441f29-480d-445f-a130-6480c8cb984f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_20d179c2-df27-4c9b-b7da-9dfd576cf1a2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_20d179c2-df27-4c9b-b7da-9dfd576cf1a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorizedAnnualIncrease_d4dc763b-3532-4a2c-b543-14df959948a5" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorizedAnnualIncrease"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorizedAnnualIncrease_d4dc763b-3532-4a2c-b543-14df959948a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorizedAnnualIncreasePercentOfOutstandingShares_7a14f737-aedf-4940-bb16-1cba16a9b876" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorizedAnnualIncreasePercentOfOutstandingShares"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorizedAnnualIncreasePercentOfOutstandingShares_7a14f737-aedf-4940-bb16-1cba16a9b876" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_9584eccb-1ec6-4bd8-b520-2a79f8271302" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_9584eccb-1ec6-4bd8-b520-2a79f8271302" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_1099a37d-305d-47ba-9171-eec78365b084" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_1099a37d-305d-47ba-9171-eec78365b084" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAssumedInAcquisitionWeightedAverageGrantDateFairValue_8eda3710-73b2-449f-8b26-3657ce04a708" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAssumedInAcquisitionWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAssumedInAcquisitionWeightedAverageGrantDateFairValue_8eda3710-73b2-449f-8b26-3657ce04a708" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1_4ab8cc91-8702-4eaa-8e50-41f91ab73c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1_4ab8cc91-8702-4eaa-8e50-41f91ab73c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_0c938dd7-cd39-49d8-9e78-768faae1302c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_0c938dd7-cd39-49d8-9e78-768faae1302c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_48a57b45-d9bb-413e-ae32-8cd4459e28e7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_48a57b45-d9bb-413e-ae32-8cd4459e28e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_aa4bee48-a909-4c25-be3b-1733097b0895" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_aa4bee48-a909-4c25-be3b-1733097b0895" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_e45572be-2206-414a-8fe4-b7874ba04061" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_e45572be-2206-414a-8fe4-b7874ba04061" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross_4a943965-8aa9-47ad-a16d-c1f0910167d1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross_4a943965-8aa9-47ad-a16d-c1f0910167d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod_a5e701e8-7283-45d2-ac59-d0df40de1ded" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod_a5e701e8-7283-45d2-ac59-d0df40de1ded" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent_fede2ac1-b546-49d5-8195-5365adf5a3c2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent_fede2ac1-b546-49d5-8195-5365adf5a3c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_ebf961f4-6554-465c-abf8-9f5ae43e6b74" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_ebf961f4-6554-465c-abf8-9f5ae43e6b74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod_8814b256-06cf-4941-82fe-ca3af8b87a73" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dc92f4e0-98ed-4414-90d4-b50b5e5eacc8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod_8814b256-06cf-4941-82fe-ca3af8b87a73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlansReservedSharesofCommonStockforIssuanceDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlansReservedSharesofCommonStockforIssuanceDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlansReservedSharesofCommonStockforIssuanceDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f973ce68-c7f5-416c-8268-9325451e51da" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_84cbe2b5-bb24-4efc-a180-058b3b1d02ab" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f973ce68-c7f5-416c-8268-9325451e51da" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_84cbe2b5-bb24-4efc-a180-058b3b1d02ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_530252f8-4716-4919-bb90-508c335d516b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_84cbe2b5-bb24-4efc-a180-058b3b1d02ab" xlink:to="loc_us-gaap_AwardTypeAxis_530252f8-4716-4919-bb90-508c335d516b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b82a2739-c800-448c-a8cb-2bd50e9534e0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_530252f8-4716-4919-bb90-508c335d516b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b82a2739-c800-448c-a8cb-2bd50e9534e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_81aaf04a-0c64-4e45-a07b-4c00316937b2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b82a2739-c800-448c-a8cb-2bd50e9534e0" xlink:to="loc_us-gaap_EmployeeStockOptionMember_81aaf04a-0c64-4e45-a07b-4c00316937b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_88c6b925-d888-49ca-8fee-d2ab1d3cf8dc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b82a2739-c800-448c-a8cb-2bd50e9534e0" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_88c6b925-d888-49ca-8fee-d2ab1d3cf8dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_dc78b592-b71b-4810-b9d0-41ce126f4a56" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b82a2739-c800-448c-a8cb-2bd50e9534e0" xlink:to="loc_us-gaap_EmployeeStockMember_dc78b592-b71b-4810-b9d0-41ce126f4a56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_7387061b-377f-4390-bc61-30ffbd7bc132" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_84cbe2b5-bb24-4efc-a180-058b3b1d02ab" xlink:to="loc_us-gaap_PlanNameAxis_7387061b-377f-4390-bc61-30ffbd7bc132" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_cdf89966-7e80-437d-907d-6dd44a8fb658" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameAxis_7387061b-377f-4390-bc61-30ffbd7bc132" xlink:to="loc_us-gaap_PlanNameDomain_cdf89966-7e80-437d-907d-6dd44a8fb658" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_A2020EquityIncentivePlanMember_e36653e7-44b4-40e5-b023-a0e57709ee60" xlink:href="upst-20211231.xsd#upst_A2020EquityIncentivePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_cdf89966-7e80-437d-907d-6dd44a8fb658" xlink:to="loc_upst_A2020EquityIncentivePlanMember_e36653e7-44b4-40e5-b023-a0e57709ee60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_85f07e58-de4e-44f5-847f-63b00570ed5c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_84cbe2b5-bb24-4efc-a180-058b3b1d02ab" xlink:to="loc_us-gaap_StatementClassOfStockAxis_85f07e58-de4e-44f5-847f-63b00570ed5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_c555d0be-bf60-4ace-864b-407de849871a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_85f07e58-de4e-44f5-847f-63b00570ed5c" xlink:to="loc_us-gaap_ClassOfStockDomain_c555d0be-bf60-4ace-864b-407de849871a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_5fe1a1ef-4109-42b5-b9ec-d95726083396" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_c555d0be-bf60-4ace-864b-407de849871a" xlink:to="loc_us-gaap_CommonClassAMember_5fe1a1ef-4109-42b5-b9ec-d95726083396" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_b61d936e-472e-4e81-bc9f-3b0b959ae4d2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_84cbe2b5-bb24-4efc-a180-058b3b1d02ab" xlink:to="loc_us-gaap_ClassOfStockLineItems_b61d936e-472e-4e81-bc9f-3b0b959ae4d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_fa3630da-46b6-4e94-a470-ea33e59bbfb2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b61d936e-472e-4e81-bc9f-3b0b959ae4d2" xlink:to="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_fa3630da-46b6-4e94-a470-ea33e59bbfb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightUnissued_f0fc4c48-8bfc-4077-8c34-a4ba039bb9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfWarrantOrRightUnissued"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b61d936e-472e-4e81-bc9f-3b0b959ae4d2" xlink:to="loc_us-gaap_ClassOfWarrantOrRightUnissued_f0fc4c48-8bfc-4077-8c34-a4ba039bb9e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CommonStockAndClassOfWarrantOrRightReservedForFutureIssuance_81948382-ce79-4b77-8e5e-64da68e63e7b" xlink:href="upst-20211231.xsd#upst_CommonStockAndClassOfWarrantOrRightReservedForFutureIssuance"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b61d936e-472e-4e81-bc9f-3b0b959ae4d2" xlink:to="loc_upst_CommonStockAndClassOfWarrantOrRightReservedForFutureIssuance_81948382-ce79-4b77-8e5e-64da68e63e7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlansStockOptionActivityDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlansStockOptionActivityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlansStockOptionActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