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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:c5945af8-8e61-4d08-ae6f-8ba1e8986594,g:25897509-75c5-4024-81ed-2102eafd1eb4-->
<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/Cover" xlink:type="simple" xlink:href="upst-20240930.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_e2415571-15eb-4f3b-9532-b0cd8905c895" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_DocumentType_e2415571-15eb-4f3b-9532-b0cd8905c895" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_0df09906-de3f-48f6-a1fa-3a27e9b68b31" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentQuarterlyReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_DocumentQuarterlyReport_0df09906-de3f-48f6-a1fa-3a27e9b68b31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_d92b89a6-de19-47df-8822-bf55f06903d2" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_DocumentPeriodEndDate_d92b89a6-de19-47df-8822-bf55f06903d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_272ca62c-7157-490c-9aae-4674f34338bd" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_DocumentTransitionReport_272ca62c-7157-490c-9aae-4674f34338bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_314cd332-dd36-44da-9a81-7f91ef26aeca" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityFileNumber_314cd332-dd36-44da-9a81-7f91ef26aeca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_fd3fa39d-650e-44b5-9d79-93dd74c3a01e" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityRegistrantName_fd3fa39d-650e-44b5-9d79-93dd74c3a01e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_f3caa303-16f2-4965-ac21-db63e740ac04" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityIncorporationStateCountryCode_f3caa303-16f2-4965-ac21-db63e740ac04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_cd5506a8-5e9a-4d4a-8542-84fd73246be8" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityTaxIdentificationNumber_cd5506a8-5e9a-4d4a-8542-84fd73246be8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_03ce7e01-306a-448e-aa03-95eb8a04296b" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityAddressAddressLine1_03ce7e01-306a-448e-aa03-95eb8a04296b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine2_289f3199-72ca-4213-b057-6cd4732b6243" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine2"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityAddressAddressLine2_289f3199-72ca-4213-b057-6cd4732b6243" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_0d2b0fae-e732-4007-a6a9-05d76287e89a" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityAddressCityOrTown_0d2b0fae-e732-4007-a6a9-05d76287e89a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_ad713f74-e416-4567-aeb4-0cc3b36c319d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityAddressStateOrProvince_ad713f74-e416-4567-aeb4-0cc3b36c319d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_3c7a1362-5bcf-4ad2-a80e-49be1ee5fcdd" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityAddressPostalZipCode_3c7a1362-5bcf-4ad2-a80e-49be1ee5fcdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_cc453bbe-3bab-4beb-bcf4-30fbaf74763f" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_CityAreaCode_cc453bbe-3bab-4beb-bcf4-30fbaf74763f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_d811fb72-7c91-4205-9dc8-db2d3bc6fa9c" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_LocalPhoneNumber_d811fb72-7c91-4205-9dc8-db2d3bc6fa9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_308534f0-9058-4a7e-a95b-aa1c303d94a3" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_Security12bTitle_308534f0-9058-4a7e-a95b-aa1c303d94a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_85aa4c88-5823-4f17-9f79-9a59bb1d54b7" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_TradingSymbol_85aa4c88-5823-4f17-9f79-9a59bb1d54b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_2a999e39-4b16-43e0-a135-7c3a3102ecc9" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_SecurityExchangeName_2a999e39-4b16-43e0-a135-7c3a3102ecc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_8a81f675-5df3-419d-98fa-5fe7d2e020d6" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityCurrentReportingStatus_8a81f675-5df3-419d-98fa-5fe7d2e020d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_a6e48e13-3e8c-44fd-90c2-874e6182d90a" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityInteractiveDataCurrent_a6e48e13-3e8c-44fd-90c2-874e6182d90a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_821b034d-e2a1-4930-866f-7ad2f77a2317" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityFilerCategory_821b034d-e2a1-4930-866f-7ad2f77a2317" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_9cf93205-a9b4-4c89-97a7-704a76f3e77d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntitySmallBusiness_9cf93205-a9b4-4c89-97a7-704a76f3e77d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_fa20b934-28a9-4c6d-a541-30cb2e5e9826" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityEmergingGrowthCompany_fa20b934-28a9-4c6d-a541-30cb2e5e9826" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_cd3aae79-078a-495c-bd48-7f66db7918cd" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityShellCompany_cd3aae79-078a-495c-bd48-7f66db7918cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_93e02145-8ce5-41e5-bb83-c1212af5ba36" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_93e02145-8ce5-41e5-bb83-c1212af5ba36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_a1ec324a-6c70-4bf2-9ba5-7569d168212e" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_AmendmentFlag_a1ec324a-6c70-4bf2-9ba5-7569d168212e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_cc06f3d9-2365-4ec2-9462-c4c9bcaed036" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_DocumentFiscalYearFocus_cc06f3d9-2365-4ec2-9462-c4c9bcaed036" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_210f9683-4458-4c6d-bc08-05ce49a44b7a" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_DocumentFiscalPeriodFocus_210f9683-4458-4c6d-bc08-05ce49a44b7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_d5cd8a16-2ef6-47c4-ba2e-4e28ce3fb891" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_EntityCentralIndexKey_d5cd8a16-2ef6-47c4-ba2e-4e28ce3fb891" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_bc8d8807-ec19-4499-b182-9da532acd60f" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_4958854d-2919-4558-8b46-07548b9b1849" xlink:to="loc_dei_CurrentFiscalYearEndDate_bc8d8807-ec19-4499-b182-9da532acd60f" 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-20240930.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_8feafdf1-0301-46eb-a231-20dde6ee4c99" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_8feafdf1-0301-46eb-a231-20dde6ee4c99" xlink:to="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_89629814-79b2-42ca-a760-74631ba3444a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Cash"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_Cash_89629814-79b2-42ca-a760-74631ba3444a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_dd44b19c-6ca4-4d30-8bed-3de5d1617db6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_RestrictedCash_dd44b19c-6ca4-4d30-8bed-3de5d1617db6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_99fb0b6e-21ad-4813-94f8-3dfa16506312" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_NotesReceivableNet_99fb0b6e-21ad-4813-94f8-3dfa16506312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_925f0a37-b531-4363-9726-e6110b6ffd17" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_925f0a37-b531-4363-9726-e6110b6ffd17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_54053d74-9d0e-42d3-bd41-f0caa354a907" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_54053d74-9d0e-42d3-bd41-f0caa354a907" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestAsset_926ab7f4-717b-4c26-9abc-9c4f197791ec" xlink:href="upst-20240930.xsd#upst_BeneficialInterestAsset"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_upst_BeneficialInterestAsset_926ab7f4-717b-4c26-9abc-9c4f197791ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_f0b06045-44a8-4082-be77-61ee20d54fd8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_f0b06045-44a8-4082-be77-61ee20d54fd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_19390122-0e94-42db-8751-19c1794319bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_Goodwill_19390122-0e94-42db-8751-19c1794319bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_9f7ae26e-96ad-4616-966b-c96e1c8278b0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_OtherAssets_9f7ae26e-96ad-4616-966b-c96e1c8278b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_c885f059-39ce-4d4c-ace3-22326ac34cad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_88cc6a56-9027-4c2d-915e-c5ea478b07c8" xlink:to="loc_us-gaap_Assets_c885f059-39ce-4d4c-ace3-22326ac34cad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_fc27ac94-ea90-4c24-9243-b53ab6e361bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_8feafdf1-0301-46eb-a231-20dde6ee4c99" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_fc27ac94-ea90-4c24-9243-b53ab6e361bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_fc27ac94-ea90-4c24-9243-b53ab6e361bf" xlink:to="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayableToInvestors_bda9243e-5699-473e-82ea-c7afe30b8159" xlink:href="upst-20240930.xsd#upst_PayableToInvestors"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:to="loc_upst_PayableToInvestors_bda9243e-5699-473e-82ea-c7afe30b8159" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_fd309445-6010-4534-b249-7ffd68d58e62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_fd309445-6010-4534-b249-7ffd68d58e62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_bdc9863f-132a-4e00-832c-6f457d0bb46b" xlink:href="upst-20240930.xsd#upst_PayableToSecuritizationNoteHoldersAtFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:to="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_bdc9863f-132a-4e00-832c-6f457d0bb46b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_472ae693-24fb-45ec-86cb-4fac7f2a4061" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_472ae693-24fb-45ec-86cb-4fac7f2a4061" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_051c2e61-239c-42ac-a2c7-56fa5bc538bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:to="loc_us-gaap_OperatingLeaseLiability_051c2e61-239c-42ac-a2c7-56fa5bc538bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_ec947d39-ce80-475d-a8a1-26ce85a3b846" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_297d1b1e-2e82-42de-8252-58ac44d374cd" xlink:to="loc_us-gaap_Liabilities_ec947d39-ce80-475d-a8a1-26ce85a3b846" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_5c413380-15f2-42f8-b837-485416293be6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_fc27ac94-ea90-4c24-9243-b53ab6e361bf" xlink:to="loc_us-gaap_StockholdersEquityAbstract_5c413380-15f2-42f8-b837-485416293be6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_2c30061d-cec6-4769-a422-98da104ef217" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_5c413380-15f2-42f8-b837-485416293be6" xlink:to="loc_us-gaap_CommonStockValue_2c30061d-cec6-4769-a422-98da104ef217" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_1dc78ab5-64c4-4a8c-b235-f496c970b8e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_5c413380-15f2-42f8-b837-485416293be6" xlink:to="loc_us-gaap_AdditionalPaidInCapital_1dc78ab5-64c4-4a8c-b235-f496c970b8e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_36258475-86b0-4a0d-aa97-4654873b64f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_5c413380-15f2-42f8-b837-485416293be6" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_36258475-86b0-4a0d-aa97-4654873b64f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_948fc525-e5db-4daf-9812-d81ad7f8abce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_5c413380-15f2-42f8-b837-485416293be6" xlink:to="loc_us-gaap_StockholdersEquity_948fc525-e5db-4daf-9812-d81ad7f8abce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_443028d2-159b-46c0-9a07-6280ac8b0dd5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_fc27ac94-ea90-4c24-9243-b53ab6e361bf" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_443028d2-159b-46c0-9a07-6280ac8b0dd5" 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-20240930.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_0c930b1a-d1d9-4b0b-aa19-3bd5b5286cfe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_c1076329-ba86-4f12-91d2-255a459da1dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_0c930b1a-d1d9-4b0b-aa19-3bd5b5286cfe" xlink:to="loc_us-gaap_StatementTable_c1076329-ba86-4f12-91d2-255a459da1dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_8f1a6759-53ba-425c-9a12-b83392bff9ad" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_c1076329-ba86-4f12-91d2-255a459da1dd" xlink:to="loc_srt_ConsolidatedEntitiesAxis_8f1a6759-53ba-425c-9a12-b83392bff9ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_d0dca25a-e6e6-43a0-a0dd-38530c94d03f" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_8f1a6759-53ba-425c-9a12-b83392bff9ad" xlink:to="loc_srt_ConsolidatedEntitiesDomain_d0dca25a-e6e6-43a0-a0dd-38530c94d03f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_9b723052-b7b8-4d60-9e11-6e30e3a81c70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_d0dca25a-e6e6-43a0-a0dd-38530c94d03f" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_9b723052-b7b8-4d60-9e11-6e30e3a81c70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_c1076329-ba86-4f12-91d2-255a459da1dd" xlink:to="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_3993d75b-4a39-4031-851c-a489661dea68" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_3993d75b-4a39-4031-851c-a489661dea68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AccruedExpensesAndOtherLiabilitiesFairValueDisclosure_ba46e656-42b6-4e19-9a7d-de9dbf7c7a20" xlink:href="upst-20240930.xsd#upst_AccruedExpensesAndOtherLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_upst_AccruedExpensesAndOtherLiabilitiesFairValueDisclosure_ba46e656-42b6-4e19-9a7d-de9dbf7c7a20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_6cc489a9-ed68-4f4b-af16-238be42a64e7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_6cc489a9-ed68-4f4b-af16-238be42a64e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_f1aaaa49-cac5-4905-abc4-d73ec5e217b9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_f1aaaa49-cac5-4905-abc4-d73ec5e217b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_abf0c01b-eb46-4b3f-88bc-60b0c2a8ffc7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_us-gaap_CommonStockSharesIssued_abf0c01b-eb46-4b3f-88bc-60b0c2a8ffc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_f15144d4-0a00-46b5-8d94-5f9616e085a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_f15144d4-0a00-46b5-8d94-5f9616e085a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_97de824e-c624-44c8-a976-803bd2e0ac7e" xlink:href="upst-20240930.xsd#upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_97de824e-c624-44c8-a976-803bd2e0ac7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_4255a182-943f-4e55-8a4f-38e3bf5403db" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_483783ca-5887-4496-b3fb-7a764323bb81" xlink:to="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_4255a182-943f-4e55-8a4f-38e3bf5403db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_98537873-1616-41d3-bb89-52111b53e2c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_4255a182-943f-4e55-8a4f-38e3bf5403db" xlink:to="loc_us-gaap_AssetsAbstract_98537873-1616-41d3-bb89-52111b53e2c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_88c1f4f4-5d85-4617-a5f7-83ddc7df304e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Cash"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_98537873-1616-41d3-bb89-52111b53e2c2" xlink:to="loc_us-gaap_Cash_88c1f4f4-5d85-4617-a5f7-83ddc7df304e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_3f561835-fe33-4f5f-8fba-5ef86aa46a48" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_98537873-1616-41d3-bb89-52111b53e2c2" xlink:to="loc_us-gaap_RestrictedCash_3f561835-fe33-4f5f-8fba-5ef86aa46a48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_f68588d7-47d7-4963-8858-807d91e1bfba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_98537873-1616-41d3-bb89-52111b53e2c2" xlink:to="loc_us-gaap_NotesReceivableNet_f68588d7-47d7-4963-8858-807d91e1bfba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_e85057e9-a783-43bc-9e8f-b5a3e306117c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_98537873-1616-41d3-bb89-52111b53e2c2" xlink:to="loc_us-gaap_OtherAssets_e85057e9-a783-43bc-9e8f-b5a3e306117c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_9fd87f50-d9f3-42e3-b00d-36cc912c8a72" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_98537873-1616-41d3-bb89-52111b53e2c2" xlink:to="loc_us-gaap_Assets_9fd87f50-d9f3-42e3-b00d-36cc912c8a72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityVIEOrPotentialVIEInformationUnavailabilityDisclosuresAbstract_4255a182-943f-4e55-8a4f-38e3bf5403db" xlink:to="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayableToInvestors_4f9e21b7-6323-4b52-a227-86a28813488a" xlink:href="upst-20240930.xsd#upst_PayableToInvestors"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:to="loc_upst_PayableToInvestors_4f9e21b7-6323-4b52-a227-86a28813488a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_3712a34c-5458-483c-ad04-756279f11cda" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_3712a34c-5458-483c-ad04-756279f11cda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_53a09fde-d5f9-4a7f-8dc8-43ab5b3a2302" xlink:href="upst-20240930.xsd#upst_PayableToSecuritizationNoteHoldersAtFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:to="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_53a09fde-d5f9-4a7f-8dc8-43ab5b3a2302" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_c919e705-f96f-4724-b193-25c9e9819e9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_c919e705-f96f-4724-b193-25c9e9819e9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_cb5c2460-066f-4221-b91c-0caeff92562d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:to="loc_us-gaap_Liabilities_cb5c2460-066f-4221-b91c-0caeff92562d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_0a7e38cf-8592-4557-931f-b15cf0690ca8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_eb38fb54-f50b-45c2-a71e-97df9e8cd269" xlink:to="loc_us-gaap_StockholdersEquity_0a7e38cf-8592-4557-931f-b15cf0690ca8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveLoss" xlink:type="simple" xlink:href="upst-20240930.xsd#CondensedConsolidatedStatementsofOperationsandComprehensiveLoss"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveLoss" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_042c2982-fa55-493d-8e59-cc0fc99661b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenuesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_RevenuesAbstract_042c2982-fa55-493d-8e59-cc0fc99661b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RevenueFromFeesNet_293f3b99-cb61-45ac-aa80-ba1acc03cb27" xlink:href="upst-20240930.xsd#upst_RevenueFromFeesNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_042c2982-fa55-493d-8e59-cc0fc99661b1" xlink:to="loc_upst_RevenueFromFeesNet_293f3b99-cb61-45ac-aa80-ba1acc03cb27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RevenueNotFromContractWithCustomerAbstract_5d4422ac-d5c7-468a-815f-8674456030fb" xlink:href="upst-20240930.xsd#upst_RevenueNotFromContractWithCustomerAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_042c2982-fa55-493d-8e59-cc0fc99661b1" xlink:to="loc_upst_RevenueNotFromContractWithCustomerAbstract_5d4422ac-d5c7-468a-815f-8674456030fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating_953b645d-e356-4250-b1b9-b6f9852b6650" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeOperating"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_RevenueNotFromContractWithCustomerAbstract_5d4422ac-d5c7-468a-815f-8674456030fb" xlink:to="loc_us-gaap_InterestIncomeOperating_953b645d-e356-4250-b1b9-b6f9852b6650" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_5b4e9e69-5526-4921-a3ed-a163a29bce08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_RevenueNotFromContractWithCustomerAbstract_5d4422ac-d5c7-468a-815f-8674456030fb" xlink:to="loc_us-gaap_InterestExpenseOperating_5b4e9e69-5526-4921-a3ed-a163a29bce08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueAndOtherAdjustmentsNet_eba8c0bb-1847-4e75-9f36-ab47334a2096" xlink:href="upst-20240930.xsd#upst_FairValueAndOtherAdjustmentsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_RevenueNotFromContractWithCustomerAbstract_5d4422ac-d5c7-468a-815f-8674456030fb" xlink:to="loc_upst_FairValueAndOtherAdjustmentsNet_eba8c0bb-1847-4e75-9f36-ab47334a2096" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_560ab573-2397-4eeb-9de5-3138cc46a077" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_RevenueNotFromContractWithCustomerAbstract_5d4422ac-d5c7-468a-815f-8674456030fb" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_560ab573-2397-4eeb-9de5-3138cc46a077" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_f8ef06f8-ef57-47b2-864d-75040d2b2a62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_042c2982-fa55-493d-8e59-cc0fc99661b1" xlink:to="loc_us-gaap_Revenues_f8ef06f8-ef57-47b2-864d-75040d2b2a62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpensesAbstract_965c7ba8-a70e-4482-be78-3bdac843c67d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpensesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_OperatingExpensesAbstract_965c7ba8-a70e-4482-be78-3bdac843c67d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_40f70922-4bd3-41e2-935f-f94d18e83cb3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_965c7ba8-a70e-4482-be78-3bdac843c67d" xlink:to="loc_us-gaap_SellingAndMarketingExpense_40f70922