2024
Long-term and Short-term Debt, Maturity, Year Two
Long-term and Short-term Debt, Maturity, Year Two
Sale of loans
Servicing Liability at Fair Value, Additions
Authorized share repurchase amount
Stock Repurchase Program, Authorized Amount
Supplemental disclosures of cash flow information
Supplemental Cash Flow Information [Abstract]
Customer [Domain]
Customer [Domain]
Convertible Debt
Convertible Debt [Member]
RSUs vested (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period
Leasehold improvements
Leasehold Improvements [Member]
Fair Value Hierarchy and NAV [Domain]
Fair Value Hierarchy and NAV [Domain]
Net income
Net income
Net Income (Loss) Attributable to Parent
Consolidated Entities [Axis]
Consolidated Entities [Axis]
Operating lease right of use assets
Operating Lease, Right-of-Use Asset
Payable to investors
Increase (Decrease) In Payable To Investors
Increase (Decrease) In Payable To Investors
Income Statement Location [Axis]
Income Statement Location [Axis]
Deposits
Deposits Assets
Accumulated Amortization
Finite-Lived Intangible Assets, Accumulated Amortization
Statistical Measurement [Domain]
Statistical Measurement [Domain]
Receivable Type [Axis]
Receivable Type [Axis]
Schedule of Maturities of All Borrowings
Schedule of Maturities of Long-term Debt [Table Text Block]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Security Exchange Name
Security Exchange Name
Entity Incorporation, State or Country Code
Entity Incorporation, State or Country Code
Initial conversion price (in dollars per share)
Debt Instrument, Convertible, Conversion Price
Cancelled and forfeited (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value
Loan premium and loan trailing fees recognized
Loan Premium Fees and Loan Trailing Fees
Loan Premium Fees and Loan Trailing Fees
Revenue from Contract with Customer [Abstract]
10% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 10 Percent Adverse Change in Expected Credit Loss Rates
Weighted-average remaining lease term (in years)
Operating Lease, Weighted Average Remaining Lease Term
Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]
Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]
Dividend yield
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate
Net increase (decrease) in cash and restricted cash
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect
Changes in fair value recorded in earnings
Servicing Liability At Fair Value, Gain (Loss) Included In Earnings
Servicing Liability At Fair Value, Gain (Loss) Included In Earnings
Entity File Number
Entity File Number
Redemption price (in percent)
Debt Instrument, Redemption Price, Percentage
Expected volatility
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate
Aggregate intrinsic value of options exercised
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value
Changes in fair value recorded in earnings
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Earnings
Options cancelled and forfeited (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Valuation Approach and Technique [Domain]
Valuation Approach and Technique [Domain]
UAWT Warehouse Credit Facility
UAWT Warehouse Credit Facility [Member]
UAWT Warehouse Credit Facility
Variable lease payments
Variable Lease, Cost
200 basis point increase
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates
Total (in shares)
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount
Weighted-average discount rate
Operating Lease, Weighted Average Discount Rate, Percent
Liability Class [Axis]
Liability Class [Axis]
Subsequent Events [Abstract]
Granted (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value
Business Acquisition [Axis]
Business Acquisition [Axis]
Rollforward of Level 3 Liabilities
Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]
Changes in fair value recorded in earnings
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings
Award Type [Domain]
Award Type [Domain]
Loans > 90 Days Past Due
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
2023
Long-term and Short-term Debt, Maturity, Year One
Long-term and Short-term Debt, Maturity, Year One
Other changes
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Other Increase (Decrease)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Other Increase (Decrease)
Local Phone Number
Local Phone Number
Credit Facility [Domain]
Credit Facility [Domain]
Assets
Assets [Abstract]
Weighted-Average Remaining Contractual Life (years)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Convertible senior notes
2026 ("Notes")
Twenty Twenty Six Notes [Member]
Twenty Twenty Six Notes
Loan Held For Sale
Loan Held For Sale [Member]
Loan Held For Sale
Options exercisable, Number of options (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number
Options vested and expected to vest, Weighted Average Exercise Price Per Share (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price
Immediate resale
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Immediate Resale to Investors
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Immediate Resale to Investors
Risk retention funding loan
Risk Retention Funding Loans [Member]
Risk Retention Funding Loans
Summarized Stock Option Activity
Schedule of Stock Options Roll Forward [Table Text Block]
RSUs granted (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period
Goodwill and Intangible Assets
Goodwill and Intangible Assets Disclosure [Text Block]
Concentration risk (in percent)
Concentration Risk, Percentage
Beginning balance (in shares)
Ending balance (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number
Consecutive trading days
Debt Instrument, Convertible, Threshold Consecutive Trading Days
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity, Not Primary Beneficiary [Member]
Retained Earnings (Accumulated Deficit)
Retained Earnings [Member]
Debt Instrument [Axis]
Debt Instrument [Axis]
Financial Asset, Period Past Due [Domain]
Financial Asset, Aging [Domain]
Commitments and Contingencies
Commitments and Contingencies Disclosure [Text Block]
Servicing Liabilities at Fair Value [Line Items]