_946a5c83-e3e1-462f-8fe6-b8f3e3442382" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_946a5c83-e3e1-462f-8fe6-b8f3e3442382" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_72fe6d7b-2f54-4468-af1a-295729e6a702" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_72fe6d7b-2f54-4468-af1a-295729e6a702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_4c5f66c8-ae48-4ba0-a0e4-6cf550e3b606" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_4c5f66c8-ae48-4ba0-a0e4-6cf550e3b606" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAssumedInAcquisitionDuringPeriod_72db6295-0ad8-46dc-bff8-820cc6440297" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAssumedInAcquisitionDuringPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAssumedInAcquisitionDuringPeriod_72db6295-0ad8-46dc-bff8-820cc6440297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_f9bb6298-d488-4dee-8c61-880fa9da45ec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_f9bb6298-d488-4dee-8c61-880fa9da45ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod_2e3fad99-ce73-4f65-b7dd-25d95bc50169" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod_2e3fad99-ce73-4f65-b7dd-25d95bc50169" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_854300d7-f8b1-49b5-aaba-0a1ae019d324" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_1489cdb7-bdad-4cc4-a925-d8467c19bdcc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_854300d7-f8b1-49b5-aaba-0a1ae019d324" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_946a5c83-e3e1-462f-8fe6-b8f3e3442382" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_74b0edeb-7d9f-4852-86db-dca93bc60767" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_74b0edeb-7d9f-4852-86db-dca93bc60767" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_4351b2b1-12de-4387-a3d9-f579b44eea5f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_4351b2b1-12de-4387-a3d9-f579b44eea5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsAssumedInAcquisitionWeightedAverageExercisePrice_d61c687e-fa69-4414-bfbb-2afdebc5c217" xlink:href="upst-20211231.xsd#upst_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsAssumedInAcquisitionWeightedAverageExercisePrice"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:to="loc_upst_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsAssumedInAcquisitionWeightedAverageExercisePrice_d61c687e-fa69-4414-bfbb-2afdebc5c217" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_e1c0ff2b-5809-4c06-bc56-564418bf8373" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_e1c0ff2b-5809-4c06-bc56-564418bf8373" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_c655ebd2-1322-4e8c-b145-f0fb56f65642" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_c655ebd2-1322-4e8c-b145-f0fb56f65642" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_da41900c-954e-48bb-97a6-ca1e04c48d94" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_d559d52e-65c7-4094-803d-9e12be114ac5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_da41900c-954e-48bb-97a6-ca1e04c48d94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_946a5c83-e3e1-462f-8fe6-b8f3e3442382" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_d972c6fb-688d-4ba3-890e-fd7f12b5cfe9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_d972c6fb-688d-4ba3-890e-fd7f12b5cfe9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_18f7cca4-737b-4dff-8342-56509a18055c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_18f7cca4-737b-4dff-8342-56509a18055c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_9408b7a0-5d4f-4d9b-bb7c-6d8408af6508" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_9408b7a0-5d4f-4d9b-bb7c-6d8408af6508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_c317d0cb-085e-47ce-9bc3-ad407441609f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_c317d0cb-085e-47ce-9bc3-ad407441609f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_94a33d67-89c2-4d5f-b125-71f83de98943" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_94a33d67-89c2-4d5f-b125-71f83de98943" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_f2eb2c27-8b4c-48f0-af6b-e9318becf394" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_f2eb2c27-8b4c-48f0-af6b-e9318becf394" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_7cfe5796-4521-42b5-8492-d5e3b3daaa33" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_7cfe5796-4521-42b5-8492-d5e3b3daaa33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_4be16e25-28af-45c7-8120-a55189363d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_4be16e25-28af-45c7-8120-a55189363d4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_f9efe2f2-3423-4c5c-b3af-02d6c243d6a8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_f9efe2f2-3423-4c5c-b3af-02d6c243d6a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_84bbee0e-3dfd-4ea1-83ab-bea69768e3d8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_1facf470-7b00-4d44-9feb-81fe3b69c9a5" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_84bbee0e-3dfd-4ea1-83ab-bea69768e3d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlansRSUandRestrictedStockActivityDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlansRSUandRestrictedStockActivityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlansRSUandRestrictedStockActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_31ee097f-7ebd-4e72-815c-34553fc01e85" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7b549652-4863-4f14-bd85-be1532f3207a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_31ee097f-7ebd-4e72-815c-34553fc01e85" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7b549652-4863-4f14-bd85-be1532f3207a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_1a1cb89a-8eeb-413a-9586-83558e7954c3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7b549652-4863-4f14-bd85-be1532f3207a" xlink:to="loc_us-gaap_AwardTypeAxis_1a1cb89a-8eeb-413a-9586-83558e7954c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_2b758caa-57bd-494e-9531-35f69033a2a9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_1a1cb89a-8eeb-413a-9586-83558e7954c3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_2b758caa-57bd-494e-9531-35f69033a2a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_705d92ca-4921-4917-9aa8-14b8b02e3f93" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_2b758caa-57bd-494e-9531-35f69033a2a9" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_705d92ca-4921-4917-9aa8-14b8b02e3f93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_c5d20382-ef31-4c2a-90ff-0b9d98b817cc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_2b758caa-57bd-494e-9531-35f69033a2a9" xlink:to="loc_us-gaap_RestrictedStockMember_c5d20382-ef31-4c2a-90ff-0b9d98b817cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1607e4e7-55fb-4ad8-b8ad-9be56b8b2f5b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7b549652-4863-4f14-bd85-be1532f3207a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1607e4e7-55fb-4ad8-b8ad-9be56b8b2f5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_8b96e3a5-0167-4c9f-9eb5-d6418e028145" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1607e4e7-55fb-4ad8-b8ad-9be56b8b2f5b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_8b96e3a5-0167-4c9f-9eb5-d6418e028145" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_8fab7fb7-0b4f-4b3b-81fa-cce3d3b74ee3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_8b96e3a5-0167-4c9f-9eb5-d6418e028145" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_8fab7fb7-0b4f-4b3b-81fa-cce3d3b74ee3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_55bf62ad-a556-4f5a-902b-24a9001c8ab7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_8b96e3a5-0167-4c9f-9eb5-d6418e028145" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_55bf62ad-a556-4f5a-902b-24a9001c8ab7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_21b02a9d-cd1c-4f44-a772-71ab65d946f7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_8b96e3a5-0167-4c9f-9eb5-d6418e028145" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_21b02a9d-cd1c-4f44-a772-71ab65d946f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_de3f02d4-7b6f-424c-a54f-ff27db23c120" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_8b96e3a5-0167-4c9f-9eb5-d6418e028145" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_de3f02d4-7b6f-424c-a54f-ff27db23c120" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_08e5e8e1-61dd-4ee1-9c23-a8723fcf1a94" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_8b96e3a5-0167-4c9f-9eb5-d6418e028145" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_08e5e8e1-61dd-4ee1-9c23-a8723fcf1a94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_acbd41c4-629c-40f9-b548-ba7601c8eb99" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1607e4e7-