-4bd3-41e2-935f-f94d18e83cb3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerOperationsExpense_6277acdc-3c07-427a-b766-7bb4ecfd0083" xlink:href="upst-20240930.xsd#upst_CustomerOperationsExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_965c7ba8-a70e-4482-be78-3bdac843c67d" xlink:to="loc_upst_CustomerOperationsExpense_6277acdc-3c07-427a-b766-7bb4ecfd0083" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense_9aec27dc-f107-4f42-87f8-e02c4ee56012" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ResearchAndDevelopmentExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_965c7ba8-a70e-4482-be78-3bdac843c67d" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_9aec27dc-f107-4f42-87f8-e02c4ee56012" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_997065e9-12d5-4c5d-a20d-dc286db8b8df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_965c7ba8-a70e-4482-be78-3bdac843c67d" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_997065e9-12d5-4c5d-a20d-dc286db8b8df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_3febf1ef-ff66-4927-942e-5de066d7604b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpenses"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_965c7ba8-a70e-4482-be78-3bdac843c67d" xlink:to="loc_us-gaap_OperatingExpenses_3febf1ef-ff66-4927-942e-5de066d7604b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_485616a7-6290-41a4-b08e-b17ab28598f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_OperatingIncomeLoss_485616a7-6290-41a4-b08e-b17ab28598f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_01acbbe3-7d3e-4def-bf32-56b7073076ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_01acbbe3-7d3e-4def-bf32-56b7073076ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_950c1488-f5a4-4e74-9ce6-9fa5e0b21547" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_950c1488-f5a4-4e74-9ce6-9fa5e0b21547" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossAttributableToParent_49565576-5921-43d2-a59b-ed31d81ba0b5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossAttributableToParent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_IncomeLossAttributableToParent_49565576-5921-43d2-a59b-ed31d81ba0b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_8db13f57-e15a-4361-b98a-45032ea67ff6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_8db13f57-e15a-4361-b98a-45032ea67ff6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_b2e89017-822f-4835-bc32-fcbcdfff3ceb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_NetIncomeLoss_b2e89017-822f-4835-bc32-fcbcdfff3ceb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_cdabce37-b575-4d6b-8a28-ab3d5af66a5a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_EarningsPerShareBasic_cdabce37-b575-4d6b-8a28-ab3d5af66a5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_d52c209e-9e86-4b93-b8b3-5562b1adec6d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_EarningsPerShareDiluted_d52c209e-9e86-4b93-b8b3-5562b1adec6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f1371b37-e59e-4f83-99d4-eb09bdd1b362" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f1371b37-e59e-4f83-99d4-eb09bdd1b362" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ce58ddbf-ec86-4207-8a68-a23b6d05c361" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_b7463e6d-681c-4c91-8f79-42994ef6b008" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ce58ddbf-ec86-4207-8a68-a23b6d05c361" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofStockholdersEquity" xlink:type="simple" xlink:href="upst-20240930.xsd#CondensedConsolidatedStatementsofStockholdersEquity"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofStockholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_b5cdaa52-39f0-472a-afbc-9abab4a73dac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_31e03d1b-a310-4a89-8b16-81dfad278e50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_b5cdaa52-39f0-472a-afbc-9abab4a73dac" xlink:to="loc_us-gaap_StatementTable_31e03d1b-a310-4a89-8b16-81dfad278e50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_01c8b644-d247-45e6-bca8-abc2a971b2ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_31e03d1b-a310-4a89-8b16-81dfad278e50" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_01c8b644-d247-45e6-bca8-abc2a971b2ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_6c01a4a4-b82a-4d04-badb-8621c27b534f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_01c8b644-d247-45e6-bca8-abc2a971b2ed" xlink:to="loc_us-gaap_EquityComponentDomain_6c01a4a4-b82a-4d04-badb-8621c27b534f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_14eed89f-045a-4344-bf75-5d6b36a8e6fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6c01a4a4-b82a-4d04-badb-8621c27b534f" xlink:to="loc_us-gaap_CommonStockMember_14eed89f-045a-4344-bf75-5d6b36a8e6fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_f18255fe-09bf-4fdb-9b58-41892c224ecf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6c01a4a4-b82a-4d04-badb-8621c27b534f" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_f18255fe-09bf-4fdb-9b58-41892c224ecf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_0b5f6563-d6ed-4cca-bb15-3ccd61b67367" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6c01a4a4-b82a-4d04-badb-8621c27b534f" xlink:to="loc_us-gaap_RetainedEarningsMember_0b5f6563-d6ed-4cca-bb15-3ccd61b67367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_e11b25c0-e1d3-4fe7-919b-14bb12d38312" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_31e03d1b-a310-4a89-8b16-81dfad278e50" xlink:to="loc_us-gaap_StatementLineItems_e11b25c0-e1d3-4fe7-919b-14bb12d38312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_e11b25c0-e1d3-4fe7-919b-14bb12d38312" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_2ccd87d6-c94a-426a-9d20-56529b98c086" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_2ccd87d6-c94a-426a-9d20-56529b98c086" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_36f49561-82b7-4bd5-94dd-f7d044003779" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_StockholdersEquity_36f49561-82b7-4bd5-94dd-f7d044003779" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_cfe87ba6-ba9c-45f7-a46f-398a3fa9a1eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_cfe87ba6-ba9c-45f7-a46f-398a3fa9a1eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_7b369bc9-a7eb-4e9d-9e2e-6dceaa7ad793" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_7b369bc9-a7eb-4e9d-9e2e-6dceaa7ad793" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_5949e294-5e8a-484e-abd8-57ddda3ce288" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_5949e294-5e8a-484e-abd8-57ddda3ce288" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_a84f0010-d630-4be7-b882-e4376c292d1b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_a84f0010-d630-4be7-b882-e4376c292d1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_bf0e196f-c043-4fe0-a616-673f335c45b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_bf0e196f-c043-4fe0-a616-673f335c45b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_afda00f5-b66e-4126-862c-3d03b87abe20" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_afda00f5-b66e-4126-862c-3d03b87abe20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_c858d0ef-a754-4534-9b53-a0672f9c64bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_c858d0ef-a754-4534-9b53-a0672f9c64bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueEmployeeStockPurchasePlan_52580d6d-2a0e-4a33-98e8-5c935d853e8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodValueEmployeeStockPurchasePlan"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueEmployeeStockPurchasePlan_52580d6d-2a0e-4a33-98e8-5c935d853e8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCalls_a24cba50-82c0-464d-9e1f-2e5f6b7d33a6" xlink:href="upst-20240930.xsd#upst_AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCalls"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_upst_AdjustmentsToAdditionalPaidInCapitalPurchaseOfCappedCalls_a24cba50-82c0-464d-9e1f-2e5f6b7d33a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AdjustmentsToAdditionalPaidInCapitalSettlementOfCappedCalls_28ae3269-cb8f-4dfe-925f-bfc9f722b218" xlink:href="upst-20240930.xsd#upst_AdjustmentsToAdditionalPaidInCapitalSettlementOfCappedCalls"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_upst_AdjustmentsToAdditionalPaidInCapitalSettlementOfCappedCalls_28ae3269-cb8f-4dfe-925f-bfc9f722b218" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_f83712e8-8b5e-4549-b77a-a600b35700d2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_NetIncomeLoss_f83712e8-8b5e-4549-b77a-a600b35700d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_ee064826-0b47-4aa0-83fd-60227b136799" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_ee064826-0b47-4aa0-83fd-60227b136799" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_9c42ae4f-2b6a-46f4-98b2-355073e9c2f8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_2979eb1a-d14b-4600-855b-c59655fa905a" xlink:to="loc_us-gaap_StockholdersEquity_9c42ae4f-2b6a-46f4-98b2-355073e9c2f8" 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-20240930.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_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_b3fb8eeb-0e3d-46e8-a3bb-91ebf120e484" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_b3fb8eeb-0e3d-46e8-a3bb-91ebf120e484" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_145274e3-d7ee-4811-a5ab-49705ba28e14" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_b3fb8eeb-0e3d-46e8-a3bb-91ebf120e484" xlink:to="loc_us-gaap_NetIncomeLoss_145274e3-d7ee-4811-a5ab-49705ba28e14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_b3fb8eeb-0e3d-46e8-a3bb-91ebf120e484" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFinanceReceivables_f868a115-ae9c-4fdb-9a1c-4d83a5beccfc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInFinanceReceivables"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_IncreaseDecreaseInFinanceReceivables_f868a115-ae9c-4fdb-9a1c-4d83a5beccfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInFairValueOfServicingAssets_e5deb913-c570-4e6d-9b7c-bf459bf16e5e" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInFairValueOfServicingAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_upst_IncreaseDecreaseInFairValueOfServicingAssets_e5deb913-c570-4e6d-9b7c-bf459bf16e5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInFairValueOfServicingLiabilities_1f68f1db-2bdf-4b78-b178-760cb648938c" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInFairValueOfServicingLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_upst_IncreaseDecreaseInFairValueOfServicingLiabilities_1f68f1db-2bdf-4b78-b178-760cb648938c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInFairValueOfBeneficialInterestAssets_897ad657-2429-4780-a8c6-87dabe7548a9" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInFairValueOfBeneficialInterestAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_upst_IncreaseDecreaseInFairValueOfBeneficialInterestAssets_897ad657-2429-4780-a8c6-87dabe7548a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInFairValueOfBeneficialInterestLiabilities_9a0b0ead-f1db-4fc8-a1b7-b037d80ebee0" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInFairValueOfBeneficialInterestLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_upst_IncreaseDecreaseInFairValueOfBeneficialInterestLiabilities_9a0b0ead-f1db-4fc8-a1b7-b037d80ebee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherFinancialInstrumentsUsedInOperatingActivities_dde2f2d8-9d0d-430c-b193-2dc0e668e190" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherFinancialInstrumentsUsedInOperatingActivities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherFinancialInstrumentsUsedInOperatingActivities_dde2f2d8-9d0d-430c-b193-2dc0e668e190" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_5a4e9c9d-ae65-4e55-add0-b4c203f21c44" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_ShareBasedCompensation_5a4e9c9d-ae65-4e55-add0-b4c203f21c44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet_18562858-752c-4d6c-af80-5a830009cbf8" xlink:href="upst-20240930.xsd#upst_GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_upst_GainLossOnLoanServicingRightsAndSaleOfNoncontrollingInterestsNet_18562858-752c-4d6c-af80-5a830009cbf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_69a3ea5e-8f0c-4903-978f-2827d4597f98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_69a3ea5e-8f0c-4903-978f-2827d4597f98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_0c75e1fc-05e9-434c-bbd6-999a308abdb9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_0c75e1fc-05e9-434c-bbd6-999a308abdb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaidInKindInterest_bdac073f-4b34-49be-9363-401fb05a6522" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaidInKindInterest"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_PaidInKindInterest_bdac073f-4b34-49be-9363-401fb05a6522" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_506bcdca-30ba-4cc4-b091-924f723ab752" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_506bcdca-30ba-4cc4-b091-924f723ab752" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6bbc9159-7a36-4d94-98fd-040f0a1222e9" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToPurchaseLoansHeldForSale_638835dd-1fdf-46a4-bc7e-28a8702d4092" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToPurchaseLoansHeldForSale"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_us-gaap_PaymentsToPurchaseLoansHeldForSale_638835dd-1fdf-46a4-bc7e-28a8702d4092" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_8a7ef192-90a0-428b-9791-87d513abebab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_8a7ef192-90a0-428b-9791-87d513abebab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfLoansHeldForSale_c84b5d8b-6cd2-4339-a101-89fdedbd3845" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromCollectionOfLoansHeldForSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_us-gaap_ProceedsFromCollectionOfLoansHeldForSale_c84b5d8b-6cd2-4339-a101-89fdedbd3845" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSecuritizationsOfLoansHeldForSale_cb89afdf-4f8c-493a-80f8-89ed65a83d91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSecuritizationsOfLoansHeldForSale"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_us-gaap_ProceedsFromSecuritizationsOfLoansHeldForSale_cb89afdf-4f8c-493a-80f8-89ed65a83d91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentsOnBeneficialInterestLiabilities_d0aa8a90-99d0-4da9-915a-0a47e1d715d3" xlink:href="upst-20240930.xsd#upst_PaymentsOnBeneficialInterestLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_upst_PaymentsOnBeneficialInterestLiabilities_d0aa8a90-99d0-4da9-915a-0a47e1d715d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_84fec389-6684-4f66-acbd-96f2d6a16c56" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_84fec389-6684-4f66-acbd-96f2d6a16c56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset_a6050c11-6619-45c8-9355-1003dfe41eed" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_upst_IncreaseDecreaseInOperatingLeaseLiabilityAndRightOfUseAsset_a6050c11-6619-45c8-9355-1003dfe41eed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets_7efdadac-9f05-4867-807d-af507b8d76f6" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_upst_IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets_7efdadac-9f05-4867-807d-af507b8d76f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_9f9be6b6-b915-4ea5-a32f-000d9f333db1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_66b7b1d0-f697-45c1-8c7e-5369451863c4" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_9f9be6b6-b915-4ea5-a32f-000d9f333db1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_c2e7cf47-7c3c-4a40-920d-1393369815f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_b3fb8eeb-0e3d-46e8-a3bb-91ebf120e484" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_c2e7cf47-7c3c-4a40-920d-1393369815f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireLoansHeldForInvestment_e91d6570-730c-42aa-bf84-39070c63d262" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_us-gaap_PaymentsToAcquireLoansHeldForInvestment_e91d6570-730c-42aa-bf84-39070c63d262" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_ee6d9c4a-5bd5-4f67-b060-1cd2ebe571b0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_ee6d9c4a-5bd5-4f67-b060-1cd2ebe571b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_6764bb94-bc7d-4d7d-99e5-91e178791e91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_6764bb94-bc7d-4d7d-99e5-91e178791e91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfNotesReceivable_bd300c30-c1fe-4cb0-8b27-9947fae02323" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromCollectionOfNotesReceivable"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_us-gaap_ProceedsFromCollectionOfNotesReceivable_bd300c30-c1fe-4cb0-8b27-9947fae02323" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_3e7e9811-4218-478a-808f-01069fd5e646" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_3e7e9811-4218-478a-808f-01069fd5e646" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForSoftware_44e2cd3b-1c8a-49f8-aeb6-98ea76e96639" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForSoftware"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_us-gaap_PaymentsForSoftware_44e2cd3b-1c8a-49f8-aeb6-98ea76e96639" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AcquisitionOfBeneficialInterestAssets_6c7b2cd2-4776-4bfa-b0cc-f90e28c3872e" xlink:href="upst-20240930.xsd#upst_AcquisitionOfBeneficialInterestAssets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_upst_AcquisitionOfBeneficialInterestAssets_6c7b2cd2-4776-4bfa-b0cc-f90e28c3872e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProceedsFromBeneficialInterestAssets_8b6ddd27-970d-4d47-93e9-77e92c3647a1" xlink:href="upst-20240930.xsd#upst_ProceedsFromBeneficialInterestAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_upst_ProceedsFromBeneficialInterestAssets_8b6ddd27-970d-4d47-93e9-77e92c3647a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_d2b5176b-5e35-4a61-b3fb-a85d5416434d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4aea4a52-f789-4360-a117-bab01ddffb55" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_d2b5176b-5e35-4a61-b3fb-a85d5416434d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_3c88f8da-9a38-4556-8cad-2746c3ef3998" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromLongTermLinesOfCredit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_3c88f8da-9a38-4556-8cad-2746c3ef3998" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromConvertibleDebt_dae6b8e8-1053-445b-a1fa-4df4a9441dfb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromConvertibleDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_ProceedsFromConvertibleDebt_dae6b8e8-1053-445b-a1fa-4df4a9441dfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_d815e3da-a3f9-4504-924c-9f3234d0a69f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_d815e3da-a3f9-4504-924c-9f3234d0a69f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_f9270c93-4f53-4312-9554-7bda975d8571" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_f9270c93-4f53-4312-9554-7bda975d8571" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfConvertibleDebt_ae710253-b2a6-4a66-9594-083c394a9cd0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfConvertibleDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_RepaymentsOfConvertibleDebt_ae710253-b2a6-4a66-9594-083c394a9cd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentsForCappedCalls_dc3c61bf-40c2-4184-974d-c45209cff18f" xlink:href="upst-20240930.xsd#upst_PaymentsForCappedCalls"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_upst_PaymentsForCappedCalls_dc3c61bf-40c2-4184-974d-c45209cff18f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProceedsFromSettlementOfCappedCalls_ab9fe727-25d2-47b2-a1b7-2dcbe0226161" xlink:href="upst-20240930.xsd#upst_ProceedsFromSettlementOfCappedCalls"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_upst_ProceedsFromSettlementOfCappedCalls_ab9fe727-25d2-47b2-a1b7-2dcbe0226161" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfAccountsReceivableSecuritization_77801176-d8e7-4179-894c-ba5e11143180" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfAccountsReceivableSecuritization"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_RepaymentsOfAccountsReceivableSecuritization_77801176-d8e7-4179-894c-ba5e11143180" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RepaymentToInvestors_5bfe99b0-9ea5-462a-8bf0-8f6c82016447" xlink:href="upst-20240930.xsd#upst_RepaymentToInvestors"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_upst_RepaymentToInvestors_5bfe99b0-9ea5-462a-8bf0-8f6c82016447" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromAccountsReceivableSecuritization_a25c4f95-7d35-4d99-a7b5-e6fecf049882" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromAccountsReceivableSecuritization"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_ProceedsFromAccountsReceivableSecuritization_a25c4f95-7d35-4d99-a7b5-e6fecf049882" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans_780a9b76-8c5d-4b3e-a1a0-1dd198698756" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlans_780a9b76-8c5d-4b3e-a1a0-1dd198698756" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_06a5abea-422e-4584-ae79-4cfe02a4e7d8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_06a5abea-422e-4584-ae79-4cfe02a4e7d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_4e7936fd-8ab2-4b9b-9e2e-fdfa84004f03" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_4e7936fd-8ab2-4b9b-9e2e-fdfa84004f03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7e2a7524-be73-4e5c-8981-3332910eacc1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_929c9c88-c35f-4f88-ab40-ce1f9875681a" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7e2a7524-be73-4e5c-8981-3332910eacc