Servicing Liabilities at Fair Value [Line Items]
Financing Receivable, Past Due [Line Items]
Financing Receivable, Past Due [Line Items]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]
Accrued expenses and other liabilities at fair value
Accrued Expenses And Other Liabilities, Fair Value Disclosure
Accrued Expenses And Other Liabilities, Fair Value Disclosure
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
2020 Equity Incentive Plan
2020 Equity Incentive Plan [Member]
2020 Equity Incentive Plan
Purchase period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Share-Based Compensation Arrangement By Share-based Payment Award, Purchase Period
Credit risk rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Expected Credit Losses
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table]
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment [Line Items]
Vesting percentage
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage
Commitments and Contingencies Disclosure [Abstract]
Capitalized stock-based compensation expense
Share-based Payment Arrangement, Amount Capitalized
Loans (at fair value)
Loans Receivable [Member]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Schedule of Servicing Assets at Fair Value [Table]
Schedule of Servicing Assets at Fair Value [Table]
Total payments due
Outstanding borrowings
Total payments due
Long-term and Short-term Debt, Gross
Long-term and Short-term Debt, Gross
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Line Items]
Percentage of the last reported sale price
Debt Instrument, Convertible, Maximum Percentage Of Product Of Last Reported Sale Price And Conversion Rate
Debt Instrument, Convertible, Maximum Percentage Of Product Of Last Reported Sale Price And Conversion Rate
Conversion Period Two
Conversion Period Two [Member]
Conversion Period Two
Net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, basic (in dollars per share)
Earnings Per Share, Basic
Schedule of shares and warrants reserved for issuance
Schedule of Class of Stock and Warrants or Rights [Table Text Block]
Schedule of Class of Stock and Warrants or Rights
Proceeds from issuance of common stock under employee stock purchase plan
Proceeds, Issuance of Shares, Share-based Payment Arrangement, Excluding Option Exercised
2025
Lessee, Operating Lease, Liability, to be Paid, Year Three
Revenue
Revenue from Contract with Customer [Text Block]
Gain (loss) on transfer of loans
Gain (Loss) on Transfer Of Loans
Gain (Loss) on Transfer Of Loans
Beginning balance (in shares)
Ending balance (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number
Fair value, beginning balance
Fair value, ending balance
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability Value
Schedule of Borrowings [Line Items]
Schedule of Borrowings [Line Items]
Schedule of Borrowings [Line Items]
Servicing and other fees, net
Servicing Fees, Net [Member]
Servicing Fees, Net
Disaggregation of Revenue By Type of Service
Disaggregation of Revenue [Table Text Block]
Loss (gain) on loan servicing arrangement, net
Gain (Loss) On Loan Servicing Arrangements And Sale Of Noncontrolling Interests, Net
Gain (Loss) On Loan Servicing Arrangements And Sale Of Noncontrolling Interests, Net
Schedule of Servicing Liabilities at Fair Value [Table]
Schedule of Servicing Liabilities at Fair Value [Table]
Expected credit loss rates on underlying loans
Expected Credit Loss Rate [Abstract]
Expected Credit Loss Rate
Sale of loans
Servicing Asset at Fair Value, Additions
Cash paid for amounts included in the measurement of lease liabilities
Operating Lease, Payments
Loans held-for-investment
Loans Held-For-Investment, Fair Value Disclosure
Loans Held-For-Investment, Fair Value Disclosure
Level 3 Fair Value Assumptions for Loan Servicing Assets and Liabilities
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table Text Block]
Non-cash interest expense
Other Noncash Income (Expense)
Additional aggregate principal
Debt Instrument, Additional Aggregate Principal
Debt Instrument, Additional Aggregate Principal
Engineering and product development
Engineering And Product Development [Member]
Engineering And Product Development
Prodigy Software, Inc.
Prodigy Software, Inc. [Member]
Prodigy Software, Inc.
Fair value of options vested during period
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested in Period, Fair Value
Plan Name [Axis]
Plan Name [Axis]
Assets
Assets, Fair Value Disclosure [Abstract]
Financing Receivable Portfolio Segment [Axis]
Financing Receivable Portfolio Segment [Axis]
Prepaid expenses
Prepaid Expense
Servicing Asset at Fair Value, Amount [Roll Forward]
Servicing Asset at Fair Value, Amount [Roll Forward]
Total assets
Assets, Fair Value Disclosure
Cash flows from investing activities
Net Cash Provided by (Used in) Investing Activities [Abstract]
Other liabilities
Other Liabilities
Fair Value by Liability Class [Domain]
Fair Value by Liability Class [Domain]
Aggregate Fair Value and Principal Outstanding of All Loans and Loans 90 days or More Past Due
Financing Receivable, Past Due [Table Text Block]
Income Tax Disclosure [Abstract]
Internally developed software
Software Development [Member]
Entity Small Business
Entity Small Business
Proceeds from immediate resale of loans
Proceeds From Immediate Resale Of Loans
Proceeds From Immediate Resale Of Loans
Fair Value Sensitivity of Loan Servicing Assets And Liabilities to Adverse Changes in Key Assumptions
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table Text Block]
Finite-Lived Intangible Assets [Line Items]
Finite-Lived Intangible Assets [Line Items]
Total liabilities and stockholders’ equity
Liabilities and Equity
Tranche one
Share-based Payment Arrangement, Tranche One [Member]
Customer One
Customer 1 [Member]
Customer 1
Options exercised (in dollars per share)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price
Average effect of fair value of hypothetical 20% adverse change in expected credit loss rates (in percent)
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates, Average
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates, Average
Restricted cash