55fb-4ad8-b8ad-9be56b8b2f5b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_acbd41c4-629c-40f9-b548-ba7601c8eb99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_943c1376-90bd-4d3d-9ab4-3819b2affa63" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_acbd41c4-629c-40f9-b548-ba7601c8eb99" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_943c1376-90bd-4d3d-9ab4-3819b2affa63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_9b35ee7f-fa83-4c1c-944b-4663dbdf7c00" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_acbd41c4-629c-40f9-b548-ba7601c8eb99" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_9b35ee7f-fa83-4c1c-944b-4663dbdf7c00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_ea516f52-5d95-4ada-a0e8-6e11e2370f11" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_acbd41c4-629c-40f9-b548-ba7601c8eb99" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_ea516f52-5d95-4ada-a0e8-6e11e2370f11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlansWeightedAverageAssumptionsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlansWeightedAverageAssumptionsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlansWeightedAverageAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_ff4b9b55-70de-411c-83db-d29ef2f5d659" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_00e34b4c-62e8-488c-9b94-d35e815d9cc4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_ff4b9b55-70de-411c-83db-d29ef2f5d659" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_00e34b4c-62e8-488c-9b94-d35e815d9cc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_09111191-fe31-4897-86ce-e57f8aa542d2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_00e34b4c-62e8-488c-9b94-d35e815d9cc4" xlink:to="loc_us-gaap_AwardTypeAxis_09111191-fe31-4897-86ce-e57f8aa542d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_898376fd-9f91-42e0-91b3-8ff2a234e825" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_09111191-fe31-4897-86ce-e57f8aa542d2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_898376fd-9f91-42e0-91b3-8ff2a234e825" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_bd5549de-4342-4b75-be30-c226dbcfbc31" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_898376fd-9f91-42e0-91b3-8ff2a234e825" xlink:to="loc_us-gaap_EmployeeStockOptionMember_bd5549de-4342-4b75-be30-c226dbcfbc31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_793c5652-ae58-45c3-abb3-ee886d91d777" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_898376fd-9f91-42e0-91b3-8ff2a234e825" xlink:to="loc_us-gaap_EmployeeStockMember_793c5652-ae58-45c3-abb3-ee886d91d777" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_c781414d-9c8d-44e3-93e2-ed2922a0853f" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_00e34b4c-62e8-488c-9b94-d35e815d9cc4" xlink:to="loc_srt_RangeAxis_c781414d-9c8d-44e3-93e2-ed2922a0853f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_43572ede-d95f-4559-b673-475422777146" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_c781414d-9c8d-44e3-93e2-ed2922a0853f" xlink:to="loc_srt_RangeMember_43572ede-d95f-4559-b673-475422777146" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_d8a42515-adf2-40b0-9cc8-ca7447a9af1e" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_43572ede-d95f-4559-b673-475422777146" xlink:to="loc_srt_MinimumMember_d8a42515-adf2-40b0-9cc8-ca7447a9af1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_e61817b4-be71-4047-a579-c0433fd2b49f" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_43572ede-d95f-4559-b673-475422777146" xlink:to="loc_srt_MaximumMember_e61817b4-be71-4047-a579-c0433fd2b49f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_00e34b4c-62e8-488c-9b94-d35e815d9cc4" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_64963ed9-a595-4adf-a5ab-93beb9f455d5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_64963ed9-a595-4adf-a5ab-93beb9f455d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_45565a1e-26c5-4424-b5a7-ca614429ebe1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_45565a1e-26c5-4424-b5a7-ca614429ebe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_94c35605-22b8-4be0-9737-498ea93c9ffd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_94c35605-22b8-4be0-9737-498ea93c9ffd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum_f246aeea-536c-43a1-9820-345679492979" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum_f246aeea-536c-43a1-9820-345679492979" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum_5961df9c-00b3-4bc4-8758-8b2a174b07e9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum_5961df9c-00b3-4bc4-8758-8b2a174b07e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_05147d2e-68b3-40b6-b2b6-3d37af2ba487" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_de5401b6-1eb2-462d-93e9-8cee0edc286b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_05147d2e-68b3-40b6-b2b6-3d37af2ba487" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/EquityIncentivePlansExpenseDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#EquityIncentivePlansExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/EquityIncentivePlansExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_36d090df-6dcc-4183-b11e-a133183ae635" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_a39a3bc4-150f-47ef-9d85-831e885bf31d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_36d090df-6dcc-4183-b11e-a133183ae635" xlink:to="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_a39a3bc4-150f-47ef-9d85-831e885bf31d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_e518e69f-85e3-4959-a37b-7e40a0885551" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_a39a3bc4-150f-47ef-9d85-831e885bf31d" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_e518e69f-85e3-4959-a37b-7e40a0885551" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_3e4d9f20-a88f-4a98-8d12-791801fc42c3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_e518e69f-85e3-4959-a37b-7e40a0885551" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_3e4d9f20-a88f-4a98-8d12-791801fc42c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpenseMember_c028e554-db9a-428d-8ef3-be1be99bd10c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SellingAndMarketingExpenseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_3e4d9f20-a88f-4a98-8d12-791801fc42c3" xlink:to="loc_us-gaap_SellingAndMarketingExpenseMember_c028e554-db9a-428d-8ef3-be1be99bd10c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerOperationsMember_00a54eeb-c6d2-4412-9a6a-590f19d4a4c2" xlink:href="upst-20211231.xsd#upst_CustomerOperationsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_3e4d9f20-a88f-4a98-8d12-791801fc42c3" xlink:to="loc_upst_CustomerOperationsMember_00a54eeb-c6d2-4412-9a6a-590f19d4a4c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_EngineeringAndProductDevelopmentMember_b4984ca5-706e-4658-a448-62c858fda409" xlink:href="upst-20211231.xsd#upst_EngineeringAndProductDevelopmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_3e4d9f20-a88f-4a98-8d12-791801fc42c3" xlink:to="loc_upst_EngineeringAndProductDevelopmentMember_b4984ca5-706e-4658-a448-62c858fda409" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpenseMember_9ce7433c-8525-4b3d-b353-ab645841d7a7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GeneralAndAdministrativeExpenseMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_3e4d9f20-a88f-4a98-8d12-791801fc42c3" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpenseMember_9ce7433c-8525-4b3d-b353-ab645841d7a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_09c25c5d-fd9f-4bc8-9322-934cfcb820ac" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_a39a3bc4-150f-47ef-9d85-831e885bf31d" xlink:to="loc_us-gaap_AwardTypeAxis_09c25c5d-fd9f-4bc8-9322-934cfcb820ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_307ec99d-b100-487b-9e1c-5d00dc91a834" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_09c25c5d-fd9f-4bc8-9322-934cfcb820ac" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_307ec99d-b100-487b-9e1c-5d00dc91a834" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_b1096153-c22a-416a-943e-4b4e9acbfcbd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_307ec99d-b100-487b-9e1c-5d00dc91a834" xlink:to="loc_us-gaap_EmployeeStockOptionMember_b1096153-c22a-416a-943e-4b4e9acbfcbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_c6409b61-f4f3-46a1-a720-a6849a6f5d41" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_307ec99d-b100-487b-9e1c-5d00dc91a834" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_c6409b61-f4f3-46a1-a720-a6849a6f5d41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_f71167ee-f367-450c-b906-27e758ee990a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_307ec99d-b100-487b-9e1c-5d00dc91a834" xlink:to="loc_us-gaap_EmployeeStockMember