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4be65b2c-bd89-4026-ba40-dd45e5ede32f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4be65b2c-bd89-4026-ba40-dd45e5ede32f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_bc1b8e81-e4da-4005-8fd2-c6decc5b4323" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_bc1b8e81-e4da-4005-8fd2-c6decc5b4323" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_99e9474e-8813-4d57-9b8a-ac85e40e765d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_bc1b8e81-e4da-4005-8fd2-c6decc5b4323" xlink:to="loc_us-gaap_InterestPaidNet_99e9474e-8813-4d57-9b8a-ac85e40e765d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_6fdaf517-3fec-4258-a456-d77633a9aace" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_bc1b8e81-e4da-4005-8fd2-c6decc5b4323" xlink:to="loc_us-gaap_IncomeTaxesPaidNet_6fdaf517-3fec-4258-a456-d77633a9aace" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:to="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReduction_c318432f-ea9c-4b4e-baff-e806fe35582e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReduction"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:to="loc_us-gaap_NotesReduction_c318432f-ea9c-4b4e-baff-e806fe35582e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsObtainedInConnectionWithLoanSale_4a56c18f-8042-4c3d-a6da-c89482ce82c1" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsObtainedInConnectionWithLoanSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:to="loc_upst_BeneficialInterestsObtainedInConnectionWithLoanSale_4a56c18f-8042-4c3d-a6da-c89482ce82c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_c87f3e1c-5b60-4e00-973c-a58691531a25" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount_c87f3e1c-5b60-4e00-973c-a58691531a25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtIssuanceCostsIncurredDuringNoncashOrPartialNoncashTransaction_1b811bd5-747f-4848-9da5-04e3dd09545c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtIssuanceCostsIncurredDuringNoncashOrPartialNoncashTransaction"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:to="loc_us-gaap_DebtIssuanceCostsIncurredDuringNoncashOrPartialNoncashTransaction_1b811bd5-747f-4848-9da5-04e3dd09545c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IssuanceOfLineOfCreditReceivable_81ebad31-4c5d-49af-9fd5-f4e19ac5a4b5" xlink:href="upst-20240930.xsd#upst_IssuanceOfLineOfCreditReceivable"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:to="loc_upst_IssuanceOfLineOfCreditReceivable_81ebad31-4c5d-49af-9fd5-f4e19ac5a4b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SecuritiesRetainedUnderConsolidatedSecuritizationTransaction_a789a886-c711-4bd3-aec0-779a0b324908" xlink:href="upst-20240930.xsd#upst_SecuritiesRetainedUnderConsolidatedSecuritizationTransaction"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:to="loc_upst_SecuritiesRetainedUnderConsolidatedSecuritizationTransaction_a789a886-c711-4bd3-aec0-779a0b324908" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IssuanceOfBeneficialInterests_5187dff3-bde4-430b-843d-e54569a6b3fb" xlink:href="upst-20240930.xsd#upst_IssuanceOfBeneficialInterests"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_b4215dfc-35b8-424e-a065-d755f664786d" xlink:to="loc_upst_IssuanceOfBeneficialInterests_5187dff3-bde4-430b-843d-e54569a6b3fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperationsAbstract_f0b0a469-8492-453b-a61f-433927eadb3d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperationsAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_7adf0403-7a23-4018-a2b4-dd68c755685f" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperationsAbstract_f0b0a469-8492-453b-a61f-433927eadb3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Cash_3288d7f2-b150-4646-9987-fd36c7d4b36b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Cash"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperationsAbstract_f0b0a469-8492-453b-a61f-433927eadb3d" xlink:to="loc_us-gaap_Cash_3288d7f2-b150-4646-9987-fd36c7d4b36b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_d3a83847-be9c-41f1-b8df-2db613f05015" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperationsAbstract_f0b0a469-8492-453b-a61f-433927eadb3d" xlink:to="loc_us-gaap_RestrictedCash_d3a83847-be9c-41f1-b8df-2db613f05015" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_bb70ce6a-2982-4318-a7ae-1c5987f85da8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperationsAbstract_f0b0a469-8492-453b-a61f-433927eadb3d" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_bb70ce6a-2982-4318-a7ae-1c5987f85da8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CondensedConsolidatedStatementsofCashFlowsParenthetical" xlink:type="simple" xlink:href="upst-20240930.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_c8c731ea-8077-4715-8933-4947565cef6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6c27d953-978d-4ae1-b5bb-673ece15fa90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_c8c731ea-8077-4715-8933-4947565cef6f" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6c27d953-978d-4ae1-b5bb-673ece15fa90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_b18bde11-d1be-4e6c-be1b-4c1d4c69fcc8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_c8c731ea-8077-4715-8933-4947565cef6f" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_b18bde11-d1be-4e6c-be1b-4c1d4c69fcc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPolicies" xlink:type="simple" xlink:href="upst-20240930.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_AccountingPoliciesAbstract_db3d14a9-5cb0-42e3-a7a2-d319bf1b3820" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_b09f796f-b937-4c9a-9a5b-8db8ecb16445" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_db3d14a9-5cb0-42e3-a7a2-d319bf1b3820" xlink:to="loc_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_b09f796f-b937-4c9a-9a5b-8db8ecb16445" 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-20240930.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_8b05fd0f-5045-490b-94b8-160fa0580fa1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_5c6096e9-823d-4730-ae49-0889b801afcc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_8b05fd0f-5045-490b-94b8-160fa0580fa1" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_5c6096e9-823d-4730-ae49-0889b801afcc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/VariableInterestEntities" xlink:type="simple" xlink:href="upst-20240930.xsd#VariableInterestEntities"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/VariableInterestEntities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_13fd63fe-ee97-4a3a-b316-932b7bb8856e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_8e29bde3-8ad1-4d6e-833c-ab3ef0a2a33e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_13fd63fe-ee97-4a3a-b316-932b7bb8856e" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_8e29bde3-8ad1-4d6e-833c-ab3ef0a2a33e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DerivativeFinancialInstruments" xlink:type="simple" xlink:href="upst-20240930.xsd#DerivativeFinancialInstruments"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DerivativeFinancialInstruments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_6a3e0508-41b3-4f61-8ef3-ace6b6d2a73d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_e257ee2b-8106-433d-b638-826cadf2978f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_6a3e0508-41b3-4f61-8ef3-ace6b6d2a73d" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_e257ee2b-8106-433d-b638-826cadf2978f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BeneficialInterests" xlink:type="simple" xlink:href="upst-20240930.xsd#BeneficialInterests"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BeneficialInterests" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsAbstract_f80240bd-3740-438a-8861-0c0786a6e62d" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestDisclosureTextBlock_b2a7933b-c8c3-41c5-b647-809ec32544ab" xlink:href="upst-20240930.xsd#upst_BeneficialInterestDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_BeneficialInterestsAbstract_f80240bd-3740-438a-8861-0c0786a6e62d" xlink:to="loc_upst_BeneficialInterestDisclosureTextBlock_b2a7933b-c8c3-41c5-b647-809ec32544ab" 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-20240930.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_f52cebc6-3e91-4e5d-b8cb-57bb0acccaa6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_b40c52a6-5558-4acc-8b57-397438ec7d27" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f52cebc6-3e91-4e5d-b8cb-57bb0acccaa6" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_b40c52a6-5558-4acc-8b57-397438ec7d27" 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-20240930.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_f7e2d6c0-01a0-484a-b748-dd0743764eab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_625962ef-d3fd-4176-9ef0-4fdc918ccab3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_f7e2d6c0-01a0-484a-b748-dd0743764eab" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_625962ef-d3fd-4176-9ef0-4fdc918ccab3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponents" xlink:type="simple" xlink:href="upst-20240930.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_3a98eec2-63c2-483b-9fc3-e651d708315f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalBalanceSheetDisclosuresTextBlock_5c3b27bb-5ad4-4358-86b6-031da1f69230" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalBalanceSheetDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_3a98eec2-63c2-483b-9fc3-e651d708315f" xlink:to="loc_us-gaap_SupplementalBalanceSheetDisclosuresTextBlock_5c3b27bb-5ad4-4358-86b6-031da1f69230" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/Borrowings" xlink:type="simple" xlink:href="upst-20240930.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_e80ed80a-a0ad-42af-8fd5-5b6e80468f06" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_e722141b-4b82-4a26-96d4-5a666c278c90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_e80ed80a-a0ad-42af-8fd5-5b6e80468f06" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_e722141b-4b82-4a26-96d4-5a666c278c90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquity" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquity"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_bab494e1-f13b-48a0-94de-33b9b4e07b4b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_83e741bb-a805-4cef-be68-65ec9f5ff30c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_bab494e1-f13b-48a0-94de-33b9b4e07b4b" xlink:to="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_83e741bb-a805-4cef-be68-65ec9f5ff30c" 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-20240930.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_9ccb8034-b9e4-4997-9520-eabaceceada4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock_3b983961-3fec-4742-82f2-6e49159e4dac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_9ccb8034-b9e4-4997-9520-eabaceceada4" xlink:to="loc_us-gaap_LesseeOperatingLeasesTextBlock_3b983961-3fec-4742-82f2-6e49159e4dac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CommitmentsandContingencies" xlink:type="simple" xlink:href="upst-20240930.xsd#CommitmentsandContingencies"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CommitmentsandContingencies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_31487b5a-23d9-434a-9a08-caaecf385993" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_bd111887-e679-42e0-acd4-ed8e245b7b8a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_31487b5a-23d9-434a-9a08-caaecf385993" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_bd111887-e679-42e0-acd4-ed8e245b7b8a" 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-20240930.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_f7dfd5b8-d3e9-4154-894a-edf3ff4c2475" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_6655176c-c714-4fbc-a8ce-5024e993d72b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_f7dfd5b8-d3e9-4154-894a-edf3ff4c2475" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_6655176c-c714-4fbc-a8ce-5024e993d72b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetLossPerShare" xlink:type="simple" xlink:href="upst-20240930.xsd#NetLossPerShare"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetLossPerShare" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_a8b91bd8-089b-4734-97a5-83e043300361" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_84ceb145-86e9-4485-b259-2d66c406b3f1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_a8b91bd8-089b-4734-97a5-83e043300361" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_84ceb145-86e9-4485-b259-2d66c406b3f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/ReorganizationExpenses" xlink:type="simple" xlink:href="upst-20240930.xsd#ReorganizationExpenses"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/ReorganizationExpenses" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReorganizationsAbstract_2f736d19-8cbb-405e-9e17-29995a7d8c2b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReorganizationsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringAndRelatedActivitiesDisclosureTextBlock_0b354438-f19c-492d-8260-408018e741c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringAndRelatedActivitiesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReorganizationsAbstract_2f736d19-8cbb-405e-9e17-29995a7d8c2b" xlink:to="loc_us-gaap_RestructuringAndRelatedActivitiesDisclosureTextBlock_0b354438-f19c-492d-8260-408018e741c8" 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-20240930.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_127cec4e-2431-462c-9eaf-ee84e11d076e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock_ca835902-6be1-4e30-8378-c090397b1dfc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_127cec4e-2431-462c-9eaf-ee84e11d076e" xlink:to="loc_us-gaap_SubsequentEventsTextBlock_ca835902-6be1-4e30-8378-c090397b1dfc" 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-20240930.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_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_4afcb179-6fc5-4a7d-a645-9ea5918adc65" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_4afcb179-6fc5-4a7d-a645-9ea5918adc65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription_7d9e74e8-923b-4077-a326-f0bda3055657" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:to="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription_7d9e74e8-923b-4077-a326-f0bda3055657" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates_7962d072-03cb-4c49-ba44-3387b54a0b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UseOfEstimates"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:to="loc_us-gaap_UseOfEstimates_7962d072-03cb-4c49-ba44-3387b54a0b1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy_12810326-38e8-4577-b16e-e7f04d08dc54" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:to="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy_12810326-38e8-4577-b16e-e7f04d08dc54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_a05c95c8-88eb-4336-8f6d-5594028d3df0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_a05c95c8-88eb-4336-8f6d-5594028d3df0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_d81471be-15f3-4758-9f42-9e5d936e8fe4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_d81471be-15f3-4758-9f42-9e5d936e8fe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationVariableInterestEntityPolicy_eaa06bbd-9957-4b32-85c0-7587854df14e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsolidationVariableInterestEntityPolicy"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_2c0b312a-701e-4080-a876-3ac6ff11b6fb" xlink:to="loc_us-gaap_ConsolidationVariableInterestEntityPolicy_eaa06bbd-9957-4b32-85c0-7587854df14e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPoliciesTables" xlink:type="simple" xlink:href="upst-20240930.xsd#DescriptionofBusinessandSignificantAccountingPoliciesTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DescriptionofBusinessandSignificantAccountingPoliciesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_53163590-766e-425e-8039-48390359d0a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_8134a9c8-6f38-4bde-b1d8-5dd173bcb4ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_53163590-766e-425e-8039-48390359d0a0" xlink:to="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_8134a9c8-6f38-4bde-b1d8-5dd173bcb4ce" 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-20240930.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_c8f9d75f-efc7-485a-901d-c0ff8f4b340f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_e6044da9-96e9-499f-8238-a2862abb2508" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_c8f9d75f-efc7-485a-901d-c0ff8f4b340f" xlink:to="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_e6044da9-96e9-499f-8238-a2862abb2508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRevenueByMajorCustomersByReportingSegmentsTableTextBlock_5a992089-8f09-4bbf-9fd2-3e20a2e28020" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfRevenueByMajorCustomersByReportingSegmentsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_c8f9d75f-efc7-485a-901d-c0ff8f4b340f" xlink:to="loc_us-gaap_ScheduleOfRevenueByMajorCustomersByReportingSegmentsTableTextBlock_5a992089-8f09-4bbf-9fd2-3e20a2e28020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfFeesAndCommissionsTableTextBlock_fc75f035-af10-4f9b-990f-8943c6553f91" xlink:href="upst-20240930.xsd#upst_ScheduleOfFeesAndCommissionsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_c8f9d75f-efc7-485a-901d-c0ff8f4b340f" xlink:to="loc_upst_ScheduleOfFeesAndCommissionsTableTextBlock_fc75f035-af10-4f9b-990f-8943c6553f91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock_344f6ce4-8252-44a4-a780-9df144ea225a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_c8f9d75f-efc7-485a-901d-c0ff8f4b340f" xlink:to="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock_344f6ce4-8252-44a4-a780-9df144ea225a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/VariableInterestEntitiesTables" xlink:type="simple" xlink:href="upst-20240930.xsd#VariableInterestEntitiesTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/VariableInterestEntitiesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_b621ee15-2fbf-4cfe-b45e-48686198f35a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_006db3b4-4776-48c2-b8cd-d97d15428d24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_b621ee15-2fbf-4cfe-b45e-48686198f35a" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_006db3b4-4776-48c2-b8cd-d97d15428d24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DerivativeFinancialInstrumentsTables" xlink:type="simple" xlink:href="upst-20240930.xsd#DerivativeFinancialInstrumentsTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DerivativeFinancialInstrumentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_8c985282-0702-45b3-bd5f-610108899821" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfOtherDerivativesNotDesignatedAsHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_a52f1e50-db77-4d8f-baf4-4f46e3ba5cdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfOtherDerivativesNotDesignatedAsHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_8c985282-0702-45b3-bd5f-610108899821" xlink:to="loc_us-gaap_ScheduleOfOtherDerivativesNotDesignatedAsHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_a52f1e50-db77-4d8f-baf4-4f46e3ba5cdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BeneficialInterestsTables" xlink:type="simple" xlink:href="upst-20240930.xsd#BeneficialInterestsTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BeneficialInterestsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsAbstract_0bc68f94-8b03-49ef-9849-043463a3b06d" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBeneficialInterestsTableTextBlock_5f9e1763-ffea-46a4-8c33-f0c646faf287" xlink:href="upst-20240930.xsd#upst_ScheduleOfBeneficialInterestsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_BeneficialInterestsAbstract_0bc68f94-8b03-49ef-9849-043463a3b06d" xlink:to="loc_upst_ScheduleOfBeneficialInterestsTableTextBlock_5f9e1763-ffea-46a4-8c33-f0c646faf287" 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-20240930.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_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_b9cb588d-20c8-41e0-b1d5-6c8355966a43" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_b9cb588d-20c8-41e0-b1d5-6c8355966a43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_09b002ef-d1cb-46e5-af57-0e55cd6ca891" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_09b002ef-d1cb-46e5-af57-0e55cd6ca891" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_0a816d02-2938-44fe-8df0-bf5606d87205" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_0a816d02-2938-44fe-8df0-bf5606d87205" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfSensitivityAnalysisOfFairValueTableTextBlock_b27771e3-16d1-4941-887f-252e39bde3fc" xlink:href="upst-20240930.xsd#upst_ScheduleOfSensitivityAnalysisOfFairValueTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_upst_ScheduleOfSensitivityAnalysisOfFairValueTableTextBlock_b27771e3-16d1-4941-887f-252e39bde3fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_d7b0b5ed-5ce2-4cd0-827b-b45c4a32184d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_d7b0b5ed-5ce2-4cd0-827b-b45c4a32184d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_23c68647-dc4d-43ce-a11b-457bc2c7aacd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_23c68647-dc4d-43ce-a11b-457bc2c7aacd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_fdd8ccb9-c94c-450f-9c89-668d1fd91b7d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_fdd8ccb9-c94c-450f-9c89-668d1fd91b7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_190052c1-c3ca-4887-8797-b94c9c887e19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_190052c1-c3ca-4887-8797-b94c9c887e19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_92bebd76-f687-43cb-9152-59821a8ddbae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_92bebd76-f687-43cb-9152-59821a8ddbae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingLiabilitiesAtFairValueTextBlock_04ca96f9-3054-42f2-a96a-bdb32ab247d8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfServicingLiabilitiesAtFairValueTextBlock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_ScheduleOfServicingLiabilitiesAtFairValueTextBlock_04ca96f9-3054-42f2-a96a-bdb32ab247d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_ca69b48a-d2fe-44f2-8613-555f2d17dc5b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_ca69b48a-d2fe-44f2-8613-555f2d17dc5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisTextBlock_e0710b0a-4765-4ff5-b9a1-8eb10d9ab893" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e9c7c555-e2bc-40ad-a357-e1e502e5179f" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisTextBlock_e0710b0a-4765-4ff5-b9a1-8eb10d9ab893" 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-20240930.