Restricted Cash
Additional paid-in capital
Additional Paid in Capital
Principal payments received for loans held-for-sale
Proceeds from Collection of Loans Held-for-sale
Other Assets [Abstract]
Liabilities and Stockholders’ Equity
Liabilities and Equity [Abstract]
Customer operations
Customer Operations [Member]
Customer Operations
Collection agency fees
Collection Agency Fees [Member]
Collection Agency Fees
Net Income Per Share
Earnings Per Share [Text Block]
Operating expenses:
Operating Expenses [Abstract]
Entity Interactive Data Current
Entity Interactive Data Current
2026
Finite-Lived Intangible Asset, Expected Amortization, Year Four
Issuance of common stock upon exercise of stock options
Stock Issued During Period, Value, Stock Options Exercised
Minimum
Minimum [Member]
2024
Lessee, Operating Lease, Liability, to be Paid, Year Two
Initial conversion rate (in shares)
Debt Instrument, Convertible, Conversion Ratio
Proceeds from sale of loans held-for-investment
Proceeds from Sale of Loans Held-for-investment
Total liabilities
Financial and Nonfinancial Liabilities, Fair Value Disclosure
Options forfeited or expired (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price
Entity Common Stock, Shares Outstanding
Entity Common Stock, Shares Outstanding
Trailing fees liability, measurement input
Trailing Fees Liability, Measurement Input
Trailing Fees Liability, Measurement Input
Entity Address, State or Province
Entity Address, State or Province
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]
Debt Instrument Conversion [Axis]
Debt Instrument Conversion [Axis]
Debt Instrument Conversion
Receivable [Domain]
Receivable [Domain]
General, administrative, and other
General and Administrative Expense
Borrowings
Debt Disclosure [Text Block]
Options exercisable, Weighted average exercise price per share (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price
Stockholders’ Equity
Share-based Payment Arrangement [Text Block]
Fair Value, Inputs, Level 3
Fair Value, Inputs, Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Change in fair value of financial instruments
Increase (Decrease) in Financial Instruments Used in Operating Activities
Options outstanding
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term
Servicing fees and other receivables
Accrued Fees and Other Revenue Receivable
Exercise of common stock warrants (in shares)
Stock Issued During Period, Shares, New Issues
Capitalized cost amortization term
Capitalized Contract Cost, Amortization Period
Letter of credit outstanding
Letters of Credit Outstanding, Amount
Operating lease liabilities
Operating Lease, Liability
Document Transition Report
Document Transition Report
Components of The Interest Income and Fair Value Adjustments, Net
Interest Income and Interest Expense Disclosure [Table Text Block]
Common stock, $0.0001 par value; 700,000,000 shares authorized; 83,659,665 and 84,676,746, shares issued and outstanding as of December 31, 2021 and March 31, 2022, respectively
Common Stock, Value, Issued
Disaggregation of Revenue [Line Items]
Disaggregation of Revenue [Line Items]
Period of recognition
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition
Unvested (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value
Customers
Customer Concentration Risk [Member]
Basis of Presentation
Basis of Accounting, Policy [Policy Text Block]
PRSUs
Performance Shares [Member]
Total interest income and fair value adjustments, net
Interest Income And Fair Value Adjustment, Net
Interest Income And Fair Value Adjustment, Net
Leases
Lessee, Operating Leases [Text Block]
Discount rates
Discount Rate [Abstract]
Discount Rate
Assets And Liabilities Measured At Fair Value
Fair Value, by Balance Sheet Grouping [Table Text Block]
Entity Emerging Growth Company
Entity Emerging Growth Company
Remaining 2022
Lessee, Operating Lease, Liability, to be Paid, Remainder of Fiscal Year
Restricted Stock
Restricted Stock [Member]
Stock Options Fair Value Assumptions
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]
Loan receivable, measurement input
Loans Receivable, Measurement Input
Loans Receivable, Measurement Input
Proceeds from borrowings
Proceeds from Issuance of Debt
Antidilutive Securities, Name [Domain]
Antidilutive Securities, Name [Domain]
Cover [Abstract]
Class of Stock [Axis]
Class of Stock [Axis]
Remaining 2022
Long-term and Short-term Debt, Maturity, Remainder Of Fiscal Year
Long-term and Short-term Debt, Maturity, Remainder Of Fiscal Year
Numerator:
Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]
Borrowings
Total borrowings
Debt, Long-term and Short-term, Combined Amount
Trailing Fee Liabilities
Trailing Fee Liabilities [Member]
Trailing Fee Liabilities
Less: Present value adjustment
Lessee, Operating Lease, Liability, Undiscounted Excess Amount
Cash
Cash
Conversion Period One
Conversion Period One [Member]
Conversion Period One
20% market-servicing rates increase
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Increase In Market-Servicing Rates
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Increase In Market-Servicing Rates
Rollforward Of Level 3 Assets
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]
Revenue from fees, net
Revenue from Contract with Customer, Excluding Assessed Tax
Platform and referral fees, net
Platform And Referral Fees, Net [Member]
Platform And Referral Fees, Net
Variable Interest Entity or Potential VIE, Information Unavailability, Disclosures [Abstract]
Variable Interest Entity or Potential VIE, Information Unavailability, Disclosures [Abstract]
Notes receivable and residual certificates (at fair value)
Notes Receivable And Residual Certificates [Member]
Notes Receivable And Residual Certificates
Stock Options
Share-based Payment Arrangement, Option [Member]
Schedule of Borrowings [Table]
Schedule of Borrowings [Table]
Schedule of Borrowings [Table]
Interest income and fair value adjustments, net
Revenue Not from Contract with Customer
Fair Value Hierarchy and NAV [Axis]
Fair Value Hierarchy and NAV [Axis]
Document Quarterly Report
Document Quarterly Report
Convertible notes payable