_f71167ee-f367-450c-b906-27e758ee990a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_65d7b3c9-2159-4ac9-8523-794a4a5293ec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_307ec99d-b100-487b-9e1c-5d00dc91a834" xlink:to="loc_us-gaap_RestrictedStockMember_65d7b3c9-2159-4ac9-8523-794a4a5293ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_63bbbf6e-a845-42ec-816f-8086185252ac" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_a39a3bc4-150f-47ef-9d85-831e885bf31d" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_63bbbf6e-a845-42ec-816f-8086185252ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_b3bcb316-b167-4f27-ae32-bffb28422d9c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_63bbbf6e-a845-42ec-816f-8086185252ac" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_b3bcb316-b167-4f27-ae32-bffb28422d9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/Leases" xlink:type="simple" xlink:href="upst-20211231.xsd#Leases"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/Leases" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_50a325cf-5e61-4f7a-bca2-52062431db56" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock_a8735cda-40aa-4514-83d8-0143b17ecc66" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_50a325cf-5e61-4f7a-bca2-52062431db56" xlink:to="loc_us-gaap_LesseeOperatingLeasesTextBlock_a8735cda-40aa-4514-83d8-0143b17ecc66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/LeasesTables" xlink:type="simple" xlink:href="upst-20211231.xsd#LeasesTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/LeasesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_3d3ee302-dd9e-47c0-8a3c-343e35ed2345" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_6708a489-da43-43a6-ac9b-0c72bc038802" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_3d3ee302-dd9e-47c0-8a3c-343e35ed2345" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_6708a489-da43-43a6-ac9b-0c72bc038802" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock_674b5eeb-006e-48bc-b5b1-8789f86f095a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_3d3ee302-dd9e-47c0-8a3c-343e35ed2345" xlink:to="loc_us-gaap_LeaseCostTableTextBlock_674b5eeb-006e-48bc-b5b1-8789f86f095a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/LeasesNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#LeasesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/LeasesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_0db4c0a5-541f-41b7-bcf0-65731063eadf" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LettersOfCreditOutstandingAmount_323d185c-d893-45b0-9ce5-bda30b8226fc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LettersOfCreditOutstandingAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_0db4c0a5-541f-41b7-bcf0-65731063eadf" xlink:to="loc_us-gaap_LettersOfCreditOutstandingAmount_323d185c-d893-45b0-9ce5-bda30b8226fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/LeasesLeaseLiabilityMaturityDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#LeasesLeaseLiabilityMaturityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/LeasesLeaseLiabilityMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_41b2ed02-34a5-44b5-aba8-19b16fe422f4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_41b2ed02-34a5-44b5-aba8-19b16fe422f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_d3977a1b-081c-4d95-bddc-923413b15311" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_d3977a1b-081c-4d95-bddc-923413b15311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_32347aa4-e4ab-4b1c-abca-c46de68bd501" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_32347aa4-e4ab-4b1c-abca-c46de68bd501" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_c0adfe52-a9cc-469a-a96b-d51a07e685a9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_c0adfe52-a9cc-469a-a96b-d51a07e685a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_1c53fa1e-fd0f-46d0-9c4c-4c7856b563fd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_1c53fa1e-fd0f-46d0-9c4c-4c7856b563fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_dd04df9b-2204-4e98-8bb4-f2a6c4ede195" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_dd04df9b-2204-4e98-8bb4-f2a6c4ede195" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_46eb32d1-4a57-4d79-ae64-75323d0f53a7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_46eb32d1-4a57-4d79-ae64-75323d0f53a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LesseeOperatingLeaseLiabilityTenantImprovementReceivable_c024fd50-e1a6-45c4-be39-2b9aa7263a55" xlink:href="upst-20211231.xsd#upst_LesseeOperatingLeaseLiabilityTenantImprovementReceivable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_upst_LesseeOperatingLeaseLiabilityTenantImprovementReceivable_c024fd50-e1a6-45c4-be39-2b9aa7263a55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_7fd13fba-5b2a-4488-a506-2b39d63de863" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_7fd13fba-5b2a-4488-a506-2b39d63de863" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_9137be83-ae34-4a8d-aab0-dd26c18c8c37" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_59222ac0-8fee-4078-ae07-9b5683374861" xlink:to="loc_us-gaap_OperatingLeaseLiability_9137be83-ae34-4a8d-aab0-dd26c18c8c37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/LeasesLeaseLiabilityMaturityDetails_1" xlink:type="simple" xlink:href="upst-20211231.xsd#LeasesLeaseLiabilityMaturityDetails_1"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/LeasesLeaseLiabilityMaturityDetails_1" xlink:type="extended"/>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/LeasesLeaseExpenseDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#LeasesLeaseExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/LeasesLeaseExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_8385e10f-117e-4556-a949-1bc6f3549d89" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_41d28ba6-e847-435c-98b9-2dd9b043d66a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_8385e10f-117e-4556-a949-1bc6f3549d89" xlink:to="loc_us-gaap_OperatingLeaseCost_41d28ba6-e847-435c-98b9-2dd9b043d66a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseCost_753dda85-e9bb-4d64-896a-07a5b320ac38" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableLeaseCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_8385e10f-117e-4556-a949-1bc6f3549d89" xlink:to="loc_us-gaap_VariableLeaseCost_753dda85-e9bb-4d64-896a-07a5b320ac38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasePayments_0375136c-4b2b-402e-a0fb-5c8f81ec7ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasePayments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_8385e10f-117e-4556-a949-1bc6f3549d89" xlink:to="loc_us-gaap_OperatingLeasePayments_0375136c-4b2b-402e-a0fb-5c8f81ec7ac5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_11532d17-d0ef-45c7-a73c-04c443db6b08" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_8385e10f-117e-4556-a949-1bc6f3549d89" xlink:to="loc_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_11532d17-d0ef-45c7-a73c-04c443db6b08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_61e2daf2-2dfd-45b7-b50b-14fef35a3bd4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_8385e10f-117e-4556-a949-1bc6f3549d89" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_61e2daf2-2dfd-45b7-b50b-14fef35a3bd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_19a806cf-c65f-4e80-8e4a-9578f8b7f480" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_8385e10f-117e-4556-a949-1bc6f3549d89" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_19a806cf-c65f-4e80-8e4a-9578f8b7f480" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CommitmentandContingencies" xlink:type="simple" xlink:href="upst-20211231.xsd#CommitmentandContingencies"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CommitmentandContingencies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_d4041131-1e1f-4ace-81e5-87a11448b9ae" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_15373555-1938-4933-a8d8-0a1030b041e7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_d4041131-1e1f-4ace-81e5-87a11448b9ae" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_15373555-1938-4933-a8d8-0a1030b041e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CommitmentandContingenciesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#CommitmentandContingenciesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CommitmentandContingenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_8bc64dd9-9998-45f8-b8b6-784e85ceea89" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesTable_dfeb171e-02c5-481a-98fe-664ca5731ba5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LossContingenciesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_8bc64dd9-9998-45f8-b8b6-784e85ceea89" xlink:to="loc_us-gaap_LossContingenciesTable_dfeb171e-02c5-481a-98fe-664ca5731ba5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_0206c301-f383-4f11-bb68-61a8b4c93cd7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_dfeb171e-02c5-481a-98fe-664ca5731ba5" xlink:to="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_0206c301-f383-4f11-bb68-61a8b4c93cd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyNatureDomain_4b91abe1-0058-422e-97b7-38d0c5e5fc79" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LossContingencyNatureDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_0206c301-f383-4f11-bb68-61a8b4c93cd7" xlink:to="loc_us-gaap_LossContingencyNatureDomain_4b91abe1-0058-422e-97b7-38d0c5e5fc79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ObligationToRepurchaseReceivablesSoldMember_41ed4421-49c0-4cb5-9331-2a4b974ff2a5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ObligationToRepurchaseReceivablesSoldMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_4b91abe1-0058-422e-97b7-38d0c5e5fc79" xlink:to="loc_us-gaap_ObligationToRepurchaseReceivablesSoldMember_41ed4421-49c0-4cb5-9331-2a4b974ff2a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesLineItems_13cd0a1a-e955-4baf-8658-badf411f1060" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LossContingenciesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_dfeb171e-02c5-481a-98fe-664ca5731ba5" xlink:to="loc_us-gaap_LossContingenciesLineItems_13cd0a1a-e955-4baf-8658-badf411f1060" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PurchaseObligation_febb6f40-8109-413e-af3e-ffa6bd04dd99" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PurchaseObligation"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_13cd0a1a-e955-4baf-8658-badf411f1060" xlink:to="loc_us-gaap_PurchaseObligation_febb6f40-8109-413e-af3e-ffa6bd04dd99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyEstimateOfPossibleLoss_3581ce5e-407c-4226-a8e2-aa72dca946fa" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LossContingencyEstimateOfPossibleLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_13cd0a1a-e955-4baf-8658-badf411f1060" xlink:to="loc_us-gaap_LossContingencyEstimateOfPossibleLoss_3581ce5e-407c-4226-a8e2-aa72dca946fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxes" xlink:type="simple" xlink:href="upst-20211231.xsd#IncomeTaxes"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_da6af4fc-4d00-4ebe-997f-b5fbaf41ec0e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_6f8c6b13-a5bc-4094-aeb6-80ecbc81fb03" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_da6af4fc-4d00-4ebe-997f-b5fbaf41ec0e" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_6f8c6b13-a5bc-4094-aeb6-80ecbc81fb03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxesTables" xlink:type="simple" xlink:href="upst-20211231.xsd#IncomeTaxesTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_37eac586-7eb7-4e5d-ab2a-2a41e2acc924" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_715aab93-38cf-42f4-9bf5-de8aca9878a9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_37eac586-7eb7-4e5d-ab2a-2a41e2acc924" xlink:to="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_715aab93-38cf-42f4-9bf5-de8aca9878a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_0b333807-a545-431c-945c-7042ed54a677" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_37eac586-7eb7-4e5d-ab2a-2a41e2acc924" xlink:to="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_0b333807-a545-431c-945c-7042ed54a677" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_9481e7a5-af0c-4f40-a9c7-1f9c1902422a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_37eac586-7eb7-4e5d-ab2a-2a41e2acc924" xlink:to="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_9481e7a5-af0c-4f40-a9c7-1f9c1902422a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_c2642d2b-d5c6-456a-91a4-35582aae1f9f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_37eac586-7eb7-4e5d-ab2a-2a41e2acc924" xlink:to="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_c2642d2b-d5c6-456a-91a4-35582aae1f9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxesNarrativeDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#IncomeTaxesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_5f1a7663-2442-4f5c-9414-db0486a2655c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLossCarryforwardsTable_7693f2f6-889f-4690-adba-cad9a0aec253" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLossCarryforwardsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5f1a7663-2442-4f5c-9414-db0486a2655c" xlink:to="loc_us-gaap_OperatingLossCarryforwardsTable_7693f2f6-889f-4690-adba-cad9a0aec253" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxAuthorityAxis_f98ca517-b7a9-4962-884b-8ca5e79b9c7b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsTable_7693f2f6-889f-4690-adba-cad9a0aec253" xlink:to="loc_us-gaap_IncomeTaxAuthorityAxis_f98ca517-b7a9-4962-884b-8ca5e79b9c7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxAuthorityDomain_4b1ef4b4-8f0e-4f9e-b073-c610e5529178" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxAuthorityAxis_f98ca517-b7a9-4962-884b-8ca5e79b9c7b" xlink:to="loc_us-gaap_IncomeTaxAuthorityDomain_4b1ef4b4-8f0e-4f9e-b073-c610e5529178" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DomesticCountryMember_4d726f2b-ead9-4b1f-ae0c-935278b65cc4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DomesticCountryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxAuthorityDomain_4b1ef4b4-8f0e-4f9e-b073-c610e5529178" xlink:to="loc_us-gaap_DomesticCountryMember_4d726f2b-ead9-4b1f-ae0c-935278b65cc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StateAndLocalJurisdictionMember_6ccefb92-b38b-4502-87a0-21532ace0d4e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StateAndLocalJurisdictionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxAuthorityDomain_4b1ef4b4-8f0e-4f9e-b073-c610e5529178" xlink:to="loc_us-gaap_StateAndLocalJurisdictionMember_6ccefb92-b38b-4502-87a0-21532ace0d4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxCreditCarryforwardAxis_f1ac1c02-998c-414e-a7b6-83ae2f2f2681" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsTable_7693f2f6-889f-4690-adba-cad9a0aec253" xlink:to="loc_us-gaap_TaxCreditCarryforwardAxis_f1ac1c02-998c-414e-a7b6-83ae2f2f2681" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxCreditCarryforwardNameDomain_a9650d44-a6a8-4412-b05d-e601fb38f560" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TaxCreditCarryforwardAxis_f1ac1c02-998c-414e-a7b6-83ae2f2f2681" xlink:to="loc_us-gaap_TaxCreditCarryforwardNameDomain_a9650d44-a6a8-4412-b05d-e601fb38f560" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchMember_9ff1975f-ccbd-40d7-99af-6d6fb3e7614c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ResearchMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TaxCreditCarryforwardNameDomain_a9650d44-a6a8-4412-b05d-e601fb38f560" xlink:to="loc_us-gaap_ResearchMember_9ff1975f-ccbd-40d7-99af-6d6fb3e7614c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLossCarryforwardsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsTable_7693f2f6-889f-4690-adba-cad9a0aec253" xlink:to="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic_8801bc6f-2189-4f7c-bed1-f1c70f6a3a15" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic_8801bc6f-2189-4f7c-bed1-f1c70f6a3a15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ValuationAllowanceDeferredTaxAssetValuationReleased_671b71c1-350d-4ac8-8cae-7a2c067f7789" xlink:href="upst-20211231.xsd#upst_ValuationAllowanceDeferredTaxAssetValuationReleased"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_upst_ValuationAllowanceDeferredTaxAssetValuationReleased_671b71c1-350d-4ac8-8cae-7a2c067f7789" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RecognitionOfDeferredTaxAssets_eed72ce7-f6cc-44f4-ae04-d034a5135262" xlink:href="upst-20211231.xsd#upst_RecognitionOfDeferredTaxAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_upst_RecognitionOfDeferredTaxAssets_eed72ce7-f6cc-44f4-ae04-d034a5135262" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_cb721bc1-063a-4703-81a6-3d01d285f4b1" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_cb721bc1-063a-4703-81a6-3d01d285f4b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLossCarryforwards_4884f448-79c8-4823-9211-5670e96fd976" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLossCarryforwards"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_us-gaap_OperatingLossCarryforwards_4884f448-79c8-4823-9211-5670e96fd976" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxCreditCarryforwardAmount_7a448132-8e28-4f38-833a-be84d5985f84" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_us-gaap_TaxCreditCarryforwardAmount_7a448132-8e28-4f38-833a-be84d5985f84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_e17c79a6-6e95-4b90-8023-8e517c9e795e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_e17c79a6-6e95-4b90-8023-8e517c9e795e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsPeriodIncreaseDecrease_6c143b2a-fd0e-425a-b10e-e60e661b6271" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsPeriodIncreaseDecrease"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLossCarryforwardsLineItems_a3fdd017-330c-4fd1-a1fc-8713a3cff1bd" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsPeriodIncreaseDecrease_6c143b2a-fd0e-425a-b10e-e60e661b6271" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxesIncomeTaxExpenseBenefitDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#IncomeTaxesIncomeTaxExpenseBenefitDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxesIncomeTaxExpenseBenefitDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_ea77486f-c2a2-4723-a73f-f989d0346a36" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_c60c468c-40c4-4bf7-bc11-5173c8c1d6cb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_ea77486f-c2a2-4723-a73f-f989d0346a36" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_c60c468c-40c4-4bf7-bc11-5173c8c1d6cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_2acef55b-0b05-444b-9fe8-ecccbb8601cb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_c60c468c-40c4-4bf7-bc11-5173c8c1d6cb" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_2acef55b-0b05-444b-9fe8-ecccbb8601cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_cf610cc0-cf83-47f1-a7cf-18d92d187f42" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_c60c468c-40c4-4bf7-bc11-5173c8c1d6cb" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_cf610cc0-cf83-47f1-a7cf-18d92d187f42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_72a2008f-2b29-4352-ab22-457b851ccd46" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_c60c468c-40c4-4bf7-bc11-5173c8c1d6cb" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_72a2008f-2b29-4352-ab22-457b851ccd46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_6553fd65-6fbb-4ef9-9e8a-5094ba7c4fd6" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_ea77486f-c2a2-4723-a73f-f989d0346a36" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_6553fd65-6fbb-4ef9-9e8a-5094ba7c4fd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_5efacd1f-42ac-4c6a-ab91-09898da9ecb2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_6553fd65-6fbb-4ef9-9e8a-5094ba7c4fd6" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_5efacd1f-42ac-4c6a-ab91-09898da9ecb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_42c492b4-4076-43c3-8cff-521687e13c57" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_6553fd65-6fbb-4ef9-9e8a-5094ba7c4fd6" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_42c492b4-4076-43c3-8cff-521687e13c57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_b731357d-6d88-43a3-b9dd-78730ae70623" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_6553fd65-6fbb-4ef9-9e8a-5094ba7c4fd6" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_b731357d-6d88-43a3-b9dd-78730ae70623" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_a0217548-392a-4f67-ba65-63a987275d1b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_ea77486f-c2a2-4723-a73f-f989d0346a36" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_a0217548-392a-4f67-ba65-63a987275d1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxesTaxRateReconciliationDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#IncomeTaxesTaxRateReconciliationDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxesTaxRateReconciliationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_2f7ac67f-0d19-4d4d-84bd-33d0ff0c3888" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_2f7ac67f-0d19-4d4d-84bd-33d0ff0c3888" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_a29a1144-d05d-44b8-9515-f73a3078dd8d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_a29a1144-d05d-44b8-9515-f73a3078dd8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_EffectiveIncomeTaxRateReconciliationFairValueAdjustmentOfWarrantsAmounts_0d62891f-4b83-4a4f-88a3-fcc55a88bccf" xlink:href="upst-20211231.xsd#upst_EffectiveIncomeTaxRateReconciliationFairValueAdjustmentOfWarrantsAmounts"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_upst_EffectiveIncomeTaxRateReconciliationFairValueAdjustmentOfWarrantsAmounts_0d62891f-4b83-4a4f-88a3-fcc55a88bccf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_25d509ac-983f-4bee-932c-d7b307d18240" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_25d509ac-983f-4bee-932c-d7b307d18240" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCreditsResearch_381e67bc-ef06-4752-83b7-b4931f7fe63d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxCreditsResearch"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxCreditsResearch_381e67bc-ef06-4752-83b7-b4931f7fe63d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_EffectiveIncomeTaxRateReconciliationCARESACTPPPLoanForgivenessAmount_1f119f73-843e-420c-baff-94c1a73c290e" xlink:href="upst-20211231.xsd#upst_EffectiveIncomeTaxRateReconciliationCARESACTPPPLoanForgivenessAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_upst_EffectiveIncomeTaxRateReconciliationCARESACTPPPLoanForgivenessAmount_1f119f73-843e-420c-baff-94c1a73c290e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_7f8c61ba-f814-44ab-beb4-b465c6fa8e26" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_7f8c61ba-f814-44ab-beb4-b465c6fa8e26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_EffectiveIncomeTaxRateReconciliationTaxReturnToTaxProvisionAdjustmentAmount_1cfe8b18-97da-4eb6-8c27-4f3eff31b567" xlink:href="upst-20211231.xsd#upst_EffectiveIncomeTaxRateReconciliationTaxReturnToTaxProvisionAdjustmentAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_upst_EffectiveIncomeTaxRateReconciliationTaxReturnToTaxProvisionAdjustmentAmount_1cfe8b18-97da-4eb6-8c27-4f3eff31b567" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationAmount_1d613e28-70a8-4d02-9ca9-97e11b4deb3e" xlink:href="upst-20211231.xsd#upst_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_upst_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationAmount_1d613e28-70a8-4d02-9ca9-97e11b4deb3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationMinorityInterestIncomeExpense_9be53d6e-301f-4ef0-853e-b597f1a67511" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxReconciliationMinorityInterestIncomeExpense"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxReconciliationMinorityInterestIncomeExpense_9be53d6e-301f-4ef0-853e-b597f1a67511" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_6cadce0e-32e1-40f8-be31-cf385dfbbb66" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_6cadce0e-32e1-40f8-be31-cf385dfbbb66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_f2cfbb94-0026-4375-be65-cee1a0de7482" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_58265197-7ee4-4619-ab38-b2838e0381fc" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_f2cfbb94-0026-4375-be65-cee1a0de7482" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxesDeferredTaxAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#IncomeTaxesDeferredTaxAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxesDeferredTaxAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_d96b23d6-d6aa-4ebe-a817-b8d6154623f4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsNetAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_d96b23d6-d6aa-4ebe-a817-b8d6154623f4" xlink:to="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_8a9d0fe7-282a-4f6d-8eef-d5ae50115e11" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_8a9d0fe7-282a-4f6d-8eef-d5ae50115e11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DeferredTaxAssetOperatingLeaseLiabilities_4b974802-cf8e-4166-856b-2c471799e4eb" xlink:href="upst-20211231.xsd#upst_DeferredTaxAssetOperatingLeaseLiabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_upst_DeferredTaxAssetOperatingLeaseLiabilities_4b974802-cf8e-4166-856b-2c471799e4eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsResearch_cbdfc31f-4d01-420b-9fe6-ec788ddaab2f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsResearch"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsResearch_cbdfc31f-4d01-420b-9fe6-ec788ddaab2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DeferredTaxAssetConvertibleDebtTransactions_7c1cb97f-3c45-4a54-bea0-85622b03855f" xlink:href="upst-20211231.xsd#upst_DeferredTaxAssetConvertibleDebtTransactions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_upst_DeferredTaxAssetConvertibleDebtTransactions_7c1cb97f-3c45-4a54-bea0-85622b03855f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_0e70ffff-d750-4045-9ae2-e2f0c07ab967" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