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_206cab75-9ee9-43ee-a9fb-f7e1efdf493f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_413c393e-3f2a-4b18-9e1a-afc266e58291" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_206cab75-9ee9-43ee-a9fb-f7e1efdf493f" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_413c393e-3f2a-4b18-9e1a-afc266e58291" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_9fdb6c02-c33e-43d1-8d23-a6ede23b9ac1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_206cab75-9ee9-43ee-a9fb-f7e1efdf493f" xlink:to="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_9fdb6c02-c33e-43d1-8d23-a6ede23b9ac1" 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-20240930.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_865abcbf-1a67-4ded-a49d-8b340e4c24a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_36ef35cf-feb2-4aae-9219-41787f67dc2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfOtherAssetsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_865abcbf-1a67-4ded-a49d-8b340e4c24a3" xlink:to="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_36ef35cf-feb2-4aae-9219-41787f67dc2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_c8192cd9-e855-4da6-93d6-45adcf9f84b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_865abcbf-1a67-4ded-a49d-8b340e4c24a3" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_c8192cd9-e855-4da6-93d6-45adcf9f84b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock_c685600a-ede7-48d7-91b6-d7ec7bf57a76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_865abcbf-1a67-4ded-a49d-8b340e4c24a3" xlink:to="loc_us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock_c685600a-ede7-48d7-91b6-d7ec7bf57a76" 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-20240930.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_67f6b1e9-1e9d-420a-bfa1-8c79ed928fd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock_e9092ada-2d8d-4d40-8414-9943bbb19675" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_67f6b1e9-1e9d-420a-bfa1-8c79ed928fd3" xlink:to="loc_us-gaap_ScheduleOfDebtTableTextBlock_e9092ada-2d8d-4d40-8414-9943bbb19675" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_06790dd4-4dcb-46dd-b8ac-aef398b5d0a2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_67f6b1e9-1e9d-420a-bfa1-8c79ed928fd3" xlink:to="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_06790dd4-4dcb-46dd-b8ac-aef398b5d0a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtTableTextBlock_6813f1a1-5022-4dc1-8758-ebd10c8023b8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConvertibleDebtTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_67f6b1e9-1e9d-420a-bfa1-8c79ed928fd3" xlink:to="loc_us-gaap_ConvertibleDebtTableTextBlock_6813f1a1-5022-4dc1-8758-ebd10c8023b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfCappedCallsTableTextBlock_5fb64089-1a2a-472f-8f8d-3fc056e2dfc6" xlink:href="upst-20240930.xsd#upst_ScheduleOfCappedCallsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_67f6b1e9-1e9d-420a-bfa1-8c79ed928fd3" xlink:to="loc_upst_ScheduleOfCappedCallsTableTextBlock_5fb64089-1a2a-472f-8f8d-3fc056e2dfc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquityTables" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquityTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquityTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c5d70899-ddfb-4b2a-8cab-58f1c50ca4a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfClassOfStockAndWarrantsOrRightsTableTextBlock_7b92b670-7a9d-4b03-bcce-80e6b54408e0" xlink:href="upst-20240930.xsd#upst_ScheduleOfClassOfStockAndWarrantsOrRightsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c5d70899-ddfb-4b2a-8cab-58f1c50ca4a9" xlink:to="loc_upst_ScheduleOfClassOfStockAndWarrantsOrRightsTableTextBlock_7b92b670-7a9d-4b03-bcce-80e6b54408e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockOptionsRollForwardTableTextBlock_87644472-8074-4ee1-8a5b-0fab96eebaf4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockOptionsRollForwardTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c5d70899-ddfb-4b2a-8cab-58f1c50ca4a9" xlink:to="loc_us-gaap_ScheduleOfStockOptionsRollForwardTableTextBlock_87644472-8074-4ee1-8a5b-0fab96eebaf4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock_e2de4323-58de-4977-ba6c-7a633f7b40c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c5d70899-ddfb-4b2a-8cab-58f1c50ca4a9" xlink:to="loc_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock_e2de4323-58de-4977-ba6c-7a633f7b40c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_9b0f445d-f7fd-4c10-b536-37e3ef0bfc28" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c5d70899-ddfb-4b2a-8cab-58f1c50ca4a9" xlink:to="loc_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_9b0f445d-f7fd-4c10-b536-37e3ef0bfc28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_69e63083-1aeb-42ae-8e5d-06f65cca9dfb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c5d70899-ddfb-4b2a-8cab-58f1c50ca4a9" xlink:to="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_69e63083-1aeb-42ae-8e5d-06f65cca9dfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock_ecb51cc6-1462-49f6-a4ae-bd78a356c355" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c5d70899-ddfb-4b2a-8cab-58f1c50ca4a9" xlink:to="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock_ecb51cc6-1462-49f6-a4ae-bd78a356c355" 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-20240930.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_c5895748-111c-42a4-b1c7-15513131041c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_982a730c-fda4-40fa-a353-2683571e8ef4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_c5895748-111c-42a4-b1c7-15513131041c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_982a730c-fda4-40fa-a353-2683571e8ef4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock_77115805-7364-4177-bbc8-690170224963" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_c5895748-111c-42a4-b1c7-15513131041c" xlink:to="loc_us-gaap_LeaseCostTableTextBlock_77115805-7364-4177-bbc8-690170224963" 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-20240930.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_27f4834b-c305-4ef3-a913-ba39433038da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_16ddeacd-fde8-4301-8b16-25439a41a40e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_27f4834b-c305-4ef3-a913-ba39433038da" xlink:to="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_16ddeacd-fde8-4301-8b16-25439a41a40e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetLossPerShareTables" xlink:type="simple" xlink:href="upst-20240930.xsd#NetLossPerShareTables"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetLossPerShareTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_5c8f42ab-eb8a-474d-9a88-2bb3445274ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_cd39975e-96b8-4f7b-8b05-cb8629d7322f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_5c8f42ab-eb8a-474d-9a88-2bb3445274ba" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_cd39975e-96b8-4f7b-8b05-cb8629d7322f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock_e87d464c-843b-49e1-b510-0000cd6fca5d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_5c8f42ab-eb8a-474d-9a88-2bb3445274ba" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTextBlock_e87d464c-843b-49e1-b510-0000cd6fca5d" 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-20240930.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_AccountingPoliciesAbstract_7949fd64-8e70-43b1-a7bc-031cb665d158" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationTable_acd06daf-b028-426b-8a68-f18ea746d328" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_7949fd64-8e70-43b1-a7bc-031cb665d158" xlink:to="loc_us-gaap_ReclassificationTable_acd06daf-b028-426b-8a68-f18ea746d328" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_38163fec-c97d-4ee1-95f9-04794eddecf5" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RestatementAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationTable_acd06daf-b028-426b-8a68-f18ea746d328" xlink:to="loc_srt_RestatementAxis_38163fec-c97d-4ee1-95f9-04794eddecf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_0334cbc2-0cab-47ec-b7c5-52a82ff7a526" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RestatementDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementAxis_38163fec-c97d-4ee1-95f9-04794eddecf5" xlink:to="loc_srt_RestatementDomain_0334cbc2-0cab-47ec-b7c5-52a82ff7a526" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_1d6aceb0-1a0e-4162-919b-0d13c48639fd" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_0334cbc2-0cab-47ec-b7c5-52a82ff7a526" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_1d6aceb0-1a0e-4162-919b-0d13c48639fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RevisionOfPriorPeriodReclassificationAdjustmentMember_a22dfdb3-f0f3-4bb8-b406-abc2bb1224f5" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RevisionOfPriorPeriodReclassificationAdjustmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_0334cbc2-0cab-47ec-b7c5-52a82ff7a526" xlink:to="loc_srt_RevisionOfPriorPeriodReclassificationAdjustmentMember_a22dfdb3-f0f3-4bb8-b406-abc2bb1224f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationLineItems_cd4a6a18-9dae-40a9-bd26-64b84b6d9bdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationTable_acd06daf-b028-426b-8a68-f18ea746d328" xlink:to="loc_us-gaap_ReclassificationLineItems_cd4a6a18-9dae-40a9-bd26-64b84b6d9bdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInPayableToInvestors_677591b6-21c3-401a-9fd6-09847604678c" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInPayableToInvestors"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationLineItems_cd4a6a18-9dae-40a9-bd26-64b84b6d9bdd" xlink:to="loc_upst_IncreaseDecreaseInPayableToInvestors_677591b6-21c3-401a-9fd6-09847604678c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets_01c5983f-cb32-4546-b22e-359aed7cef37" xlink:href="upst-20240930.xsd#upst_IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationLineItems_cd4a6a18-9dae-40a9-bd26-64b84b6d9bdd" xlink:to="loc_upst_IncreaseDecreaseInPayableToInvestorsForBeneficialInterestAssets_01c5983f-cb32-4546-b22e-359aed7cef37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_dbaf9157-4cd9-48e1-bc0c-fc517ae9f0b8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationLineItems_cd4a6a18-9dae-40a9-bd26-64b84b6d9bdd" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_dbaf9157-4cd9-48e1-bc0c-fc517ae9f0b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RepaymentToInvestors_58c75781-fe68-4d4c-bf63-771854477bc9" xlink:href="upst-20240930.xsd#upst_RepaymentToInvestors"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationLineItems_cd4a6a18-9dae-40a9-bd26-64b84b6d9bdd" xlink:to="loc_upst_RepaymentToInvestors_58c75781-fe68-4d4c-bf63-771854477bc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_838ba5c6-7811-4a40-84ee-6e159fbfeb1f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationLineItems_cd4a6a18-9dae-40a9-bd26-64b84b6d9bdd" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_838ba5c6-7811-4a40-84ee-6e159fbfeb1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueScheduleofDisaggregationofRevenuebyTypeofServiceDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#RevenueScheduleofDisaggregationofRevenuebyTypeofServiceDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueScheduleofDisaggregationofRevenuebyTypeofServiceDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_2e52da7f-2fa9-47e9-bf8f-966cc260fc36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_51881066-7bab-4cfa-a2bb-ed2006a5b570" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_2e52da7f-2fa9-47e9-bf8f-966cc260fc36" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_51881066-7bab-4cfa-a2bb-ed2006a5b570" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_9f5b28ab-8184-41f0-88ca-db8993b34bbc" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_51881066-7bab-4cfa-a2bb-ed2006a5b570" xlink:to="loc_srt_ProductOrServiceAxis_9f5b28ab-8184-41f0-88ca-db8993b34bbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_99985890-0d93-4d85-9b04-319ae70bcc26" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_9f5b28ab-8184-41f0-88ca-db8993b34bbc" xlink:to="loc_srt_ProductsAndServicesDomain_99985890-0d93-4d85-9b04-319ae70bcc26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PlatformAndReferralFeesNetMember_7e23e75d-9606-40f7-bc43-d0d57798aa18" xlink:href="upst-20240930.xsd#upst_PlatformAndReferralFeesNetMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_99985890-0d93-4d85-9b04-319ae70bcc26" xlink:to="loc_upst_PlatformAndReferralFeesNetMember_7e23e75d-9606-40f7-bc43-d0d57798aa18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingFeesNetMember_b4a13704-1cc1-48ff-a4b8-0bb71acca401" xlink:href="upst-20240930.xsd#upst_ServicingFeesNetMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_99985890-0d93-4d85-9b04-319ae70bcc26" xlink:to="loc_upst_ServicingFeesNetMember_b4a13704-1cc1-48ff-a4b8-0bb71acca401" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_d7af3f52-c652-4718-8588-7e21b7567020" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_51881066-7bab-4cfa-a2bb-ed2006a5b570" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_d7af3f52-c652-4718-8588-7e21b7567020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RevenueFromFeesNet_94fc3cc2-93d2-424c-aa6b-785200af835f" xlink:href="upst-20240930.xsd#upst_RevenueFromFeesNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d7af3f52-c652-4718-8588-7e21b7567020" xlink:to="loc_upst_RevenueFromFeesNet_94fc3cc2-93d2-424c-aa6b-785200af835f" 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-20240930.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_2ecd62cc-e9e3-4e24-a9bf-64fe669cfa29" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_7643eba8-cddd-4b90-bf94-ef37237619fc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_2ecd62cc-e9e3-4e24-a9bf-64fe669cfa29" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_7643eba8-cddd-4b90-bf94-ef37237619fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_c59230e2-a1e1-4d35-b2eb-4f5c43dc9ce2" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_7643eba8-cddd-4b90-bf94-ef37237619fc" xlink:to="loc_srt_ProductOrServiceAxis_c59230e2-a1e1-4d35-b2eb-4f5c43dc9ce2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_043c99c2-e2b9-4970-99cc-b76e086ab275" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_c59230e2-a1e1-4d35-b2eb-4f5c43dc9ce2" xlink:to="loc_srt_ProductsAndServicesDomain_043c99c2-e2b9-4970-99cc-b76e086ab275" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PlatformAndReferralFeesNetMember_09ef472b-f488-43d9-8973-5a3ce7795c9e" xlink:href="upst-20240930.xsd#upst_PlatformAndReferralFeesNetMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_043c99c2-e2b9-4970-99cc-b76e086ab275" xlink:to="loc_upst_PlatformAndReferralFeesNetMember_09ef472b-f488-43d9-8973-5a3ce7795c9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SubscriptionFeeMember_5145c407-c1ec-49c4-9334-b95f4291ebfa" xlink:href="upst-20240930.xsd#upst_SubscriptionFeeMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_043c99c2-e2b9-4970-99cc-b76e086ab275" xlink:to="loc_upst_SubscriptionFeeMember_5145c407-c1ec-49c4-9334-b95f4291ebfa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_9ad25a33-1a92-40fb-8bf0-3eac050d18cf" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_7643eba8-cddd-4b90-bf94-ef37237619fc" xlink:to="loc_srt_RangeAxis_9ad25a33-1a92-40fb-8bf0-3eac050d18cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_e34d2ebd-c42e-4420-bfca-5ea6ce6561c4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_9ad25a33-1a92-40fb-8bf0-3eac050d18cf" xlink:to="loc_srt_RangeMember_e34d2ebd-c42e-4420-bfca-5ea6ce6561c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_82612d6d-ac51-4606-8126-3a7d9bf10a5e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_e34d2ebd-c42e-4420-bfca-5ea6ce6561c4" xlink:to="loc_srt_MinimumMember_82612d6d-ac51-4606-8126-3a7d9bf10a5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_7c549e95-3905-416d-ac86-35539cb9e2e3" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_e34d2ebd-c42e-4420-bfca-5ea6ce6561c4" xlink:to="loc_srt_MaximumMember_7c549e95-3905-416d-ac86-35539cb9e2e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9fe8cca4-39c5-4329-a3d8-a76da4ac0126" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_7643eba8-cddd-4b90-bf94-ef37237619fc" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9fe8cca4-39c5-4329-a3d8-a76da4ac0126" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5046fc57-5077-442d-a922-c1fa21749865" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9fe8cca4-39c5-4329-a3d8-a76da4ac0126" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5046fc57-5077-442d-a922-c1fa21749865" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_d9e17ff6-1afe-40ea-bc8e-b141a0382032" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5046fc57-5077-442d-a922-c1fa21749865" xlink:to="loc_us-gaap_HomeEquityMember_d9e17ff6-1afe-40ea-bc8e-b141a0382032" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_7643eba8-cddd-4b90-bf94-ef37237619fc" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanPremiumFeesAndLoanTrailingFees_84cb8a9d-32e5-4b09-aea8-6a2a2cf57b3d" xlink:href="upst-20240930.xsd#upst_LoanPremiumFeesAndLoanTrailingFees"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_upst_LoanPremiumFeesAndLoanTrailingFees_84cb8a9d-32e5-4b09-aea8-6a2a2cf57b3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilitiesFairValueDisclosure_e16eb884-e90b-4a45-a461-52a466aeb0d8" xlink:href="upst-20240930.xsd#upst_TrailingFeeLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_upst_TrailingFeeLiabilitiesFairValueDisclosure_e16eb884-e90b-4a45-a461-52a466aeb0d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SubscriptionAgreementsTerm_1374f0f1-69da-45e7-8c48-d19a1c4bb028" xlink:href="upst-20240930.xsd#upst_SubscriptionAgreementsTerm"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_upst_SubscriptionAgreementsTerm_1374f0f1-69da-45e7-8c48-d19a1c4bb028" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_fad7a1f5-f8b1-4a54-9611-f8548e1f30b7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_fad7a1f5-f8b1-4a54-9611-f8548e1f30b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_8d729392-882a-4c6e-86b1-8a0fe4401cd8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedFeesAndOtherRevenueReceivable"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_8d729392-882a-4c6e-86b1-8a0fe4401cd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedContractCostAmortizationPeriod_cd46b8c3-6eae-4bb1-a405-6f91cd976e01" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalizedContractCostAmortizationPeriod"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_us-gaap_CapitalizedContractCostAmortizationPeriod_cd46b8c3-6eae-4bb1-a405-6f91cd976e01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedContractCostNet_a3363de0-7937-4ca5-b03b-659335cc1b06" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalizedContractCostNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_us-gaap_CapitalizedContractCostNet_a3363de0-7937-4ca5-b03b-659335cc1b06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableThresholdPeriodPastDue_ac51b98e-308a-4874-9056-af6582070656" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableThresholdPeriodPastDue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_us-gaap_FinancingReceivableThresholdPeriodPastDue_ac51b98e-308a-4874-9056-af6582070656" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_0647e167-99f4-46d8-a08e-44ab209a1d75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_0647e167-99f4-46d8-a08e-44ab209a1d75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRecoveriesOfLoanPreviouslyChargedOff_0a94f69b-45a2-441f-b104-e1564fea8c5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromRecoveriesOfLoanPreviouslyChargedOff"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_dd554564-4b58-47bc-b32f-2f13119a7260" xlink:to="loc_us-gaap_ProceedsFromRecoveriesOfLoanPreviouslyChargedOff_0a94f69b-45a2-441f-b104-e1564fea8c5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueScheduleofCustomersAccountingforGreaterThan10ofAccountsReceivableDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#RevenueScheduleofCustomersAccountingforGreaterThan10ofAccountsReceivableDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueScheduleofCustomersAccountingforGreaterThan10ofAccountsReceivableDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_da39d587-db59-420e-ad67-06a7411d50a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_d84e981e-ee52-41cb-bfe1-142c7d752314" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_da39d587-db59-420e-ad67-06a7411d50a9" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