Convertible Notes Payable
Measurement Input Type [Domain]
Measurement Input Type [Domain]
Common Stock
Common Stock [Member]
Variable Rate [Axis]
Variable Rate [Axis]
Income from operations
Operating Income (Loss)
Schedule of Assets Pledge as Collateral
Schedule of Financial Instruments Owned and Pledged as Collateral [Table Text Block]
Schedule of Collection Agency And Borrower Fees
Schedule Of Fees And Commissions [Table Text Block]
Schedule Of Fees And Commissions
Property, Plant and Equipment [Table]
Property, Plant and Equipment [Table]
Financial Asset, Period Past Due [Axis]
Financial Asset, Aging [Axis]
2024
Finite-Lived Intangible Asset, Expected Amortization, Year Two
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Document Fiscal Year Focus
Document Fiscal Year Focus
Stock-based compensation
Share-based Payment Arrangement, Noncash Expense
Variable Rate [Domain]
Variable Rate [Domain]
Purchase of non-marketable equity security
Payments to Acquire Other Investments
Additional Paid-in Capital
Additional Paid-in Capital [Member]
Cash and restricted cash
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect [Abstract]
Repayments of borrowings
Repayments of Debt
Long-term Debt, Type [Domain]
Long-term Debt, Type [Domain]
Loans Held For Investment
Loans Held For Investment [Member]
Loans Held For Investment
Reclassification of loans from HFI to HFS
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Reclassification
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Reclassification
10% market-servicing rates increase
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Increase In Market-Servicing Rates
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Increase In Market-Servicing Rates
Cash paid for income taxes
Income Taxes Paid
Loans (at fair value)
Fair value
Financing Receivable, after Allowance for Credit Loss
Customer operations
Customer Operations Expense
Customer Operations Expense
Awards granted (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted
Percent of the principal amount
Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed
Purchase of property and equipment
Payments to Acquire Property, Plant, and Equipment
Valuation Approach and Technique [Axis]
Valuation Approach and Technique [Axis]
Maximum
Maximum [Member]
Share-based Payment Arrangement [Abstract]
Loss Contingency, Nature [Domain]
Loss Contingency, Nature [Domain]
Prepayment rate
Measurement Input, Prepayment Rate [Member]
Total liabilities
Liabilities
Liabilities
Loan servicing assets
Fair value, beginning balance
Fair value, ending balance
Loan servicing assets (at fair value)
Servicing Asset at Fair Value, Amount
Accrued Expenses and Other Liabilities
Schedule of Accrued Liabilities [Table Text Block]
Award Type [Axis]
Award Type [Axis]
2023
Finite-Lived Intangible Asset, Expected Amortization, Year One
Options granted (in dollars per share)
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price
Cash flows from financing activities
Net Cash Provided by (Used in) Financing Activities [Abstract]
Balances at March 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]
Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]
Future Minimum Lease Payments
Lessee, Operating Lease, Liability, Maturity [Table Text Block]
Measurement Input Type [Axis]
Measurement Input Type [Axis]
Customers Accounting for Greater Than 10% of Accounts Receivable
Schedule of Revenue by Major Customers by Reporting Segments [Table Text Block]
Total stockholders’ equity
Beginning balance
Ending balance
Net Assets
Stockholders' Equity Attributable to Parent
Common stock, issued (in shares)
Common Stock, Shares, Issued
Purchase of loans held-for-investment
Payments to Acquire Loans Held-for-investment
City Area Code
City Area Code
Repayments and settlements
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Settlements
Options exercisable – March 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value
100 basis point increase
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates
Goodwill and Intangible Assets Disclosure [Abstract]
Entity Address, City or Town
Entity Address, City or Town
Stockholders’ equity:
Stockholders' Equity Attributable to Parent [Abstract]
Risk free rate, minimum
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Minimum
Proceeds from sale of loans held-for-sale
Proceeds from Sale of Loans Held-for-sale
Aggregate principal amount
Debt Instrument, Face Amount
Interest expense
Interest Expense
Interest income
Interest and Dividend Income, Operating
Effective interest rate
Debt Instrument, Interest Rate, Effective Percentage
Expected volatility, maximum
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Maximum
Notes Receivable
Notes Receivable [Member]
Loss Contingency Nature [Axis]
Loss Contingency Nature [Axis]
Consecutive trading days
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Performance Measurement, Average Stock Price, Consecutive Trading Days
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Performance Measurement, Average Stock Price, Consecutive Trading Days
Retained earnings
Retained Earnings (Accumulated Deficit)
Fair Value Measurement Inputs and Valuation Techniques [Table]
Fair Value Measurement Inputs and Valuation Techniques [Table]
Restricted Stock Units (RSUs)
Restricted Stock Units (RSUs) [Member]
Monthly unused fee (in percent)
Line of Credit Facility, Unused Capacity, Commitment Fee Percentage
Statement of Stockholders' Equity [Abstract]
Issuance of common stock under employee stock purchase plan (in shares)
Stock Issued During Period, Shares, Employee Stock Purchase Plans
Entity Filer Category
Entity Filer Category
Servicing Assets at Fair Value Rollforward
Schedule of Servicing Assets at Fair Value [Table Text Block]
Sensitivity Analysis of Fair Value
Schedule of Sensitivity Analysis of Fair Value [Table Text Block]
Schedule of Sensitivity Analysis of Fair Value
Discount rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Discount Rate
Risk-free interest rate
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate
Tranche two
Share-based Payment Arrangement, Tranche Two [Member]