_0e70ffff-d750-4045-9ae2-e2f0c07ab967" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DeferredTaxAssetsInvestmentInPartnerships_1d105383-ecf8-4b8b-9be6-b7d61a2e7258" xlink:href="upst-20211231.xsd#upst_DeferredTaxAssetsInvestmentInPartnerships"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_upst_DeferredTaxAssetsInvestmentInPartnerships_1d105383-ecf8-4b8b-9be6-b7d61a2e7258" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals_8e16975c-3f01-430a-8197-b698d1cbaa01" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals_8e16975c-3f01-430a-8197-b698d1cbaa01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DeferredTaxAssetsServicingAssets_c047385f-867f-405b-acc8-e3cbfb7a9d84" xlink:href="upst-20211231.xsd#upst_DeferredTaxAssetsServicingAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_upst_DeferredTaxAssetsServicingAssets_c047385f-867f-405b-acc8-e3cbfb7a9d84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_7c4f8802-f2bc-4229-8935-9ac63b472911" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_7c4f8802-f2bc-4229-8935-9ac63b472911" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOther_863f547d-a2c5-40bc-8d96-5946eb8dc6a8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsOther"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsOther_863f547d-a2c5-40bc-8d96-5946eb8dc6a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_17b19fc1-c32c-4531-85be-4d63599f55f2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsGross_17b19fc1-c32c-4531-85be-4d63599f55f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsValuationAllowance_80899038-64e1-4694-a642-88987a3fe48f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsValuationAllowance"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsValuationAllowance_80899038-64e1-4694-a642-88987a3fe48f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNet_ff4338af-f490-4e52-b7d2-305475ca32be" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsNet"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_8c881f35-b82e-45f5-9eb2-9ad70056f32c" xlink:to="loc_us-gaap_DeferredTaxAssetsNet_ff4338af-f490-4e52-b7d2-305475ca32be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesNetAbstract_42347293-dbad-488e-a917-5029a3e8ed35" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNetAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_d96b23d6-d6aa-4ebe-a817-b8d6154623f4" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesNetAbstract_42347293-dbad-488e-a917-5029a3e8ed35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_d10b592d-7f7d-4887-9c30-ea689522ce9d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesLeasingArrangements"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesNetAbstract_42347293-dbad-488e-a917-5029a3e8ed35" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_d10b592d-7f7d-4887-9c30-ea689522ce9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_624777df-598c-4de4-9262-c8ac094a76e4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesNetAbstract_42347293-dbad-488e-a917-5029a3e8ed35" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_624777df-598c-4de4-9262-c8ac094a76e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_c98dfb29-fcfc-468a-914a-6f6814098824" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesNetAbstract_42347293-dbad-488e-a917-5029a3e8ed35" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_c98dfb29-fcfc-468a-914a-6f6814098824" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_0bf42bb5-a518-46ac-9820-548d9c521da8" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesNetAbstract_42347293-dbad-488e-a917-5029a3e8ed35" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_0bf42bb5-a518-46ac-9820-548d9c521da8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_89c990bc-2bb1-4326-a8f6-929985a23dc7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesNetAbstract_42347293-dbad-488e-a917-5029a3e8ed35" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_89c990bc-2bb1-4326-a8f6-929985a23dc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilities_c6a49ebb-3fa4-4f47-ac01-b29d797f740a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_d96b23d6-d6aa-4ebe-a817-b8d6154623f4" xlink:to="loc_us-gaap_DeferredTaxLiabilities_c6a49ebb-3fa4-4f47-ac01-b29d797f740a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxesIncomeTaxAssetandLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#IncomeTaxesIncomeTaxAssetandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxesIncomeTaxAssetandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_67f4d44b-dc75-4ed1-a1c9-0c56146b2966" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_61073819-6d43-46c4-af25-ef8d8286652d" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_67f4d44b-dc75-4ed1-a1c9-0c56146b2966" xlink:to="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_61073819-6d43-46c4-af25-ef8d8286652d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_24fe4b61-9d73-4682-b226-e361f066f5ce" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_61073819-6d43-46c4-af25-ef8d8286652d" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_24fe4b61-9d73-4682-b226-e361f066f5ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_459cbf8a-4639-49e4-8a79-91fd663dcc7e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_61073819-6d43-46c4-af25-ef8d8286652d" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_459cbf8a-4639-49e4-8a79-91fd663dcc7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_234f8c01-fdca-43a7-be64-fc5e50872db0" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_61073819-6d43-46c4-af25-ef8d8286652d" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_234f8c01-fdca-43a7-be64-fc5e50872db0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_ab4a7f62-12ac-4564-a622-647419053f8e" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_61073819-6d43-46c4-af25-ef8d8286652d" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_ab4a7f62-12ac-4564-a622-647419053f8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RelatedPartyTransactions" xlink:type="simple" xlink:href="upst-20211231.xsd#RelatedPartyTransactions"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RelatedPartyTransactions" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract_312c5743-6e7f-4beb-86d0-3342c37f383b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_7ee24a87-20c7-4900-9df4-264cf3ada42a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract_312c5743-6e7f-4beb-86d0-3342c37f383b" xlink:to="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_7ee24a87-20c7-4900-9df4-264cf3ada42a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholders" xlink:type="simple" xlink:href="upst-20211231.xsd#NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholders"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholders" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_5dd2c264-7d43-410c-b08e-f740c681ea79" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_3d34dba1-5b07-435f-a0ea-fd68829b0f9b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_5dd2c264-7d43-410c-b08e-f740c681ea79" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_3d34dba1-5b07-435f-a0ea-fd68829b0f9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersTables" xlink:type="simple" xlink:href="upst-20211231.xsd#NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_d36af8d6-4227-41d4-9ea5-429b8c353636" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_7bac5b29-0ba2-4b44-8d0f-c4f59932ad73" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_d36af8d6-4227-41d4-9ea5-429b8c353636" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_7bac5b29-0ba2-4b44-8d0f-c4f59932ad73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock_3fbd897a-aa27-469b-8a9d-d3a9d5919a2f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_d36af8d6-4227-41d4-9ea5-429b8c353636" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock_3fbd897a-aa27-469b-8a9d-d3a9d5919a2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersCalculationDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersCalculationDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersCalculationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_2918bbc0-4795-4e05-9e31-a661c8870fc4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_41f0a1a7-2e6e-4d7d-b3bc-a03d67dd24f9" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_2918bbc0-4795-4e05-9e31-a661c8870fc4" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_41f0a1a7-2e6e-4d7d-b3bc-a03d67dd24f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_590a36ba-21fa-4b57-9a25-13295eac2f37" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_41f0a1a7-2e6e-4d7d-b3bc-a03d67dd24f9" xlink:to="loc_us-gaap_NetIncomeLoss_590a36ba-21fa-4b57-9a25-13295eac2f37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