_d84e981e-ee52-41cb-bfe1-142c7d752314" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_485e22af-66b8-4a7c-964f-1e1d7fb4758f" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MajorCustomersAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_d84e981e-ee52-41cb-bfe1-142c7d752314" xlink:to="loc_srt_MajorCustomersAxis_485e22af-66b8-4a7c-964f-1e1d7fb4758f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_57154797-d964-421c-a7ec-9815f1c6463c" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MajorCustomersAxis_485e22af-66b8-4a7c-964f-1e1d7fb4758f" xlink:to="loc_srt_NameOfMajorCustomerDomain_57154797-d964-421c-a7ec-9815f1c6463c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerAMember_d97e4a20-2f0a-4689-abfb-d89512c2cd22" xlink:href="upst-20240930.xsd#upst_CustomerAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_57154797-d964-421c-a7ec-9815f1c6463c" xlink:to="loc_upst_CustomerAMember_d97e4a20-2f0a-4689-abfb-d89512c2cd22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerBMember_cb3ef72e-486a-4331-b335-d0b54d1bf846" xlink:href="upst-20240930.xsd#upst_CustomerBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_57154797-d964-421c-a7ec-9815f1c6463c" xlink:to="loc_upst_CustomerBMember_cb3ef72e-486a-4331-b335-d0b54d1bf846" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerCMember_3256f942-70df-4c1a-8ca5-851397409d96" xlink:href="upst-20240930.xsd#upst_CustomerCMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_57154797-d964-421c-a7ec-9815f1c6463c" xlink:to="loc_upst_CustomerCMember_3256f942-70df-4c1a-8ca5-851397409d96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerDMember_c50531a6-4719-4007-a35d-20a2c039c5bf" xlink:href="upst-20240930.xsd#upst_CustomerDMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_57154797-d964-421c-a7ec-9815f1c6463c" xlink:to="loc_upst_CustomerDMember_c50531a6-4719-4007-a35d-20a2c039c5bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_743969e1-1886-4831-8a10-7ce3a01fdd4b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_d84e981e-ee52-41cb-bfe1-142c7d752314" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_743969e1-1886-4831-8a10-7ce3a01fdd4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_d6228518-9644-45d8-a46a-74bc2d0cca39" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_743969e1-1886-4831-8a10-7ce3a01fdd4b" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_d6228518-9644-45d8-a46a-74bc2d0cca39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesRevenueNetMember_85e998c4-fdf1-4b2a-b20e-23ef379c7751" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SalesRevenueNetMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_d6228518-9644-45d8-a46a-74bc2d0cca39" xlink:to="loc_us-gaap_SalesRevenueNetMember_85e998c4-fdf1-4b2a-b20e-23ef379c7751" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableMember_098440b6-4ef7-47bc-9bfa-810ee3cd3607" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_d6228518-9644-45d8-a46a-74bc2d0cca39" xlink:to="loc_us-gaap_AccountsReceivableMember_098440b6-4ef7-47bc-9bfa-810ee3cd3607" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_fa7acd95-c26b-473c-ae87-610b0f9941a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_d84e981e-ee52-41cb-bfe1-142c7d752314" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_fa7acd95-c26b-473c-ae87-610b0f9941a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_a05a155f-ef8b-467a-a8c9-ef0f959223fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_fa7acd95-c26b-473c-ae87-610b0f9941a5" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_a05a155f-ef8b-467a-a8c9-ef0f959223fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerConcentrationRiskMember_5b9f5b5c-dbeb-4084-893b-09bc4d05cf71" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CustomerConcentrationRiskMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_a05a155f-ef8b-467a-a8c9-ef0f959223fd" xlink:to="loc_us-gaap_CustomerConcentrationRiskMember_5b9f5b5c-dbeb-4084-893b-09bc4d05cf71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_8834be30-356e-47e6-ae6b-51bff19a12f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_d84e981e-ee52-41cb-bfe1-142c7d752314" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_8834be30-356e-47e6-ae6b-51bff19a12f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_38513ede-36c8-405d-b1fb-89f81ab105b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_8834be30-356e-47e6-ae6b-51bff19a12f6" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_38513ede-36c8-405d-b1fb-89f81ab105b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueScheduleofCollectionAgencyandBorrowerFeesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#RevenueScheduleofCollectionAgencyandBorrowerFeesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueScheduleofCollectionAgencyandBorrowerFeesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_05da13ab-caea-4a79-baa3-22d053020f38" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_f3dedaa2-ef01-40ca-b415-6324760f544b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_05da13ab-caea-4a79-baa3-22d053020f38" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_f3dedaa2-ef01-40ca-b415-6324760f544b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_2be5aaf1-73de-40ca-be44-a040776cdfd5" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_f3dedaa2-ef01-40ca-b415-6324760f544b" xlink:to="loc_srt_ProductOrServiceAxis_2be5aaf1-73de-40ca-be44-a040776cdfd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_561dd92d-7a91-466f-af3f-b3f6fe58c92a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_2be5aaf1-73de-40ca-be44-a040776cdfd5" xlink:to="loc_srt_ProductsAndServicesDomain_561dd92d-7a91-466f-af3f-b3f6fe58c92a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingFeesMember_7b950f8c-a328-4aab-bdae-d3ea027f6b43" xlink:href="upst-20240930.xsd#upst_ServicingFeesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_561dd92d-7a91-466f-af3f-b3f6fe58c92a" xlink:to="loc_upst_ServicingFeesMember_7b950f8c-a328-4aab-bdae-d3ea027f6b43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BorrowerFeesMember_6e5c9105-f35b-4c8f-af4e-41e5a443f9c7" xlink:href="upst-20240930.xsd#upst_BorrowerFeesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_561dd92d-7a91-466f-af3f-b3f6fe58c92a" xlink:to="loc_upst_BorrowerFeesMember_6e5c9105-f35b-4c8f-af4e-41e5a443f9c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CollectionAgencyFeesMember_bceabea3-1bb6-4a40-9ff3-9b63ed7f579c" xlink:href="upst-20240930.xsd#upst_CollectionAgencyFeesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_561dd92d-7a91-466f-af3f-b3f6fe58c92a" xlink:to="loc_upst_CollectionAgencyFeesMember_bceabea3-1bb6-4a40-9ff3-9b63ed7f579c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_OtherFeesMember_0849b3e7-6bae-408e-a877-7715ebede212" xlink:href="upst-20240930.xsd#upst_OtherFeesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_561dd92d-7a91-466f-af3f-b3f6fe58c92a" xlink:to="loc_upst_OtherFeesMember_0849b3e7-6bae-408e-a877-7715ebede212" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingFeesNetMember_38b7e2db-d7cd-4587-9a2f-4cea93df5fc8" xlink:href="upst-20240930.xsd#upst_ServicingFeesNetMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_561dd92d-7a91-466f-af3f-b3f6fe58c92a" xlink:to="loc_upst_ServicingFeesNetMember_38b7e2db-d7cd-4587-9a2f-4cea93df5fc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_0ec4c7d3-c955-438a-b4e2-ebb6ff94600a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_f3dedaa2-ef01-40ca-b415-6324760f544b" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_0ec4c7d3-c955-438a-b4e2-ebb6ff94600a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RevenueFromFeesNet_1ff2762d-4913-47f1-be1a-5627904ef8f4" xlink:href="upst-20240930.xsd#upst_RevenueFromFeesNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_0ec4c7d3-c955-438a-b4e2-ebb6ff94600a" xlink:to="loc_upst_RevenueFromFeesNet_1ff2762d-4913-47f1-be1a-5627904ef8f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_GainLossOnServicingRightsAndFairValueAdjustments_02ad4ce4-cc15-4dda-b6f4-64892feaaab4" xlink:href="upst-20240930.xsd#upst_GainLossOnServicingRightsAndFairValueAdjustments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_0ec4c7d3-c955-438a-b4e2-ebb6ff94600a" xlink:to="loc_upst_GainLossOnServicingRightsAndFairValueAdjustments_02ad4ce4-cc15-4dda-b6f4-64892feaaab4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/RevenueScheduleofComponentsofInterestIncomeandFairValueAdjustmentsNetDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#RevenueScheduleofComponentsofInterestIncomeandFairValueAdjustmentsNetDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/RevenueScheduleofComponentsofInterestIncomeandFairValueAdjustmentsNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_82312200-b416-4245-a10d-44ee654a0762" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_5788da64-edba-4590-ae09-19e28ba7a386" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_82312200-b416-4245-a10d-44ee654a0762" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_5788da64-edba-4590-ae09-19e28ba7a386" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_7431abc8-a361-415e-a071-4a794f235d39" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_5788da64-edba-4590-ae09-19e28ba7a386" xlink:to="loc_srt_ConsolidatedEntitiesAxis_7431abc8-a361-415e-a071-4a794f235d39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_635a7781-885a-4f5b-b79e-e8e81d83bada" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7431abc8-a361-415e-a071-4a794f235d39" xlink:to="loc_srt_ConsolidatedEntitiesDomain_635a7781-885a-4f5b-b79e-e8e81d83bada" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_8b301fa1-a397-4b40-afb1-dc25c5206cf2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_635a7781-885a-4f5b-b79e-e8e81d83bada" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_8b301fa1-a397-4b40-afb1-dc25c5206cf2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_5788da64-edba-4590-ae09-19e28ba7a386" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating_76655893-b364-4447-a5a0-762ebee241c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeOperating"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:to="loc_us-gaap_InterestIncomeOperating_76655893-b364-4447-a5a0-762ebee241c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_9916cfae-28e9-4b3c-9780-60864a1bd4db" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:to="loc_us-gaap_InterestExpenseOperating_9916cfae-28e9-4b3c-9780-60864a1bd4db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet_aabb3f5c-0451-4ea3-9464-98d894c5641c" xlink:href="upst-20240930.xsd#upst_UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:to="loc_upst_UnrealizedGainLossChargeOffsAndOtherFairValueAdjustmentsNet_aabb3f5c-0451-4ea3-9464-98d894c5641c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RealizedGainLossOnTransferOfLoansNet_716a2cfe-0dd0-4003-804b-90d453d69c97" xlink:href="upst-20240930.xsd#upst_RealizedGainLossOnTransferOfLoansNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:to="loc_upst_RealizedGainLossOnTransferOfLoansNet_716a2cfe-0dd0-4003-804b-90d453d69c97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_GainLossOnBeneficialInterests_988e3177-c9a0-4c10-b868-12055a182936" xlink:href="upst-20240930.xsd#upst_GainLossOnBeneficialInterests"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:to="loc_upst_GainLossOnBeneficialInterests_988e3177-c9a0-4c10-b868-12055a182936" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueAndOtherAdjustmentsNet_ac7d5e81-0b8e-44ea-acb2-45f07c14c4d5" xlink:href="upst-20240930.xsd#upst_FairValueAndOtherAdjustmentsNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:to="loc_upst_FairValueAndOtherAdjustmentsNet_ac7d5e81-0b8e-44ea-acb2-45f07c14c4d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_InterestIncomeAndFairValueAdjustmentNet_42b744b2-73c3-460d-a01f-3b394fdc63c5" xlink:href="upst-20240930.xsd#upst_InterestIncomeAndFairValueAdjustmentNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_d5b7456f-d6da-45f2-8bcc-5fc1202f7fdb" xlink:to="loc_upst_InterestIncomeAndFairValueAdjustmentNet_42b744b2-73c3-460d-a01f-3b394fdc63c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/VariableInterestEntitiesScheduleofFinancialAssetsandLiabilitiesfromVariableInterestEntitiesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#VariableInterestEntitiesScheduleofFinancialAssetsandLiabilitiesfromVariableInterestEntitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/VariableInterestEntitiesScheduleofFinancialAssetsandLiabilitiesfromVariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_bafe1264-a811-4d55-8096-8fb73d3e07b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_6fd9951d-4e69-468e-853b-bb43727d78d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_bafe1264-a811-4d55-8096-8fb73d3e07b6" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_6fd9951d-4e69-468e-853b-bb43727d78d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_0ed46f00-c705-4d78-9960-a7e5090237f8" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_6fd9951d-4e69-468e-853b-bb43727d78d9" xlink:to="loc_srt_ConsolidatedEntitiesAxis_0ed46f00-c705-4d78-9960-a7e5090237f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_fc7c7e1b-a8b8-4394-9e63-5f9466f30b1b" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_0ed46f00-c705-4d78-9960-a7e5090237f8" xlink:to="loc_srt_ConsolidatedEntitiesDomain_fc7c7e1b-a8b8-4394-9e63-5f9466f30b1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_0b890983-c983-44e6-8043-a2a1ff35f670" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_fc7c7e1b-a8b8-4394-9e63-5f9466f30b1b" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_0b890983-c983-44e6-8043-a2a1ff35f670" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_9e7a3f91-dd89-446c-a6ce-7b43c40245dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_fc7c7e1b-a8b8-4394-9e63-5f9466f30b1b" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_9e7a3f91-dd89-446c-a6ce-7b43c40245dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_49e7369d-3060-44a6-841d-0803ec47b8be" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CounterpartyNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_6fd9951d-4e69-468e-853b-bb43727d78d9" xlink:to="loc_srt_CounterpartyNameAxis_49e7369d-3060-44a6-841d-0803ec47b8be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_5f709464-c3bf-4f96-b7d9-89eea7bdc321" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CounterpartyNameAxis_49e7369d-3060-44a6-841d-0803ec47b8be" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_5f709464-c3bf-4f96-b7d9-89eea7bdc321" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConsolidatedSecuritizationMember_903e77e6-d150-49cd-9421-1276fc206c2c" xlink:href="upst-20240930.xsd#upst_ConsolidatedSecuritizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_5f709464-c3bf-4f96-b7d9-89eea7bdc321" xlink:to="loc_upst_ConsolidatedSecuritizationMember_903e77e6-d150-49cd-9421-1276fc206c2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConsolidatedWarehouseEntitiesMember_66c982aa-8bd7-4c2c-b70e-592c3c0338ea" xlink:href="upst-20240930.xsd#upst_ConsolidatedWarehouseEntitiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_5f709464-c3bf-4f96-b7d9-89eea7bdc321" xlink:to="loc_upst_ConsolidatedWarehouseEntitiesMember_66c982aa-8bd7-4c2c-b70e-592c3c0338ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_OtherVariableInterestEntitiesMember_75ab1bcf-930c-4bba-bfa3-070048937c38" xlink:href="upst-20240930.xsd#upst_OtherVariableInterestEntitiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_5f709464-c3bf-4f96-b7d9-89eea7bdc321" xlink:to="loc_upst_OtherVariableInterestEntitiesMember_75ab1bcf-930c-4bba-bfa3-070048937c38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SecuritizationsMember_935f45ad-5159-4e58-9f62-9f7af7f9ab3f" xlink:href="upst-20240930.xsd#upst_SecuritizationsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_5f709464-c3bf-4f96-b7d9-89eea7bdc321" xlink:to="loc_upst_SecuritizationsMember_935f45ad-5159-4e58-9f62-9f7af7f9ab3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_a7c08884-6ff2-4811-8357-8c7807865bfd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_6fd9951d-4e69-468e-853b-bb43727d78d9" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_a7c08884-6ff2-4811-8357-8c7807865bfd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_414936dd-0b7b-4718-ad8b-aaf6c2546a94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_a7c08884-6ff2-4811-8357-8c7807865bfd" xlink:to="loc_us-gaap_Assets_414936dd-0b7b-4718-ad8b-aaf6c2546a94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_4d57264e-e8a4-4736-88b8-372c7353621f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_a7c08884-6ff2-4811-8357-8c7807865bfd" xlink:to="loc_us-gaap_Liabilities_4d57264e-e8a4-4736-88b8-372c7353621f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_e8526dc6-11d7-4aba-97ed-d57635411f31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_a7c08884-6ff2-4811-8357-8c7807865bfd" xlink:to="loc_us-gaap_StockholdersEquity_e8526dc6-11d7-4aba-97ed-d57635411f31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_7f2e2b5d-0bf0-4bb1-8f45-ba32e9fcccc2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_a7c08884-6ff2-4811-8357-8c7807865bfd" xlink:to="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_7f2e2b5d-0bf0-4bb1-8f45-ba32e9fcccc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/VariableInterestEntitiesNarrativeDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#VariableInterestEntitiesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/VariableInterestEntitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_0a739c67-358d-43c0-b30d-9329ba7b7def" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1b497095-ccdc-41f7-ae81-72f3d95c6931" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_0a739c67-358d-43c0-b30d-9329ba7b7def" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1b497095-ccdc-41f7-ae81-72f3d95c6931" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_020efd3f-3cfa-43bf-984d-8eddce92e83c" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1b497095-ccdc-41f7-ae81-72f3d95c6931" xlink:to="loc_srt_ConsolidatedEntitiesAxis_020efd3f-3cfa-43bf-984d-8eddce92e83c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_bf593f8a-6838-4139-94cf-4d62295d0962" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_020efd3f-3cfa-43bf-984d-8eddce92e83c" xlink:to="loc_srt_ConsolidatedEntitiesDomain_bf593f8a-6838-4139-94cf-4d62295d0962" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_c9d83341-8c1c-43da-a4c4-5f9b49521f3b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_bf593f8a-6838-4139-94cf-4d62295d0962" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_c9d83341-8c1c-43da-a4c4-5f9b49521f3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_08e74a9a-091e-4fcc-9c4a-2fa0422c77d8" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CounterpartyNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1b497095-ccdc-41f7-ae81-72f3d95c6931" xlink:to="loc_srt_CounterpartyNameAxis_08e74a9a-091e-4fcc-9c4a-2fa0422c77d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_94648755-3d21-4fbe-8a75-c3311bdfe125" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CounterpartyNameAxis_08e74a9a-091e-4fcc-9c4a-2fa0422c77d8" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_94648755-3d21-4fbe-8a75-c3311bdfe125" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConsolidatedSecuritizationMember_37c51bbd-4ed0-4bbd-8ad3-6c8f1cecdfe6" xlink:href="upst-20240930.xsd#upst_ConsolidatedSecuritizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_94648755-3d21-4fbe-8a75-c3311bdfe125" xlink:to="loc_upst_ConsolidatedSecuritizationMember_37c51bbd-4ed0-4bbd-8ad3-6c8f1cecdfe6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_bb59d3b1-158d-41ea-849b-a1d3fb459d63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1b497095-ccdc-41f7-ae81-72f3d95c6931" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_bb59d3b1-158d-41ea-849b-a1d3fb459d63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_6e4bdd68-4ce9-4619-bc1b-58921170dc1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_bb59d3b1-158d-41ea-849b-a1d3fb459d63" xlink:to="loc_us-gaap_ReceivableTypeDomain_6e4bdd68-4ce9-4619-bc1b-58921170dc1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NotesReceivableAndResidualCertificatesMember_465a91a2-be6e-4fcb-a7d0-04b17bdefcc8" xlink:href="upst-20240930.xsd#upst_NotesReceivableAndResidualCertificatesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_6e4bdd68-4ce9-4619-bc1b-58921170dc1e" xlink:to="loc_upst_NotesReceivableAndResidualCertificatesMember_465a91a2-be6e-4fcb-a7d0-04b17bdefcc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1b497095-ccdc-41f7-ae81-72f3d95c6931" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMaximumLossExposureAmount_2e4dab55-0456-4c20-933d-1706fc04e5ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMaximumLossExposureAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMaximumLossExposureAmount_2e4dab55-0456-4c20-933d-1706fc04e5ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SeniorSecuritizedLoansWeightedAverageCouponRate_2d91e8d8-96f9-442e-9586-929238104c4f" xlink:href="upst-20240930.xsd#upst_SeniorSecuritizedLoansWeightedAverageCouponRate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:to="loc_upst_SeniorSecuritizedLoansWeightedAverageCouponRate_2d91e8d8-96f9-442e-9586-929238104c4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromAccountsReceivableSecuritization_ea455a4e-ebcf-4ed7-9cbd-c7dbf6222512" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromAccountsReceivableSecuritization"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:to="loc_us-gaap_ProceedsFromAccountsReceivableSecuritization_ea455a4e-ebcf-4ed7-9cbd-c7dbf6222512" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_VariableInterestEntityQualitativeOrQuantitativeInformationNumberOfVariableInterestEntity_c439f94c-4e23-446e-b20f-e39cf1d6cc61" xlink:href="upst-20240930.xsd#upst_VariableInterestEntityQualitativeOrQuantitativeInformationNumberOfVariableInterestEntity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:to="loc_upst_VariableInterestEntityQualitativeOrQuantitativeInformationNumberOfVariableInterestEntity_c439f94c-4e23-446e-b20f-e39cf1d6cc61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_efc73926-5425-4aba-af08-34c2db565df2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:to="loc_us-gaap_NotesReceivableNet_efc73926-5425-4aba-af08-34c2db565df2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_4634e00c-5f16-4320-ac20-09abdd587126" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_17256c1d-ec1d-4b49-aa20-07a3bf46f34b" xlink:to="loc_us-gaap_RestrictedCash_4634e00c-5f16-4320-ac20-09abdd587126" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#DerivativeFinancialInstrumentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_3c3125b0-3c69-42b5-afa9-866597809e07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_f14f7386-d254-49c6-99e6-0d1f9b6aa523" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_3c3125b0-3c69-42b5-afa9-866597809e07" xlink:to="loc_us-gaap_DerivativeTable_f14f7386-d254-49c6-99e6-0d1f9b6aa523" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_f059594b-02c2-42fb-8bb5-eb46d1b0dadf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_f14f7386-d254-49c6-99e6-0d1f9b6aa523" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_f059594b-02c2-42fb-8bb5-eb46d1b0dadf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_4130041a-42f4-494d-9db4-da2aa6257b90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_f059594b-02c2-42fb-8bb5-eb46d1b0dadf" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_4130041a-42f4-494d-9db4-da2aa6257b90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_748df5f0-ce0b-4d41-8397-16e9b21eb004" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateCapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_4130041a-42f4-494d-9db4-da2aa6257b90" xlink:to="loc_us-gaap_InterestRateCapMember_748df5f0-ce0b-4d41-8397-16e9b21eb004" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_8f3d4669-0238-4a6a-8e3d-06a0a9d8ec6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_f14f7386-d254-49c6-99e6-0d1f9b6aa523" xlink:to="loc_us-gaap_DerivativeLineItems_8f3d4669-0238-4a6a-8e3d-06a0a9d8ec6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCapInterestRate_c67cfcf7-fa85-4ea8-9d13-8f02cfc2f35c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeCapInterestRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_8f3d4669-0238-4a6a-8e3d-06a0a9d8ec6f" xlink:to="loc_us-gaap_DerivativeCapInterestRate_c67cfcf7-fa85-4ea8-9d13-8f02cfc2f35c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_85a44325-f38f-4e28-ad8c-387b4f613ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_8f3d4669-0238-4a6a-8e3d-06a0a9d8ec6f" xlink:to="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_85a44325-f38f-4e28-ad8c-387b4f613ea1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/DerivativeFinancialInstrumentsScheduleOfGainsLossesRecognizedOnDerivativeInstrumentsNotDesignatedAsHedgingInstrumentsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#DerivativeFinancialInstrumentsScheduleOfGainsLossesRecognizedOnDerivativeInstrumentsNotDesignatedAsHedgingInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/DerivativeFinancialInstrumentsScheduleOfGainsLossesRecognizedOnDerivativeInstrumentsNotDesignatedAsHedgingInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e4c585c9-8356-42e7-b204-099365ea14ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_c7ccb8a3-7618-46a5-93f2-4d4f9a2c9bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e4c585c9-8356-42e7-b204-099365ea14ce" xlink:to="loc_us-gaap_DerivativeTable_c7ccb8a3-7618-46a5-93f2-4d4f9a2c9bc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_09dbf5d1-009a-41b6-a248-3abfd9ecf140" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_c7ccb8a3-7618-46a5-93f2-4d4f9a2c9bc2" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_09dbf5d1-009a-41b6-a248-3abfd9ecf140" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_2d6911cf-8552-4418-a359-0737c352ed90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_09dbf5d1-009a-41b6-a248-3abfd9ecf140" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_2d6911cf-8552-4418-a359-0737c352ed90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_f5e39610-a6d9-4f14-8e12-facc0b0b4e96" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateCapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_2d6911cf-8552-4418-a359-0737c352ed90" xlink:to="loc_us-gaap_InterestRateCapMember_f5e39610-a6d9-4f14-8e12-facc0b0b4e96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_acd79be5-547e-4a7f-8af1-fdb75d63df7f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_c7ccb8a3-7618-46a5-93f2-4d4f9a2c9bc2" xlink:to="loc_us-gaap_DerivativeLineItems_acd79be5-547e-4a7f-8af1-fdb75d63df7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_2398e686-7476-4b3f-a8f3-a779f79bef7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_acd79be5-547e-4a7f-8af1-fdb75d63df7f" xlink:to="loc_us-gaap_DerivativeNotionalAmount_2398e686-7476-4b3f-a8f3-a779f79bef7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_62db4901-f995-4ef3-880f-c6165c7cec38" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_acd79be5-547e-4a7f-8af1-fdb75d63df7f" xlink:to="loc_us-gaap_DerivativeAssets_62db4901-f995-4ef3-880f-c6165c7cec38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BeneficialInterestsMaximumExposuretoLossesbyAssetTypeDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BeneficialInterestsMaximumExposuretoLossesbyAssetTypeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BeneficialInterestsMaximumExposuretoLossesbyAssetTypeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsAbstract_ff1c2d66-6c6b-406b-99bf-9bd2d3ec5b3e" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBeneficialInterestTable_668a5192-d9ee-4643-9121-61ae12564350" xlink:href="upst-20240930.xsd#upst_ScheduleOfBeneficialInterestTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_BeneficialInterestsAbstract_ff1c2d66-6c6b-406b-99bf-9bd2d3ec5b3e" xlink:to="loc_upst_ScheduleOfBeneficialInterestTable_668a5192-d9ee-4643-9121-61ae12564350" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_2de2b80c-c72f-497c-9440-a598e9dcaabd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestTable_668a5192-d9ee-4643-9121-61ae12564350" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_2de2b80c-c72f-497c-9440-a598e9dcaabd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_21ada277-9eef-4df2-9be7-ae78de3629f2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_2de2b80c-c72f-497c-9440-a598e9dcaabd" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_21ada277-9eef-4df2-9be7-ae78de3629f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_ffe5f43e-6838-4471-9f80-cd7d878c416d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_21ada277-9eef-4df2-9be7-ae78de3629f2" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_ffe5f43e-6838-4471-9f80-cd7d878c416d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RestrictedCashMember_36282ac3-1280-4651-b65f-967fd53541bb" xlink:href="upst-20240930.xsd#upst_RestrictedCashMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_21ada277-9eef-4df2-9be7-ae78de3629f2" xlink:to="loc_upst_RestrictedCashMember_36282ac3-1280-4651-b65f-967fd53541bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsNetMember_a625b173-a64c-4b8e-acc8-ad8b719a12e1" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsNetMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_21ada277-9eef-4df2-9be7-ae78de3629f2" xlink:to="loc_upst_BeneficialInterestsNetMember_a625b173-a64c-4b8e-acc8-ad8b719a12e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMember_ddba4a17-de7e-491c-a5c8-872473bbdf1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_21ada277-9eef-4df2-9be7-ae78de3629f2" xlink:to="loc_us-gaap_OtherAssetsMember_ddba4a17-de7e-491c-a5c8-872473bbdf1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBeneficialInterestLineItems_96bbf181-411f-4026-b263-28abe6fabbfc" xlink:href="upst-20240930.xsd#upst_ScheduleOfBeneficialInterestLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestTable_668a5192-d9ee-4643-9121-61ae12564350" xlink:to="loc_upst_ScheduleOfBeneficialInterestLineItems_96bbf181-411f-4026-b263-28abe6fabbfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsMaximumLossExposure_771bae3c-ba02-44e2-a982-857dcc099569" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsMaximumLossExposure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestLineItems_96bbf181-411f-4026-b263-28abe6fabbfc" xlink:to="loc_upst_BeneficialInterestsMaximumLossExposure_771bae3c-ba02-44e2-a982-857dcc099569" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BeneficialInterestsScheduleofBeneficialInterestLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BeneficialInterestsScheduleofBeneficialInterestLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BeneficialInterestsScheduleofBeneficialInterestLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsAbstract_73710290-e221-427b-abf8-d22b6e188fc3" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBeneficialInterestTable_5c95448b-9caf-4fa7-9ef0-e1d6fd712bc4" xlink:href="upst-20240930.xsd#upst_ScheduleOfBeneficialInterestTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_BeneficialInterestsAbstract_73710290-e221-427b-abf8-d22b6e188fc3" xlink:to="loc_upst_ScheduleOfBeneficialInterestTable_5c95448b-9caf-4fa7-9ef0-e1d6fd712bc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_bd0b52cd-dd39-4aaf-8722-8ee8d24f242a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestTable_5c95448b-9caf-4fa7-9ef0-e1d6fd712bc4" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_bd0b52cd-dd39-4aaf-8722-8ee8d24f242a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_1dc5a08f-30f7-4c3f-909a-e493b84ac2db" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_bd0b52cd-dd39-4aaf-8722-8ee8d24f242a" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_1dc5a08f-30f7-4c3f-909a-e493b84ac2db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsNetMember_4628ddd3-3f9d-4260-9407-70cb8f7187a7" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsNetMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_1dc5a08f-30f7-4c3f-909a-e493b84ac2db" xlink:to="loc_upst_BeneficialInterestsNetMember_4628ddd3-3f9d-4260-9407-70cb8f7187a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_0a28dbe7-e66b-406d-b80a-423a80e610c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_1dc5a08f-30f7-4c3f-909a-e493b84ac2db" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_0a28dbe7-e66b-406d-b80a-423a80e610c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RestrictedCashMember_47eac20b-2177-4a0c-9a85-1af0f1897f83" xlink:href="upst-20240930.xsd#upst_RestrictedCashMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_1dc5a08f-30f7-4c3f-909a-e493b84ac2db" xlink:to="loc_upst_RestrictedCashMember_47eac20b-2177-4a0c-9a85-1af0f1897f83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMember_4d9bef6a-17bd-4d88-945a-689849bb91e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_1dc5a08f-30f7-4c3f-909a-e493b84ac2db" xlink:to="loc_us-gaap_OtherAssetsMember_4d9bef6a-17bd-4d88-945a-689849bb91e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBeneficialInterestLineItems_f14591fd-fba8-433e-880f-a9951cf22483" xlink:href="upst-20240930.xsd#upst_ScheduleOfBeneficialInterestLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestTable_5c95448b-9caf-4fa7-9ef0-e1d6fd712bc4" xlink:to="loc_upst_ScheduleOfBeneficialInterestLineItems_f14591fd-fba8-433e-880f-a9951cf22483" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestAssetUnpaidPrincipalBalance_d50df276-9da2-449c-b852-9da77c1246f5" xlink:href="upst-20240930.xsd#upst_BeneficialInterestAssetUnpaidPrincipalBalance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestLineItems_f14591fd-fba8-433e-880f-a9951cf22483" xlink:to="loc_upst_BeneficialInterestAssetUnpaidPrincipalBalance_d50df276-9da2-449c-b852-9da77c1246f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestLiabilityUnpaidPrincipalBalance_fa604cbb-aada-4dba-b8af-7b1338f71cad" xlink:href="upst-20240930.xsd#upst_BeneficialInterestLiabilityUnpaidPrincipalBalance"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestLineItems_f14591fd-fba8-433e-880f-a9951cf22483" xlink:to="loc_upst_BeneficialInterestLiabilityUnpaidPrincipalBalance_fa604cbb-aada-4dba-b8af-7b1338f71cad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestAsset_9ed24917-fb4f-4060-83e1-e2345df120dd" xlink:href="upst-20240930.xsd#upst_BeneficialInterestAsset"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestLineItems_f14591fd-fba8-433e-880f-a9951cf22483" xlink:to="loc_upst_BeneficialInterestAsset_9ed24917-fb4f-4060-83e1-e2345df120dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestLiabilities_22648ce0-c088-4e7a-9369-b283f39a049f" xlink:href="upst-20240930.xsd#upst_BeneficialInterestLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestLineItems_f14591fd-fba8-433e-880f-a9951cf22483" xlink:to="loc_upst_BeneficialInterestLiabilities_22648ce0-c088-4e7a-9369-b283f39a049f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_247ac2e2-1920-4df7-989e-90b8d4194eaa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestLineItems_f14591fd-fba8-433e-880f-a9951cf22483" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_247ac2e2-1920-4df7-989e-90b8d4194eaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BeneficialInterestsNarrativeDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BeneficialInterestsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BeneficialInterestsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsAbstract_1d55c821-bed5-449e-8bbb-800b883f2b9b" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBeneficialInterestTable_7687f809-544b-4b79-88ae-c9be4a33e500" xlink:href="upst-20240930.xsd#upst_ScheduleOfBeneficialInterestTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_BeneficialInterestsAbstract_1d55c821-bed5-449e-8bbb-800b883f2b9b" xlink:to="loc_upst_ScheduleOfBeneficialInterestTable_7687f809-544b-4b79-88ae-c9be4a33e500" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_87582052-84c3-48ce-ac77-d8415d433b45" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestTable_7687f809-544b-4b79-88ae-c9be4a33e500" xlink:to="loc_srt_ConsolidatedEntitiesAxis_87582052-84c3-48ce-ac77-d8415d433b45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_74a3a246-6f68-44b3-96d5-b9b739bf45aa" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_87582052-84c3-48ce-ac77-d8415d433b45" xlink:to="loc_srt_ConsolidatedEntitiesDomain_74a3a246-6f68-44b3-96d5-b9b739bf45aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_a212172a-a7d8-4aa5-a37c-fb2441e672f8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_74a3a246-6f68-44b3-96d5-b9b739bf45aa" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_a212172a-a7d8-4aa5-a37c-fb2441e672f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_39c20730-4dd8-4124-aeec-976f638f90a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestTable_7687f809-544b-4b79-88ae-c9be4a33e500" xlink:to="loc_us-gaap_PledgedStatusAxis_39c20730-4dd8-4124-aeec-976f638f90a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_e246c6b2-933c-4483-af3f-1d66e180be03" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_39c20730-4dd8-4124-aeec-976f638f90a3" xlink:to="loc_us-gaap_PledgedStatusDomain_e246c6b2-933c-4483-af3f-1d66e180be03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_942af82b-2abe-4fc8-ba86-49d54455027c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_e246c6b2-933c-4483-af3f-1d66e180be03" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_942af82b-2abe-4fc8-ba86-49d54455027c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBeneficialInterestLineItems_f8ac2dc3-2773-4add-a0a5-718ed549bfd2" xlink:href="upst-20240930.xsd#upst_ScheduleOfBeneficialInterestLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestTable_7687f809-544b-4b79-88ae-c9be4a33e500" xlink:to="loc_upst_ScheduleOfBeneficialInterestLineItems_f8ac2dc3-2773-4add-a0a5-718ed549bfd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_94471de3-f7ff-444e-b306-2e019a582b83" xlink:href="upst-20240930.xsd#upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBeneficialInterestLineItems_f8ac2dc3-2773-4add-a0a5-718ed549bfd2" xlink:to="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_94471de3-f7ff-444e-b306-2e019a582b83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofAssetsandLiabilitiesMeasuredatFairValueDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofAssetsandLiabilitiesMeasuredatFairValueDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofAssetsandLiabilitiesMeasuredatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_06ee7828-9979-4205-8446-7789975f087c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_b0c6dd20-910f-411b-bae9-1892c6276e86" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_06ee7828-9979-4205-8446-7789975f087c" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_b0c6dd20-910f-411b-bae9-1892c6276e86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_3e75f79a-bfb5-43e2-af68-bcc086ad47ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_b0c6dd20-910f-411b-bae9-1892c6276e86" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_3e75f79a-bfb5-43e2-af68-bcc086ad47ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1207f028-f691-43b8-b525-f3e7a697b548" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_3e75f79a-bfb5-43e2-af68-bcc086ad47ba" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1207f028-f691-43b8-b525-f3e7a697b548" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_8d01fb7a-da6c-45e8-aff4-f20e2536469b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1207f028-f691-43b8-b525-f3e7a697b548" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_8d01fb7a-da6c-45e8-aff4-f20e2536469b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_610ac2f4-9827-40f4-b33b-7a8fdabca186" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1207f028-f691-43b8-b525-f3e7a697b548" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_610ac2f4-9827-40f4-b33b-7a8fdabca186" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_09bb4d27-cfc3-4e7d-a7ee-42241720d39c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_b0c6dd20-910f-411b-bae9-1892c6276e86" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_09bb4d27-cfc3-4e7d-a7ee-42241720d39c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_09bb4d27-cfc3-4e7d-a7ee-42241720d39c" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_5d002d40-aa1f-4ceb-a8b8-59875193ef32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_5d002d40-aa1f-4ceb-a8b8-59875193ef32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestAssetFairValue_77fb6517-c4f6-47cf-ba7f-1cccf5f5b760" xlink:href="upst-20240930.xsd#upst_BeneficialInterestAssetFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:to="loc_upst_BeneficialInterestAssetFairValue_77fb6517-c4f6-47cf-ba7f-1cccf5f5b760" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_dda5a72b-6978-4b51-870d-71923c094f23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_dda5a72b-6978-4b51-870d-71923c094f23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableFairValueDisclosure_8f9f77b5-9e60-401d-954c-c0e40af08d9e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:to="loc_us-gaap_NotesReceivableFairValueDisclosure_8f9f77b5-9e60-401d-954c-c0e40af08d9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditReceivableFairValueDisclosure_f2ab988c-a1bc-4a56-ab7c-19eda8feae14" xlink:href="upst-20240930.xsd#upst_LineOfCreditReceivableFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:to="loc_upst_LineOfCreditReceivableFairValueDisclosure_f2ab988c-a1bc-4a56-ab7c-19eda8feae14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateDerivativeAssetsAtFairValue_06d069ba-20cc-4945-b24e-9f0d31ea53ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateDerivativeAssetsAtFairValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:to="loc_us-gaap_InterestRateDerivativeAssetsAtFairValue_06d069ba-20cc-4945-b24e-9f0d31ea53ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_fa3eccbe-c668-4a88-8046-b2dccf59a4f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_a9d4d52b-577f-43fe-8b43-8ab5237d92ca" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_fa3eccbe-c668-4a88-8046-b2dccf59a4f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_f9887e50-90a9-4b4a-a5fb-610dbd97a740" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_09bb4d27-cfc3-4e7d-a7ee-42241720d39c" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_f9887e50-90a9-4b4a-a5fb-610dbd97a740" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_4e9ad941-2907-4213-a66f-f2944b82a569" xlink:href="upst-20240930.xsd#upst_PayableToSecuritizationNoteHoldersAtFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_f9887e50-90a9-4b4a-a5fb-610dbd97a740" xlink:to="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_4e9ad941-2907-4213-a66f-f2944b82a569" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilitiesFairValueDisclosure_f79273ae-c108-4a34-8c49-81e5fc7e7047" xlink:href="upst-20240930.xsd#upst_TrailingFeeLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_f9887e50-90a9-4b4a-a5fb-610dbd97a740" xlink:to="loc_upst_TrailingFeeLiabilitiesFairValueDisclosure_f79273ae-c108-4a34-8c49-81e5fc7e7047" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestLiabilities_422c9280-758a-40e1-81df-0399fe5236ec" xlink:href="upst-20240930.xsd#upst_BeneficialInterestLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_f9887e50-90a9-4b4a-a5fb-610dbd97a740" xlink:to="loc_upst_BeneficialInterestLiabilities_422c9280-758a-40e1-81df-0399fe5236ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_1196a9e1-48a9-4d13-a628-71c82bfc5f75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_f9887e50-90a9-4b4a-a5fb-610dbd97a740" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_1196a9e1-48a9-4d13-a628-71c82bfc5f75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_b9df9150-7609-47ce-9b2c-8fdf444bc53f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_f9887e50-90a9-4b4a-a5fb-610dbd97a740" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_b9df9150-7609-47ce-9b2c-8fdf444bc53f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofFairValueofclassesofLoansHeldbytheCompanyDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofFairValueofclassesofLoansHeldbytheCompanyDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofFairValueofclassesofLoansHeldbytheCompanyDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_a88f29f7-e130-4dad-b98f-10bbee440d60" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_13c4d283-cbbb-4e07-9745-293e046f35db" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_a88f29f7-e130-4dad-b98f-10bbee440d60" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_13c4d283-cbbb-4e07-9745-293e046f35db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9f6e32f9-7c2f-4279-a9d4-f5058c137e27" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_13c4d283-cbbb-4e07-9745-293e046f35db" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9f6e32f9-7c2f-4279-a9d4-f5058c137e27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_bea9cdae-ce13-4747-909e-a92b96c95a8c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9f6e32f9-7c2f-4279-a9d4-f5058c137e27" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_bea9cdae-ce13-4747-909e-a92b96c95a8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_39ddd163-d038-48d5-b333-17795cb1ffa8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_bea9cdae-ce13-4747-909e-a92b96c95a8c" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_39ddd163-d038-48d5-b333-17795cb1ffa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_1f862c17-ef9e-430a-bacc-3d24508f9adc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_13c4d283-cbbb-4e07-9745-293e046f35db" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_1f862c17-ef9e-430a-bacc-3d24508f9adc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_57e3ffe9-de08-441e-a4fa-e162ef88b742" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_1f862c17-ef9e-430a-bacc-3d24508f9adc" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_57e3ffe9-de08-441e-a4fa-e162ef88b742" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldForInvestmentFairValueDisclosure_6b9ea7ea-9222-4411-bfe7-de2ddc917d77" xlink:href="upst-20240930.xsd#upst_LoansHeldForInvestmentFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_1f862c17-ef9e-430a-bacc-3d24508f9adc" xlink:to="loc_upst_LoansHeldForInvestmentFairValueDisclosure_6b9ea7ea-9222-4411-bfe7-de2ddc917d77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_b76cf057-7204-4d09-a66f-be8a6694ba5f" xlink:href="upst-20240930.xsd#upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_1f862c17-ef9e-430a-bacc-3d24508f9adc" xlink:to="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_b76cf057-7204-4d09-a66f-be8a6694ba5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_779f65d8-20ff-4129-9a29-50cc596c9b96" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_1f862c17-ef9e-430a-bacc-3d24508f9adc" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_779f65d8-20ff-4129-9a29-50cc596c9b96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofSignificantUnobservableInputsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofSignificantUnobservableInputsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofSignificantUnobservableInputsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_5ed3aff8-ede3-4ab8-a721-f0b4c8604123" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3491740b-dcc8-413b-a0b8-38bd369c9711" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_5ed3aff8-ede3-4ab8-a721-f0b4c8604123" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3491740b-dcc8-413b-a0b8-38bd369c9711" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_5baa298b-2edc-456a-8f3e-f647933322c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3491740b-dcc8-413b-a0b8-38bd369c9711" xlink:to="loc_us-gaap_ValuationTechniqueAxis_5baa298b-2edc-456a-8f3e-f647933322c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_0c15cd0f-05ec-4fd7-acd6-252d12b0624a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_5baa298b-2edc-456a-8f3e-f647933322c9" xlink:to="loc_us-gaap_ValuationTechniqueDomain_0c15cd0f-05ec-4fd7-acd6-252d12b0624a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_43df78bc-da29-4d65-a9fc-68aa7872493f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_0c15cd0f-05ec-4fd7-acd6-252d12b0624a" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_43df78bc-da29-4d65-a9fc-68aa7872493f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_25af5055-00a3-415f-842c-1b6126fd93d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3491740b-dcc8-413b-a0b8-38bd369c9711" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_25af5055-00a3-415f-842c-1b6126fd93d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_a6ef50f3-f420-4116-8cd9-77a1cc01e4f8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_25af5055-00a3-415f-842c-1b6126fd93d9" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_a6ef50f3-f420-4116-8cd9-77a1cc01e4f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_27d2342a-640e-4986-b599-f429e65a829c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_a6ef50f3-f420-4116-8cd9-77a1cc01e4f8" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_27d2342a-640e-4986-b599-f429e65a829c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_883dc219-3978-40e8-899b-3086bf210a53" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3491740b-dcc8-413b-a0b8-38bd369c9711" xlink:to="loc_srt_RangeAxis_883dc219-3978-40e8-899b-3086bf210a53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1f9b7c90-fe3a-451d-8d27-b34b974aa124" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_883dc219-3978-40e8-899b-3086bf210a53" xlink:to="loc_srt_RangeMember_1f9b7c90-fe3a-451d-8d27-b34b974aa124" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_be2e0072-505e-4957-847d-e936614909dc" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1f9b7c90-fe3a-451d-8d27-b34b974aa124" xlink:to="loc_srt_MinimumMember_be2e0072-505e-4957-847d-e936614909dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_c1a494e9-5b6f-488d-8fb9-e71ce502e568" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1f9b7c90-fe3a-451d-8d27-b34b974aa124" xlink:to="loc_srt_MaximumMember_c1a494e9-5b6f-488d-8fb9-e71ce502e568" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_be15e7e1-9d82-4a6e-81f8-d7da52707a0f" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1f9b7c90-fe3a-451d-8d27-b34b974aa124" xlink:to="loc_srt_WeightedAverageMember_be15e7e1-9d82-4a6e-81f8-d7da52707a0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_e06d7752-0ac2-4e2e-8e9b-d07907008106" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3491740b-dcc8-413b-a0b8-38bd369c9711" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_e06d7752-0ac2-4e2e-8e9b-d07907008106" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_2b0f9357-1ae8-4829-851a-40d1ede6d9da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_e06d7752-0ac2-4e2e-8e9b-d07907008106" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_2b0f9357-1ae8-4829-851a-40d1ede6d9da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_3e711b0a-516a-44e1-9e15-dd5dc4a71922" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_2b0f9357-1ae8-4829-851a-40d1ede6d9da" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_3e711b0a-516a-44e1-9e15-dd5dc4a71922" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputEntityCreditRiskMember_ae3c50fa-e142-421a-9135-4446eff7b9c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputEntityCreditRiskMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_2b0f9357-1ae8-4829-851a-40d1ede6d9da" xlink:to="loc_us-gaap_MeasurementInputEntityCreditRiskMember_ae3c50fa-e142-421a-9135-4446eff7b9c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputPrepaymentRateMember_6eb002e9-ba43-4524-ba26-b3dc4f4a1059" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputPrepaymentRateMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_2b0f9357-1ae8-4829-851a-40d1ede6d9da" xlink:to="loc_us-gaap_MeasurementInputPrepaymentRateMember_6eb002e9-ba43-4524-ba26-b3dc4f4a1059" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_3491740b-dcc8-413b-a0b8-38bd369c9711" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansReceivableMeasurementInput_181b4ce1-9ba4-4839-ba25-65db64b47a9c" xlink:href="upst-20240930.xsd#upst_LoansReceivableMeasurementInput"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_LoansReceivableMeasurementInput_181b4ce1-9ba4-4839-ba25-65db64b47a9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SecuritizedLoansMeasurementInput_885a3b12-c530-4ff7-8823-b36769c34a68" xlink:href="upst-20240930.xsd#upst_SecuritizedLoansMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_SecuritizedLoansMeasurementInput_885a3b12-c530-4ff7-8823-b36769c34a68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditReceivableMeasurementInput_3153df65-aa48-43a5-9080-a8bc067850b3" xlink:href="upst-20240930.xsd#upst_LineOfCreditReceivableMeasurementInput"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_LineOfCreditReceivableMeasurementInput_3153df65-aa48-43a5-9080-a8bc067850b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NotesReceivableMeasurementInput_2ae301eb-3f62-428b-94f2-512ce4f016f4" xlink:href="upst-20240930.xsd#upst_NotesReceivableMeasurementInput"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_NotesReceivableMeasurementInput_2ae301eb-3f62-428b-94f2-512ce4f016f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayablesToSecuritizationNoteHoldersMeasurementInput_00f8067c-ced2-49a0-9605-4cfc3e5bf053" xlink:href="upst-20240930.xsd#upst_PayablesToSecuritizationNoteHoldersMeasurementInput"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_PayablesToSecuritizationNoteHoldersMeasurementInput_00f8067c-ced2-49a0-9605-4cfc3e5bf053" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestAssetMeasurementInput_9f52d9e2-4e86-42a1-9317-a6f4e3303709" xlink:href="upst-20240930.xsd#upst_BeneficialInterestAssetMeasurementInput"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_BeneficialInterestAssetMeasurementInput_9f52d9e2-4e86-42a1-9317-a6f4e3303709" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestLiabilityMeasurementInput_3c69dffc-8869-4680-be2b-f8f7d4488a65" xlink:href="upst-20240930.xsd#upst_BeneficialInterestLiabilityMeasurementInput"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_BeneficialInterestLiabilityMeasurementInput_3c69dffc-8869-4680-be2b-f8f7d4488a65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilityMeasurementInput_02bceddb-7a51-4510-814a-6c62e9fc6bfe" xlink:href="upst-20240930.xsd#upst_TrailingFeeLiabilityMeasurementInput"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_709e95bf-0aba-49d5-8feb-75c89cdc58ca" xlink:to="loc_upst_TrailingFeeLiabilityMeasurementInput_02bceddb-7a51-4510-814a-6c62e9fc6bfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofSensitivityAnalysisofFairValueDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofSensitivityAnalysisofFairValueDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofSensitivityAnalysisofFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_62d11f3d-2506-4a81-b6be-ae4b9954dc5c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6f4fb644-0a18-4e70-9d76-aa3e00728556" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_62d11f3d-2506-4a81-b6be-ae4b9954dc5c" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6f4fb644-0a18-4e70-9d76-aa3e00728556" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_adb98cdd-4136-4718-876f-22fc1b58a289" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6f4fb644-0a18-4e70-9d76-aa3e00728556" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_adb98cdd-4136-4718-876f-22fc1b58a289" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_27f09e91-4374-491f-ae47-781bab8a62ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_adb98cdd-4136-4718-876f-22fc1b58a289" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_27f09e91-4374-491f-ae47-781bab8a62ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_ef4aed9d-38c3-44e1-b440-925b4a3d1a87" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_27f09e91-4374-491f-ae47-781bab8a62ef" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_ef4aed9d-38c3-44e1-b440-925b4a3d1a87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_ee46616d-eb98-4d8c-abc0-51ceb126d6c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6f4fb644-0a18-4e70-9d76-aa3e00728556" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_ee46616d-eb98-4d8c-abc0-51ceb126d6c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_16a4062d-9e7c-4d04-af56-48bf6d267e21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_ee46616d-eb98-4d8c-abc0-51ceb126d6c3" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_16a4062d-9e7c-4d04-af56-48bf6d267e21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldForSaleAndInvestmentMember_d222ddf6-aaba-40ba-b2cd-7b640ec76f32" xlink:href="upst-20240930.xsd#upst_LoansHeldForSaleAndInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_16a4062d-9e7c-4d04-af56-48bf6d267e21" xlink:to="loc_upst_LoansHeldForSaleAndInvestmentMember_d222ddf6-aaba-40ba-b2cd-7b640ec76f32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldInConsolidatedSecuritizationMember_cb8167e9-0195-43ce-9c3b-5d369a8c88f4" xlink:href="upst-20240930.xsd#upst_LoansHeldInConsolidatedSecuritizationMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_16a4062d-9e7c-4d04-af56-48bf6d267e21" xlink:to="loc_upst_LoansHeldInConsolidatedSecuritizationMember_cb8167e9-0195-43ce-9c3b-5d369a8c88f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsMember_981ad93f-7e7d-4f30-8e20-e8ed1f6def29" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_16a4062d-9e7c-4d04-af56-48bf6d267e21" xlink:to="loc_upst_BeneficialInterestsMember_981ad93f-7e7d-4f30-8e20-e8ed1f6def29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_52d127e2-ec7e-4e45-9c92-032ee621b634" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6f4fb644-0a18-4e70-9d76-aa3e00728556" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_52d127e2-ec7e-4e45-9c92-032ee621b634" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_e240b565-b439-4e3f-af87-b8c7a09d5deb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_52d127e2-ec7e-4e45-9c92-032ee621b634" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_e240b565-b439-4e3f-af87-b8c7a09d5deb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsMember_fd3413a5-c9cc-43ec-a6fd-887c69c7e03a" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_e240b565-b439-4e3f-af87-b8c7a09d5deb" xlink:to="loc_upst_BeneficialInterestsMember_fd3413a5-c9cc-43ec-a6fd-887c69c7e03a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6f4fb644-0a18-4e70-9d76-aa3e00728556" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_22937cfc-df0d-4486-84de-3f7f15398058" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_22937cfc-df0d-4486-84de-3f7f15398058" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestAsset_c8ef2a2b-34e7-47f4-be69-6dc612bf19ce" xlink:href="upst-20240930.xsd#upst_BeneficialInterestAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:to="loc_upst_BeneficialInterestAsset_c8ef2a2b-34e7-47f4-be69-6dc612bf19ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DiscountRateAbstract_093495a0-ad66-48e2-9fda-50fc9b183f33" xlink:href="upst-20240930.xsd#upst_DiscountRateAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:to="loc_upst_DiscountRateAbstract_093495a0-ad66-48e2-9fda-50fc9b183f33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRates_531cb248-995d-4e6c-b5cc-df6f753a2ea6" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DiscountRateAbstract_093495a0-ad66-48e2-9fda-50fc9b183f33" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf100BasisPointIncreaseInDiscountRates_531cb248-995d-4e6c-b5cc-df6f753a2ea6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRates_4d63efe9-b17f-45d6-8507-3657f4140374" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DiscountRateAbstract_093495a0-ad66-48e2-9fda-50fc9b183f33" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf200BasisPointIncreaseInDiscountRates_4d63efe9-b17f-45d6-8507-3657f4140374" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExpectedCreditLossRateAbstract_4547a266-7ba4-4eb3-bef2-81c79e01bbb6" xlink:href="upst-20240930.xsd#upst_ExpectedCreditLossRateAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:to="loc_upst_ExpectedCreditLossRateAbstract_4547a266-7ba4-4eb3-bef2-81c79e01bbb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedCreditLossRates_702262e3-b3b8-4c06-94cd-b671f6f99f1b" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedCreditLossRates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedCreditLossRateAbstract_4547a266-7ba4-4eb3-bef2-81c79e01bbb6" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedCreditLossRates_702262e3-b3b8-4c06-94cd-b671f6f99f1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRates_aa87e283-7c4b-43a0-aa76-e0a9b1ce8a41" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedCreditLossRateAbstract_4547a266-7ba4-4eb3-bef2-81c79e01bbb6" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedCreditLossRates_aa87e283-7c4b-43a0-aa76-e0a9b1ce8a41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExpectedPrepaymentRatesAbstract_69ea418c-1dfa-4ae8-87a1-723a97b32a21" xlink:href="upst-20240930.xsd#upst_ExpectedPrepaymentRatesAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:to="loc_upst_ExpectedPrepaymentRatesAbstract_69ea418c-1dfa-4ae8-87a1-723a97b32a21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedPrepaymentRates_e819d4e2-dfd8-45d3-b25e-88ee9b44e7c2" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedPrepaymentRates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedPrepaymentRatesAbstract_69ea418c-1dfa-4ae8-87a1-723a97b32a21" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf10PercentAdverseChangeInExpectedPrepaymentRates_e819d4e2-dfd8-45d3-b25e-88ee9b44e7c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedPrepaymentRates_56dbf381-1deb-4452-95ed-b33172710b1e" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedPrepaymentRates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedPrepaymentRatesAbstract_69ea418c-1dfa-4ae8-87a1-723a97b32a21" xlink:to="loc_upst_SensitivityAnalysisOfFairValueAssetsImpactOf20PercentAdverseChangeInExpectedPrepaymentRates_56dbf381-1deb-4452-95ed-b33172710b1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestLiabilities_30105c04-61b1-400a-97df-ab2123112d55" xlink:href="upst-20240930.xsd#upst_BeneficialInterestLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedPrepaymentRatesAbstract_69ea418c-1dfa-4ae8-87a1-723a97b32a21" xlink:to="loc_upst_BeneficialInterestLiabilities_30105c04-61b1-400a-97df-ab2123112d55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ExpectedCreditLossRateLiabilitiesAbstract_ac485fc7-5498-48ac-99fd-34474aa02c94" xlink:href="upst-20240930.xsd#upst_ExpectedCreditLossRateLiabilitiesAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_7784729b-db99-4abf-82d6-af43b03dbaa4" xlink:to="loc_upst_ExpectedCreditLossRateLiabilitiesAbstract_ac485fc7-5498-48ac-99fd-34474aa02c94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueLiabilitiesImpactOf10PercentAdverseChangeInExpectedCreditLossRates_2fbc56c7-564a-4b04-9d91-40d3265deb80" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueLiabilitiesImpactOf10PercentAdverseChangeInExpectedCreditLossRates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedCreditLossRateLiabilitiesAbstract_ac485fc7-5498-48ac-99fd-34474aa02c94" xlink:to="loc_upst_SensitivityAnalysisOfFairValueLiabilitiesImpactOf10PercentAdverseChangeInExpectedCreditLossRates_2fbc56c7-564a-4b04-9d91-40d3265deb80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueLiabilitiesImpactOf20PercentAdverseChangeInExpectedCreditLossRates_aed7a111-6911-4702-af97-6e4fac8af244" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueLiabilitiesImpactOf20PercentAdverseChangeInExpectedCreditLossRates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ExpectedCreditLossRateLiabilitiesAbstract_ac485fc7-5498-48ac-99fd-34474aa02c94" xlink:to="loc_upst_SensitivityAnalysisOfFairValueLiabilitiesImpactOf20PercentAdverseChangeInExpectedCreditLossRates_aed7a111-6911-4702-af97-6e4fac8af244" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofRollforwardofLevel3AssetsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofRollforwardofLevel3AssetsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofRollforwardofLevel3AssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_381d1e2e-698b-427f-9e0b-9ed525be5722" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c0d62b13-f348-4653-b086-3e70fa545fa2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_381d1e2e-698b-427f-9e0b-9ed525be5722" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c0d62b13-f348-4653-b086-3e70fa545fa2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_460ec763-2c94-4f9c-9935-72cc3b56da07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c0d62b13-f348-4653-b086-3e70fa545fa2" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_460ec763-2c94-4f9c-9935-72cc3b56da07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_42aa9465-d7be-4589-bc52-b9577a99f981" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_460ec763-2c94-4f9c-9935-72cc3b56da07" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_42aa9465-d7be-4589-bc52-b9577a99f981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_afaa2e09-37f1