2025
Long-term and Short-term Debt, Maturity, Year Three
Long-term and Short-term Debt, Maturity, Year Three
Valuation Technique, Discounted Cash Flow
Valuation Technique, Discounted Cash Flow [Member]
Income Statement [Abstract]
Entity Registrant Name
Entity Registrant Name
Asset Class [Domain]
Asset Class [Domain]
2026
Long-term and Short-term Debt, Maturity, Year Four
Long-term and Short-term Debt, Maturity, Year Four
Fair value and other adjustments, net
Fair Value And Other Adjustments, Net
Fair Value And Other Adjustments, Net
Capitalized internally developed software balances, net of accumulated amortization
Capitalized Computer Software, Net
Proceeds from exercise of stock options
Proceeds from Stock Options Exercised
Description of Business and Significant Accounting Policies
Basis of Presentation and Significant Accounting Policies [Text Block]
Restricted stock issued (in shares)
Stock Issued During Period, Shares, Restricted Stock Award, Gross
Finite-Lived Intangible Assets by Major Class [Axis]
Finite-Lived Intangible Assets by Major Class [Axis]
Provision for income taxes
Income Tax Expense (Benefit)
Amendment Flag
Amendment Flag
Assets pledged as collateral
Debt Instrument, Collateral Amount
Equity Components [Axis]
Equity Components [Axis]
Servicing Assets at Fair Value [Line Items]
Servicing Assets at Fair Value [Line Items]
Entity Tax Identification Number
Entity Tax Identification Number
Fair Value Disclosures [Abstract]
Antidilutive Securities [Axis]
Antidilutive Securities [Axis]
Document Fiscal Period Focus
Document Fiscal Period Focus
Sales and marketing
Selling and Marketing Expense [Member]
Total undiscounted lease payments
Lessee, Operating Lease, Liability, to be Paid
Accounts Receivable
Accounts Receivable [Member]
Concentration Risk Type [Domain]
Concentration Risk Type [Domain]
Disaggregation of Revenue [Table]
Disaggregation of Revenue [Table]
Denominator:
Weighted Average Number of Shares Outstanding Reconciliation [Abstract]
RSUs cancelled and forfeited (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period
Repayments received
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Repayments Received
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Repayments Received
Sale of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales
Less: Tenant improvement receivables
Lessee Operating Lease Liability Tenant Improvement Receivable
Lessee Operating Lease Liability Tenant Improvement Receivable
Schedule of Stock by Class [Table]
Schedule of Stock by Class [Table]
Other assets at fair value
Other Assets, Fair Value Disclosure
Accrued payroll
Employee-related Liabilities
Stock-Based Compensation
Share-based Payment Arrangement [Policy Text Block]
Schedule of Variable Interest Entities [Table]
Schedule of Variable Interest Entities [Table]
Statement of Financial Position [Abstract]
Repayments and settlements
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements
Maximum advance rate (in percent)
Line Of Credit Facility, Maximum Advance Rate
Line Of Credit Facility, Maximum Advance Rate
Unrecognized stock-based compensation expense related to unvested stock options
Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount
Product and Service [Axis]
Product and Service [Axis]
Long-Lived Tangible Asset [Domain]
Long-Lived Tangible Asset [Domain]
Non-marketable equity securities
Equity Securities without Readily Determinable Fair Value, Amount
Unrecognized stock-based compensation expense
Share-based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount
Total Revenue
Revenue Benchmark [Member]
Weighted average grant date fair value (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value
Equity Component [Domain]
Equity Component [Domain]
Sales and marketing
Selling and Marketing Expense
2023
Lessee, Operating Lease, Liability, to be Paid, Year One
Stock repurchased during period (in shares)
Stock Repurchased During Period, Shares
Schedule of Accounts, Notes, Loans and Financing Receivable [Table]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table]
Servicing Liabilities at Fair Value Rollforward
Schedule of Servicing Liabilities at Fair Value [Table Text Block]
Variable Interest Entity [Line Items]
Variable Interest Entity [Line Items]
Accrued expenses and other liabilities
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities
Gross debt issuance cost
Debt Issuance Costs, Gross
Statement [Line Items]
Statement [Line Items]
Capped call cover (in shares)
Debt Instrument, Convertible, Capped Calls Number Of Shares Of Common Stock Covered
Debt Instrument, Convertible, Capped Calls Number Of Shares Of Common Stock Covered
Weighted-Average Exercise Price Per Share
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Issuances
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Issuances
Liabilities:
Liabilities [Abstract]
Counterparty Name [Domain]
Counterparty Name [Domain]
Fair value of convertible senior notes
Convertible Debt, Fair Value Disclosures
2019-2 RR Financing Agreement
2019-2 RR Financing Agreement [Member]
2019-2 RR Financing Agreement
2026
Lessee, Operating Lease, Liability, to be Paid, Year Four
Debt Disclosure [Abstract]
Weighted Average
Weighted Average [Member]
Performance Restricted Stock Units (PRSU's)
Performance Restricted Stock Units (PRSU's) [Member]
Performance Restricted Stock Units (PRSU's)
ESPP purchase price of common stock, percent of market price
Share-based Compensation Arrangement by Share-based Payment Award, Purchase Price of Common Stock, Percent
Fair Value, Inputs, Level 2
Fair Value, Inputs, Level 2 [Member]
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]
Notes receivable and residual certificates
Notes Receivable, Fair Value Disclosure
Long-Lived Tangible Asset [Axis]
Long-Lived Tangible Asset [Axis]
Coupon interest expense
Interest Expense, Debt, Excluding Amortization
Warehouse credit facilities
Warehouse Credit Facility [Member]
Warehouse Credit Facility
Operating lease liability and right-of-use asset
Increase (Decrease) In Operating Lease Liability And Right of Use Asset
Increase (Decrease) In Operating Lease Liability And Right of Use Asset
Customer [Axis]
Customer [Axis]
Purchase of loans for immediate resale
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchase Of Loans For Immediate Resale To Investors
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchase Of Loans For Immediate Resale To Investors
Purchase of loans for immediate resale
Purchase of Loans For Immediate Resale
Purchase of Loans For Immediate Resale
Use of Estimates
Use of Estimates, Policy [Policy Text Block]
Accounts payable
Increase (Decrease) in Accounts Payable, Trade
Schedule of Net Income Per Share Attributable to Common Stockholders
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]
Options granted (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross
Trading days
Debt Instrument, Convertible, Threshold Trading Days
Asset Class [Axis]
Asset Class [Axis]
Stock-Based Compensation Expense
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Table Text Block]
Vesting [Axis]
Vesting [Axis]
Conversion Period Three
Conversion Period Three [Member]
Conversion Period Three
Title of 12(b) Security
Title of 12(b) Security
Total assets
Assets
Assets
Plan Name [Domain]
Plan Name [Domain]
Common stock, authorized (in shares)
Common Stock, Shares Authorized
Cash paid for interest
Interest Paid, Excluding Capitalized Interest, Operating Activities
Loan servicing liabilities
Fair value, beginning balance
Fair value, ending balance
Loan servicing liabilities (at fair value)
Servicing Liability at Fair Value, Amount
Customer Two
Customer 2 [Member]
Customer 2
Document Type
Document Type
Product and Service [Domain]
Product and Service [Domain]
Engineering and product development
Research and Development Expense
Trailing fee liability (at fair value)
Trailing Fee Liability At Fair Value, Amount
Trailing Fee Liability At Fair Value, Amount
Balance Sheet Components
Supplemental Balance Sheet Disclosures [Text Block]
Principal payments received for loans held-for-investment
Proceeds from Principal Repayments on Loans and Leases Held-for-investment
Stated interest rate
Debt Instrument, Interest Rate, Stated Percentage
Financing Receivable Portfolio Segment [Domain]
Financing Receivable Portfolio Segment [Domain]
Borrower fees
Borrower Fees [Member]
Borrower Fees
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Revolving Credit Facility
Revolving Credit Facility [Member]
Loan Servicing Liabilities
Loan Servicing Liabilities [Member]
Loan Servicing Liabilities
Net cash provided by (used in) operating activities
Net Cash Provided by (Used in) Operating Activities
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of Aggregate Principal Outstanding of All Loans
Schedule of Debt [Table Text Block]
Furniture and fixtures
Furniture and Fixtures [Member]
Operating Lease Expense And Supplemental Cash and Non-Cash Information
Lease, Cost [Table Text Block]
Accrued expenses and other liabilities (includes $13,095 and $13,531 at fair value as of December 31, 2021 and March 31, 2022, respectively)
Total accrued expenses and other liabilities
Accrued Liabilities and Other Liabilities
Weighted-average number of shares outstanding used in computing net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, basic (in shares)
Weighted-average common shares outstanding used to calculate net income per share attributable to Upstart Holdings, Inc. common stockholders, basic (in shares)
Weighted Average Number of Shares Outstanding, Basic
Net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, diluted (in dollars per share)
Earnings Per Share, Diluted
Amortization of debt issuance costs
Amortization of Debt Issuance Costs and Discounts
Conversion price maximum threshold
Debt Instrument, Convertible, Threshold Percentage of Stock Price Trigger
Weighted-average effect of dilutive securities (in shares)
Weighted Average Number Diluted Shares Outstanding Adjustment
Vesting [Domain]
Vesting [Domain]
Subsequent Events
Subsequent Events [Text Block]
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
Debt Instrument Conversion [Domain]
Intangible assets, net
Intangible Assets, Net (Excluding Goodwill)
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Net cash provided by (used in) financing activities
Net Cash Provided by (Used in) Financing Activities
Award vesting period
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period
Other assets
Other Assets, Miscellaneous
Business Acquisition, Acquiree [Domain]
Business Acquisition, Acquiree [Domain]
Summaries of Restricted Stock Units and Restricted Stock
Share-based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity [Table Text Block]
ULT Warehouse Credit Facility
ULT Warehouse Credit Facility [Member]
ULT Warehouse Credit Facility
Schedule of effective tax rates
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]
Fair Value Measurement
Fair Value Disclosures [Text Block]
Accrued interest income
Financing Receivable, Accrued Interest, after Allowance for Credit Loss
Net income before income taxes
Income (Loss) Attributable to Parent, before Tax
Variable Interest Entity, Primary Beneficiary
Variable Interest Entity, Primary Beneficiary [Member]
Concentration Risk Type [Axis]
Concentration Risk Type [Axis]
Depreciation and amortization
Depreciation, Depletion and Amortization
2025
Finite-Lived Intangible Asset, Expected Amortization, Year Three
Schedule of Financial Assets And Liabilities From Variable Interest Entities
Schedule of Variable Interest Entities [Table Text Block]
Net proceeds from sale of the notes
Proceeds from Convertible Debt
Minimum utilization requirement
Line Of Credit Facility, Minimum Utilization Requirement
Line Of Credit Facility, Minimum Utilization Requirement
Remaining 2022
Finite-Lived Intangible Asset, Expected Amortization, Remainder of Fiscal Year
Other assets (includes $26,676 and $34,344 at fair value as of December 31, 2021 and March 31, 2022, respectively)
Total other assets
Other Assets
Common stock, outstanding (in shares)
Beginning balance (in shares)
Ending balance (in shares)
Common Stock, Shares, Outstanding
Revenue:
Revenues [Abstract]
Document Period End Date