_9aa698fa-6668-443a-a2d2-c90a9c807b21" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_41f0a1a7-2e6e-4d7d-b3bc-a03d67dd24f9" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_9aa698fa-6668-443a-a2d2-c90a9c807b21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_a67acd88-7467-462e-850a-cf69a43cb7d3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_41f0a1a7-2e6e-4d7d-b3bc-a03d67dd24f9" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_a67acd88-7467-462e-850a-cf69a43cb7d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_859fa0f1-9830-4323-85c5-62e8af2c7da2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_41f0a1a7-2e6e-4d7d-b3bc-a03d67dd24f9" xlink:to="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_859fa0f1-9830-4323-85c5-62e8af2c7da2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_193610c6-808b-4eaa-bc31-00ee3e9e8e9f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_41f0a1a7-2e6e-4d7d-b3bc-a03d67dd24f9" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_193610c6-808b-4eaa-bc31-00ee3e9e8e9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_97dee02c-baeb-4412-8926-30dd3eff20f5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_2918bbc0-4795-4e05-9e31-a661c8870fc4" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_97dee02c-baeb-4412-8926-30dd3eff20f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_685a6d2a-93ac-4958-8663-b5323e15755f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_97dee02c-baeb-4412-8926-30dd3eff20f5" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_685a6d2a-93ac-4958-8663-b5323e15755f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_14901a55-3ce7-46fe-8795-5fedc1a9b0b3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_97dee02c-baeb-4412-8926-30dd3eff20f5" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_14901a55-3ce7-46fe-8795-5fedc1a9b0b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_bf4c4530-af78-402d-862a-1e8284579200" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_97dee02c-baeb-4412-8926-30dd3eff20f5" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_bf4c4530-af78-402d-862a-1e8284579200" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_eea05f21-72b9-487a-9045-b8ede36931a4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_2918bbc0-4795-4e05-9e31-a661c8870fc4" xlink:to="loc_us-gaap_EarningsPerShareBasic_eea05f21-72b9-487a-9045-b8ede36931a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_775da045-96d0-4cc5-ae9d-8d9f670008d3" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_2918bbc0-4795-4e05-9e31-a661c8870fc4" xlink:to="loc_us-gaap_EarningsPerShareDiluted_775da045-96d0-4cc5-ae9d-8d9f670008d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersAntidilutiveSecuritiesDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersAntidilutiveSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetIncomeLossPerShareAttributabletoUpstartHoldingsIncCommonStockholdersAntidilutiveSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_fe6611e6-acd1-4bc6-a21e-777192bf5ec5" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_bf17178e-44c9-4687-8807-f0def31fcf38" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_fe6611e6-acd1-4bc6-a21e-777192bf5ec5" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_bf17178e-44c9-4687-8807-f0def31fcf38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_24f6d343-6129-4dcb-901e-5ca1ba24af23" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_bf17178e-44c9-4687-8807-f0def31fcf38" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_24f6d343-6129-4dcb-901e-5ca1ba24af23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_24f6d343-6129-4dcb-901e-5ca1ba24af23" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockMember_e98acd8e-26db-450b-8818-15d84a03ed3f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertiblePreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:to="loc_us-gaap_ConvertiblePreferredStockMember_e98acd8e-26db-450b-8818-15d84a03ed3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_ffdbb825-d918-47f0-99e6-abd147e07c1c" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:to="loc_us-gaap_EmployeeStockOptionMember_ffdbb825-d918-47f0-99e6-abd147e07c1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_22e293eb-2220-445d-9f8d-15f11d251e3f" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_22e293eb-2220-445d-9f8d-15f11d251e3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_e2658358-1a8e-4984-a4d8-b74f2391bc29" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:to="loc_us-gaap_EmployeeStockMember_e2658358-1a8e-4984-a4d8-b74f2391bc29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WarrantsToPurchaseConvertiblePreferredStockMember_11c4cd22-edda-45c1-9f5b-9ebdfbcffb0c" xlink:href="upst-20211231.xsd#upst_WarrantsToPurchaseConvertiblePreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:to="loc_upst_WarrantsToPurchaseConvertiblePreferredStockMember_11c4cd22-edda-45c1-9f5b-9ebdfbcffb0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtSecuritiesMember_ee2b26c1-3c41-4cf6-8b7a-c7ea30bbc895" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConvertibleDebtSecuritiesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:to="loc_us-gaap_ConvertibleDebtSecuritiesMember_ee2b26c1-3c41-4cf6-8b7a-c7ea30bbc895" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WarrantsToPurchaseCommonStockMember_b13cc702-dab1-46f3-b2fd-7ed0599b5ae6" xlink:href="upst-20211231.xsd#upst_WarrantsToPurchaseCommonStockMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_78ae218d-5f51-4a9a-bbf3-99f2c4ad8855" xlink:to="loc_upst_WarrantsToPurchaseCommonStockMember_b13cc702-dab1-46f3-b2fd-7ed0599b5ae6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_b95126ba-da8c-4def-b14b-40ba3f92cf00" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_bf17178e-44c9-4687-8807-f0def31fcf38" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_b95126ba-da8c-4def-b14b-40ba3f92cf00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_9cc43810-14ca-4161-a5dd-502b7ac6491a" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_b95126ba-da8c-4def-b14b-40ba3f92cf00" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_9cc43810-14ca-4161-a5dd-502b7ac6491a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/SubsequentEvents" xlink:type="simple" xlink:href="upst-20211231.xsd#SubsequentEvents"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/SubsequentEvents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_268d2105-4a9d-43e2-ae5a-88bc8aa3ebad" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock_148b7d1b-e354-4bc0-986d-b6374e0273d7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_268d2105-4a9d-43e2-ae5a-88bc8aa3ebad" xlink:to="loc_us-gaap_SubsequentEventsTextBlock_148b7d1b-e354-4bc0-986d-b6374e0273d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/SubsequentEventsDetails" xlink:type="simple" xlink:href="upst-20211231.xsd#SubsequentEventsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/SubsequentEventsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_7e1cb683-52c4-4cd5-891d-b3132a121fe4" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable_93561ab7-1131-4c34-8d68-239cd0d2ebc7" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_7e1cb683-52c4-4cd5-891d-b3132a121fe4" xlink:to="loc_us-gaap_SubsequentEventTable_93561ab7-1131-4c34-8d68-239cd0d2ebc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_cc13b8ea-6bdd-4039-b462-468a868f2cec" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_93561ab7-1131-4c34-8d68-239cd0d2ebc7" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_cc13b8ea-6bdd-4039-b462-468a868f2cec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_4d41a4ad-27e4-4b82-a9ef-6dba90d8188b" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_cc13b8ea-6bdd-4039-b462-468a868f2cec" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_4d41a4ad-27e4-4b82-a9ef-6dba90d8188b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_7874bdf2-43b0-4f2a-8d4e-efaa581da5eb" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_4d41a4ad-27e4-4b82-a9ef-6dba90d8188b" xlink:to="loc_us-gaap_SubsequentEventMember_7874bdf2-43b0-4f2a-8d4e-efaa581da5eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems_5dc6b7c4-2663-4c86-a062-159d8aa69afe" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_93561ab7-1131-4c34-8d68-239cd0d2ebc7" xlink:to="loc_us-gaap_SubsequentEventLineItems_5dc6b7c4-2663-4c86-a062-159d8aa69afe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_0ee53de3-0dfb-4958-b1ef-facbc0b2e944" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_5dc6b7c4-2663-4c86-a062-159d8aa69afe" xlink:to="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_0ee53de3-0dfb-4958-b1ef-facbc0b2e944" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