Document Period End Date
Issuance of common stock upon settlement of restricted stock units (in shares)
Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures
Entity Central Index Key
Entity Central Index Key
Average effect on fair value of a 200 basis point increase in discount rates (in percent)
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates, Average
Sensitivity Analysis of Fair Value, Assets, Impact of 200 Basis Point Increase In Discount Rates, Average
Concentration Risk Benchmark [Domain]
Concentration Risk Benchmark [Domain]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Weighted-Average Cost Of Commercial Paper Notes Issued By The Lender
Weighted-Average Cost Of Commercial Paper Notes Issued By The Lender [Member]
Weighted-Average Cost Of Commercial Paper Notes Issued By The Lender
20% adverse change
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Sensitivity Analysis of Fair Value, Assets, Impact of 20 Percent Adverse Change in Expected Credit Loss Rates
Payable to investors
Payable To Investors
Payable To Investors
Number of Options
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Consolidated Entities [Domain]
Consolidated Entities [Domain]
Aggregate Intrinsic Value
Share Based Compensation Arrangement By Share Based Payment Award Options Aggregate Intrinsic Value [Abstract]
Share Based Compensation Arrangement By Share Based Payment Award Options Aggregate Intrinsic Value
Schedule of Property, Equipment, and Software
Property, Plant and Equipment [Table Text Block]
Financing Receivable, Past Due [Table]
Financing Receivable, Past Due [Table]
Credit risk rate
Measurement Input, Entity Credit Risk [Member]
Income Statement Location [Domain]
Income Statement Location [Domain]
Supplemental disclosures of non-cash investing and financing activities
Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract]
Customer relationships
Customer Relationships [Member]
Auto Loans
Auto Loans [Member]
Auto Loans
Loss Contingencies [Line Items]
Loss Contingencies [Line Items]
Property, equipment, and software, net
Total property, equipment, and software, net
Property, Plant and Equipment, Net
Market-servicing rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Market Servicing Rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Market Servicing Rate
Total operating expenses
Operating Expenses
Expected Future Amortization Expense
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Table]
Share-based Payment Arrangement, Expensed and Capitalized, Amount [Table]
Income from capital market program, net
Income From Capital Market Program
Income From Capital Market Program
Trading Symbol
Trading Symbol
Earnings Per Share [Abstract]
Total property, equipment, and software
Property, Plant and Equipment, Gross
Other assets
Increase (Decrease) in Other Operating Assets
Total revenue
Revenues
Thereafter
Lessee, Operating Lease, Liability, to be Paid, after Year Four
Lessee, Operating Lease, Liability, to be Paid, after Year Four
Options vested and expected to vest (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number
Trailing fee liabilities
Trailing Fee Liabilities, Fair Value Disclosure
Trailing Fee Liabilities, Fair Value Disclosure
Thereafter
Finite-Lived Intangible Asset, Expected Amortization, after Year Four
Finite-Lived Intangible Asset, Expected Amortization, after Year Four
Options outstanding (in dollars per share)
Options outstanding (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price
Liabilities
Liabilities, Fair Value Disclosure [Abstract]
Stock-based compensation expense
Share-based Payment Arrangement, Expense
Servicing Liability at Fair Value, Amount [Roll Forward]
Servicing Liability at Fair Value, Amount [Roll Forward]
Loan Servicing Assets
Loan Servicing Assets [Member]
Loan Servicing Assets
Convertible debt
Convertible Debt Securities [Member]
Options exercisable
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term
Reclassification of loans held-for-investment to held-for-sale
Transfer of Portfolio Loans and Leases to Held-for-sale
Entity Current Reporting Status
Entity Current Reporting Status
Expected volatility, minimum
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Minimum
Weighted-Average Grant Date Fair Value Per Share
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Effective tax rate
Effective Income Tax Rate Reconciliation, Percent
Maximum estimate of potential loss
Loss Contingency, Estimate of Possible Loss
Counterparty Name [Axis]
Counterparty Name [Axis]
Common stock
Common Class A [Member]
Changes in fair value recorded in earnings
Servicing Asset At Fair Value, Gain (Loss) Included In Earnings
Servicing Asset At Fair Value, Gain (Loss) Included In Earnings
Cash and restricted cash at beginning of period
Cash and restricted cash at end of period
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents
Common stock, par value (in dollars per share)
Common Stock, Par or Stated Value Per Share
Discount rate
Measurement Input, Discount Rate [Member]
Variable Interest Entities
Variable Interest Entity Disclosure [Text Block]
Risk free rate, maximum
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Maximum
Gross Carrying Amount
Finite-Lived Intangible Assets, Gross
Shares reserved of common stock for issuance
Common Stock, Capital Shares Reserved for Future Issuance
Leases [Abstract]
Acquired Intangible Assets
Schedule of Finite-Lived Intangible Assets [Table Text Block]
London Interbank Offered Rate (LIBOR)
London Interbank Offered Rate (LIBOR) [Member]
Weighted-Average Remaining Useful Life (Years)
Finite-Lived Intangible Assets, Remaining Amortization Period
Entity Address, Postal Zip Code
Entity Address, Postal Zip Code
Issuance of common stock upon exercise of stock options (in shares)
Options exercised (in shares)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period
Securitizations and other
Securitizations [Member]
Securitizations
Weighted-average number of shares outstanding used in computing net income (loss) per share attributable to Upstart Holdings, Inc. common stockholders, diluted (in shares)
Weighted-average common shares outstanding used to calculate net income per share attributable to Upstart Holdings, Inc. common stockholders, diluted (in shares)
Weighted Average Number of Shares Outstanding, Diluted
Fair value, beginning balance
Fair value, ending balance
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value
Amortization expense
Amortization
Principal payments received for notes receivable and repayments of residual certificates
Proceeds from Collection of Notes Receivable
Income Taxes
Income Tax Disclosure [Text Block]
Long-term Debt, Type [Axis]
Long-term Debt, Type [Axis]
Basis spread on variable rate (in percent)
Debt Instrument, Basis Spread on Variable Rate
Average effect on fair value of a 100 basis point increase in discount rates (in percent)
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates, Average
Sensitivity Analysis of Fair Value, Assets, Impact of 100 Basis Point Increase In Discount Rates, Average
Gain (Loss) on Loan Servicing Rights
Schedule Of Gain (Loss) On Loan Servicing Rights [Table Text Block]
Schedule Of Gain (Loss) On Loan Servicing Rights
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share
Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table Text Block]
Accrued expenses
Accrued Liabilities
Statement of Cash Flows [Abstract]
Obligation to Repurchase Loans
Obligation to Repurchase Receivables Sold [Member]
Maximum Exposure to Losses
Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount
Class of Stock [Line Items]
Class of Stock [Line Items]
Loans
Aggregate fair value of loans purchased and held
Loans Receivable, Fair Value Disclosure
Loan purchase obligation
Purchase Obligation
Credit Facility [Axis]
Credit Facility [Axis]
Finite-Lived Intangible Assets, Major Class Name [Domain]
Finite-Lived Intangible Assets, Major Class Name [Domain]
Net gain (loss) related to loan servicing rights
Net Gain (Loss) Related To Loan Servicing Rights
Net Gain (Loss) Related To Loan Servicing Rights
Entity Address, Address Line One
Entity Address, Address Line One
Net cash provided by investing activities
Net Cash Provided by (Used in) Investing Activities
Entity Address, Address Line Two
Entity Address, Address Line Two
Purchase of capped calls
Payments For Capped Calls
Payments For Capped Calls
Net changes in operating assets and liabilities:
Increase (Decrease) in Operating Capital [Abstract]
Accumulated depreciation and amortization
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment
Issuance of common stock under employee stock purchase plan
Stock Issued During Period, Value, Employee Stock Purchase Plan
2027
Long-term and Short-term Debt, Maturity, Year Five
Long-term and Short-term Debt, Maturity, Year Five
Cash flows from operating activities
Net Cash Provided by (Used in) Operating Activities [Abstract]
Vested (in dollars per share)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value
General, administrative, and other
General and Administrative Expense [Member]
Basis of Consolidation
Consolidation, Policy [Policy Text Block]
Entity Shell Company
Entity Shell Company
Expected term (in years)
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term
Class of Stock [Domain]
Class of Stock [Domain]
Employee Stock Purchase Program (ESPP)
Employee Stock [Member]
Stock-based compensation expense
APIC, Share-based Payment Arrangement, Option, Increase for Cost Recognition
Maximum borrowing capacity
Line of Credit Facility, Maximum Borrowing Capacity
Loss Contingencies [Table]
Loss Contingencies [Table]
Options vested and expected to vest – March 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value
Prepayment rate
Assumption for Fair Value of Assets or Liabilities that relate to Transferor's Continuing Involvement, Prepayment Speed
Current Fiscal Year End Date
Current Fiscal Year End Date
Accounts payable
Accounts Payable
Outstanding principal balance
Financing Receivable, before Allowance for Credit Loss
Debt Instrument, Name [Domain]
Debt Instrument, Name [Domain]
Statement [Table]
Statement [Table]
Purchase of loans held-for-sale
Payments to Purchase Loans Held-for-sale
Number of Shares
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding [Roll Forward]
Loans held-for-sale
Loans Held-for-sale, Fair Value Disclosure
Recently Adopted And Issued Accounting Pronouncements
New Accounting Pronouncements, Policy [Policy Text Block]
Statistical Measurement [Axis]
Statistical Measurement [Axis]
Capitalized software costs
Payments for Software
Net fair value and accrued interest adjustments
Financing Receivable, Allowance for Credit Loss
Schedule of Other Assets
Schedule of Other Assets [Table Text Block]
Net Carrying Amount
Finite-Lived Intangible Assets, Net
Goodwill
Goodwill
Initial conversion price (in dollars per share)
Debt Instrument, Convertible, Capped Calls Initial Strike Price
Debt Instrument, Convertible, Capped Calls Initial Strike Price
Initial cap price (in dollars per share)
Debt Instrument, Convertible, Capped Calls Initial Cap Price
Debt Instrument, Convertible, Capped Calls Initial Cap Price
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Significant Unobservable Inputs
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]
Other Nonoperating Expense
Other Nonoperating Expense
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]
Developed technology
Developed Technology Rights [Member]
Rent expense
Operating Lease, Cost
Aggregate outstanding principal of loans pledged as collateral
Loans Pledged as Collateral
Computer and networking equipment
Computer Equipment [Member]
Concentration Risk Benchmark [Axis]
Concentration Risk Benchmark [Axis]
Unamortized debt discount
Debt Instrument, Unamortized Discount
Purchases of loans
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases
Schedule of Finite-Lived Intangible Assets [Table]
Schedule of Finite-Lived Intangible Assets [Table]
Employee Stock Purchase Plan Fair Value Assumptions
Schedule of Share-based Payment Award, Employee Stock Purchase Plan, Valuation Assumptions [Table Text Block]
Options vested and expected to vest
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term