-45d3-a038-8dcd47cf5eaa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_42aa9465-d7be-4589-bc52-b9577a99f981" xlink:to="loc_us-gaap_LoansReceivableMember_afaa2e09-37f1-45d3-a038-8dcd47cf5eaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanHeldForSaleMember_00e468b7-666c-43b6-9086-eccab4fd87bb" xlink:href="upst-20240930.xsd#upst_LoanHeldForSaleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansReceivableMember_afaa2e09-37f1-45d3-a038-8dcd47cf5eaa" xlink:to="loc_upst_LoanHeldForSaleMember_00e468b7-666c-43b6-9086-eccab4fd87bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldForInvestmentMember_b280da49-c9aa-41d2-b68f-c9e69610aea5" xlink:href="upst-20240930.xsd#upst_LoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansReceivableMember_afaa2e09-37f1-45d3-a038-8dcd47cf5eaa" xlink:to="loc_upst_LoansHeldForInvestmentMember_b280da49-c9aa-41d2-b68f-c9e69610aea5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldForSaleInConsolidatedSecuritizationMember_0984130f-43d3-4534-9926-7d4710beb290" xlink:href="upst-20240930.xsd#upst_LoansHeldForSaleInConsolidatedSecuritizationMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansReceivableMember_afaa2e09-37f1-45d3-a038-8dcd47cf5eaa" xlink:to="loc_upst_LoansHeldForSaleInConsolidatedSecuritizationMember_0984130f-43d3-4534-9926-7d4710beb290" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditReceivableMember_5876ee90-cd37-44c6-bf83-e40fae155a03" xlink:href="upst-20240930.xsd#upst_LineOfCreditReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_42aa9465-d7be-4589-bc52-b9577a99f981" xlink:to="loc_upst_LineOfCreditReceivableMember_5876ee90-cd37-44c6-bf83-e40fae155a03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e8c0f62f-848f-49be-8329-408d10f15007" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c0d62b13-f348-4653-b086-3e70fa545fa2" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e8c0f62f-848f-49be-8329-408d10f15007" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_961bb65e-fef5-49f4-8924-2461d36f309a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e8c0f62f-848f-49be-8329-408d10f15007" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_961bb65e-fef5-49f4-8924-2461d36f309a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_5ac3c6e1-2ff9-438f-a447-073534a0e7dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_961bb65e-fef5-49f4-8924-2461d36f309a" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_5ac3c6e1-2ff9-438f-a447-073534a0e7dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_4ecd32c9-056a-4aea-8b53-af8866b2a260" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c0d62b13-f348-4653-b086-3e70fa545fa2" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_4ecd32c9-056a-4aea-8b53-af8866b2a260" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_4ecd32c9-056a-4aea-8b53-af8866b2a260" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_4372416d-43c7-4997-9a13-46745b0ff866" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_4372416d-43c7-4997-9a13-46745b0ff866" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisTransferOfLoansToConsolidatedSecuritization_a1e224f9-c185-4351-9f75-30af380446fb" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisTransferOfLoansToConsolidatedSecuritization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisTransferOfLoansToConsolidatedSecuritization_a1e224f9-c185-4351-9f75-30af380446fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassificationOfLoans_798cd527-e30b-4e80-ad7e-c7bfeada1a5a" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassificationOfLoans"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetReclassificationOfLoans_798cd527-e30b-4e80-ad7e-c7bfeada1a5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_c120b2f1-5699-4ccb-ac5f-ffb40201bb58" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_c120b2f1-5699-4ccb-ac5f-ffb40201bb58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_f065d805-11b2-4c90-b32b-eb67cda58249" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_f065d805-11b2-4c90-b32b-eb67cda58249" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfLoansForImmediateResaleToInvestors_650c7f84-ffcb-4ca9-9fd6-90b50afc6b6c" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfLoansForImmediateResaleToInvestors"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchaseOfLoansForImmediateResaleToInvestors_650c7f84-ffcb-4ca9-9fd6-90b50afc6b6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetImmediateResaleToInvestors_08716f0c-b71e-41c7-9e74-c0c13f77c5bc" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetImmediateResaleToInvestors"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetImmediateResaleToInvestors_08716f0c-b71e-41c7-9e74-c0c13f77c5bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsReceived_3f2e3df0-d854-44f0-99e4-34a41d76f994" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsReceived"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetRepaymentsReceived_3f2e3df0-d854-44f0-99e4-34a41d76f994" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_7dabd6ad-9edd-40a8-8d40-c6e3730fa395" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_7dabd6ad-9edd-40a8-8d40-c6e3730fa395" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesInAccruedInterest_48c95caa-7342-44bd-9821-15362081f57e" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesInAccruedInterest"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesInAccruedInterest_48c95caa-7342-44bd-9821-15362081f57e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherIncreaseDecrease_81dadf27-a433-4568-8d63-851ad2b1858b" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherIncreaseDecrease"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOtherIncreaseDecrease_81dadf27-a433-4568-8d63-851ad2b1858b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_d4873841-9bb4-4e5d-b831-4c0a2e4a3eef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_f255e78a-d4fd-4e1c-af20-ac2081f53ddd" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_d4873841-9bb4-4e5d-b831-4c0a2e4a3eef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofAggregateFairValueandPrincipalOutstandingofAllLoansAndLoans90DaysorMorePastDueDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofAggregateFairValueandPrincipalOutstandingofAllLoansAndLoans90DaysorMorePastDueDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofAggregateFairValueandPrincipalOutstandingofAllLoansAndLoans90DaysorMorePastDueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_f42fe6d2-895e-4be5-a9f5-f36c40db067e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ffca5f7d-63ee-4503-972a-e9bb48e9208e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f42fe6d2-895e-4be5-a9f5-f36c40db067e" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ffca5f7d-63ee-4503-972a-e9bb48e9208e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_8d33afae-0bd4-4471-b1a1-590a713cff00" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ffca5f7d-63ee-4503-972a-e9bb48e9208e" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_8d33afae-0bd4-4471-b1a1-590a713cff00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_970d5424-a7aa-41c3-86b4-ffdd41bf9e86" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_8d33afae-0bd4-4471-b1a1-590a713cff00" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_970d5424-a7aa-41c3-86b4-ffdd41bf9e86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_4e722222-cdd9-4ce6-8cea-61c0e8d71e11" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_970d5424-a7aa-41c3-86b4-ffdd41bf9e86" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_4e722222-cdd9-4ce6-8cea-61c0e8d71e11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_1549df23-c0cb-4a98-bbab-c99dd9129df4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ffca5f7d-63ee-4503-972a-e9bb48e9208e" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_1549df23-c0cb-4a98-bbab-c99dd9129df4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_ba884473-c049-4bed-a70e-76686b99a4c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_1549df23-c0cb-4a98-bbab-c99dd9129df4" xlink:to="loc_us-gaap_ReceivableTypeDomain_ba884473-c049-4bed-a70e-76686b99a4c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember_171cfa3c-d12e-4bef-a1ac-b041e5af95f5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_ba884473-c049-4bed-a70e-76686b99a4c7" xlink:to="loc_us-gaap_LoansReceivableMember_171cfa3c-d12e-4bef-a1ac-b041e5af95f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_516a4b31-f159-4b38-9ca3-125c52789346" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ffca5f7d-63ee-4503-972a-e9bb48e9208e" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_516a4b31-f159-4b38-9ca3-125c52789346" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7365b4e5-c9bd-4dcd-a021-edfda5a043a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_516a4b31-f159-4b38-9ca3-125c52789346" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7365b4e5-c9bd-4dcd-a021-edfda5a043a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AutoLoansMember_4766564d-2808-49e7-aeeb-4a4e0382d508" xlink:href="upst-20240930.xsd#upst_AutoLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7365b4e5-c9bd-4dcd-a021-edfda5a043a9" xlink:to="loc_upst_AutoLoansMember_4766564d-2808-49e7-aeeb-4a4e0382d508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_6fe7151a-37df-4cf8-a653-650b2221235a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7365b4e5-c9bd-4dcd-a021-edfda5a043a9" xlink:to="loc_us-gaap_HomeEquityMember_6fe7151a-37df-4cf8-a653-650b2221235a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_6297c640-5bc0-4e26-a28a-b2c34f2111a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ffca5f7d-63ee-4503-972a-e9bb48e9208e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_6297c640-5bc0-4e26-a28a-b2c34f2111a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_98354490-9b97-4bb0-8cf8-0f068d0a26ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_6297c640-5bc0-4e26-a28a-b2c34f2111a0" xlink:to="loc_us-gaap_NotesReceivableGross_98354490-9b97-4bb0-8cf8-0f068d0a26ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_dd2266c0-d13f-498d-81c1-9d3ad7f29910" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_6297c640-5bc0-4e26-a28a-b2c34f2111a0" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_dd2266c0-d13f-498d-81c1-9d3ad7f29910" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_b5f2b640-e323-4901-8c0e-6b2ad5f723fc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_6297c640-5bc0-4e26-a28a-b2c34f2111a0" xlink:to="loc_us-gaap_NotesReceivableNet_b5f2b640-e323-4901-8c0e-6b2ad5f723fc" 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-20240930.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_2dcc4414-10cc-42d7-b65a-ca89b65e8c38" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_8af32a30-f1a4-416f-8345-44caf8d0ae24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_2dcc4414-10cc-42d7-b65a-ca89b65e8c38" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_8af32a30-f1a4-416f-8345-44caf8d0ae24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_a5fce7ff-f7ac-41dd-a777-72e21ecc9f52" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_8af32a30-f1a4-416f-8345-44caf8d0ae24" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_a5fce7ff-f7ac-41dd-a777-72e21ecc9f52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_aaab72af-437c-403e-ab1b-d58d8d0548f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_a5fce7ff-f7ac-41dd-a777-72e21ecc9f52" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_aaab72af-437c-403e-ab1b-d58d8d0548f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_378c621f-27d7-4fe0-8c47-ba5f233d9b04" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_aaab72af-437c-403e-ab1b-d58d8d0548f4" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_378c621f-27d7-4fe0-8c47-ba5f233d9b04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7d4ea327-17d3-4ced-84bd-e35295166dad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_8af32a30-f1a4-416f-8345-44caf8d0ae24" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7d4ea327-17d3-4ced-84bd-e35295166dad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_58acbb73-623a-4c52-a3d6-b52912393712" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7d4ea327-17d3-4ced-84bd-e35295166dad" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_58acbb73-623a-4c52-a3d6-b52912393712" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_4bcc06df-b5c6-490b-94d9-882dbdbf8be9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_58acbb73-623a-4c52-a3d6-b52912393712" xlink:to="loc_us-gaap_HomeEquityMember_4bcc06df-b5c6-490b-94d9-882dbdbf8be9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_8af32a30-f1a4-416f-8345-44caf8d0ae24" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableThresholdPeriodPastDue_785cb60e-351b-43ce-b420-8ac8625052ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableThresholdPeriodPastDue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_us-gaap_FinancingReceivableThresholdPeriodPastDue_785cb60e-351b-43ce-b420-8ac8625052ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditReceivableFairValueDisclosure_89ab1c3f-cede-40b7-9438-ec6a71c3da71" xlink:href="upst-20240930.xsd#upst_LineOfCreditReceivableFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_LineOfCreditReceivableFairValueDisclosure_89ab1c3f-cede-40b7-9438-ec6a71c3da71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableFairValueDisclosure_ef9dcdd9-355c-4e7c-9f7e-338020eaa654" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_us-gaap_NotesReceivableFairValueDisclosure_ef9dcdd9-355c-4e7c-9f7e-338020eaa654" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_89835ba7-e416-45a1-adb2-0b933a7bcae2" xlink:href="upst-20240930.xsd#upst_PayableToSecuritizationNoteHoldersAtFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_PayableToSecuritizationNoteHoldersAtFairValue_89835ba7-e416-45a1-adb2-0b933a7bcae2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValuePayableToSecuritizationNoteHoldersImpactOf100PointIncreaseInDiscountRate_7dfceb47-df5c-4713-a7f6-6b0fd5d9fe94" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValuePayableToSecuritizationNoteHoldersImpactOf100PointIncreaseInDiscountRate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_SensitivityAnalysisOfFairValuePayableToSecuritizationNoteHoldersImpactOf100PointIncreaseInDiscountRate_7dfceb47-df5c-4713-a7f6-6b0fd5d9fe94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValuePayableToSecuritizationNoteHoldersImpactOf200PointIncreaseInDiscountRate_1a10cc69-6c8c-4f19-8ea5-e15c6c62604f" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValuePayableToSecuritizationNoteHoldersImpactOf200PointIncreaseInDiscountRate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_SensitivityAnalysisOfFairValuePayableToSecuritizationNoteHoldersImpactOf200PointIncreaseInDiscountRate_1a10cc69-6c8c-4f19-8ea5-e15c6c62604f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_5e334e2e-be89-4571-b780-58b3b84b6902" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_5e334e2e-be89-4571-b780-58b3b84b6902" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_3ee6568a-11bd-44c7-9a55-3b4fe6c3cc0e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_3ee6568a-11bd-44c7-9a55-3b4fe6c3cc0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestAsset_04fba1d5-241e-4e2a-9d7f-a1690456c330" xlink:href="upst-20240930.xsd#upst_BeneficialInterestAsset"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_BeneficialInterestAsset_04fba1d5-241e-4e2a-9d7f-a1690456c330" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestLiabilities_50f5989b-b227-47b6-b3bd-c3e40946e6e5" xlink:href="upst-20240930.xsd#upst_BeneficialInterestLiabilities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_BeneficialInterestLiabilities_50f5989b-b227-47b6-b3bd-c3e40946e6e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilityAtFairValueAmount_565bb8f3-9166-4b64-a0e5-97742d8d2fe1" xlink:href="upst-20240930.xsd#upst_TrailingFeeLiabilityAtFairValueAmount"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_TrailingFeeLiabilityAtFairValueAmount_565bb8f3-9166-4b64-a0e5-97742d8d2fe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_19c0183d-161c-4b6b-b0e6-caf6a131362c" xlink:href="upst-20240930.xsd#upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_e6b8f44f-ece5-4ecf-b265-dc031e02b7aa" xlink:to="loc_upst_LoansHeldInConsolidatedSecuritizationFairValueDisclosure_19c0183d-161c-4b6b-b0e6-caf6a131362c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementLevelThreeAssetsandLiabilitiesRollforwardDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementLevelThreeAssetsandLiabilitiesRollforwardDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementLevelThreeAssetsandLiabilitiesRollforwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_4f7022b6-1948-4e91-b17b-fd7650391b7d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_08699983-8cff-4020-b267-c3f969ec7002" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_4f7022b6-1948-4e91-b17b-fd7650391b7d" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_08699983-8cff-4020-b267-c3f969ec7002" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_fc19319a-e1bb-476a-a6c1-9a92aab1f07a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_08699983-8cff-4020-b267-c3f969ec7002" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_fc19319a-e1bb-476a-a6c1-9a92aab1f07a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_936c47df-c3d0-4333-a6af-6fbd8c7b3bd6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_fc19319a-e1bb-476a-a6c1-9a92aab1f07a" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_936c47df-c3d0-4333-a6af-6fbd8c7b3bd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_61d2cb13-1f1c-4eb1-aab6-cc7eed73635c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_936c47df-c3d0-4333-a6af-6fbd8c7b3bd6" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_61d2cb13-1f1c-4eb1-aab6-cc7eed73635c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_8d03432d-56eb-4b10-8a6c-654c8b24f71e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_08699983-8cff-4020-b267-c3f969ec7002" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_8d03432d-56eb-4b10-8a6c-654c8b24f71e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_b23ccf08-a1c6-4b32-bbd3-1ce14f971cbb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_8d03432d-56eb-4b10-8a6c-654c8b24f71e" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_b23ccf08-a1c6-4b32-bbd3-1ce14f971cbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditReceivableMember_5407bd4e-38ac-427f-a989-a90bba428ab0" xlink:href="upst-20240930.xsd#upst_LineOfCreditReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_b23ccf08-a1c6-4b32-bbd3-1ce14f971cbb" xlink:to="loc_upst_LineOfCreditReceivableMember_5407bd4e-38ac-427f-a989-a90bba428ab0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_NotesReceivableAndResidualCertificatesMember_1546cbe8-af69-45a3-8502-aaeb16d50be3" xlink:href="upst-20240930.xsd#upst_NotesReceivableAndResidualCertificatesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_b23ccf08-a1c6-4b32-bbd3-1ce14f971cbb" xlink:to="loc_upst_NotesReceivableAndResidualCertificatesMember_1546cbe8-af69-45a3-8502-aaeb16d50be3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestsMember_96aee202-aab6-4cde-aa95-c8d1bb17b08a" xlink:href="upst-20240930.xsd#upst_BeneficialInterestsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_b23ccf08-a1c6-4b32-bbd3-1ce14f971cbb" xlink:to="loc_upst_BeneficialInterestsMember_96aee202-aab6-4cde-aa95-c8d1bb17b08a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_285496e3-346e-479c-ac3c-f811862c0c80" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_08699983-8cff-4020-b267-c3f969ec7002" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_285496e3-346e-479c-ac3c-f811862c0c80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_285496e3-346e-479c-ac3c-f811862c0c80" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_170f67b4-77bc-468b-83cc-55fa4fe91c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_170f67b4-77bc-468b-83cc-55fa4fe91c0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues_4ff33f5c-4d7a-4f21-a948-9f3b469ac5f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues_4ff33f5c-4d7a-4f21-a948-9f3b469ac5f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAdditions_318b4b3a-b752-4262-8fdc-af0bb4f0cbec" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAdditions"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAdditions_318b4b3a-b752-4262-8fdc-af0bb4f0cbec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_4fe21bd8-deb2-40bc-a645-954adb590e1b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_4fe21bd8-deb2-40bc-a645-954adb590e1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_e0a04aa4-4ff3-413b-8e45-ce926c318899" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_e0a04aa4-4ff3-413b-8e45-ce926c318899" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesInAccruedInterest_ebcc1bd0-c56e-4b19-a43b-5ccb0149987f" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesInAccruedInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetChangesInAccruedInterest_ebcc1bd0-c56e-4b19-a43b-5ccb0149987f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_49195a20-d0e5-41da-af4e-9e620ca0dd04" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_b5c094d1-4c56-4909-b04f-38feb588fdb8" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_49195a20-d0e5-41da-af4e-9e620ca0dd04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_15973d83-b873-414c-9b38-80e4c106defd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_4f7022b6-1948-4e91-b17b-fd7650391b7d" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_15973d83-b873-414c-9b38-80e4c106defd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_88d4fc9d-9710-4875-b50f-231d1d2bf2a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_15973d83-b873-414c-9b38-80e4c106defd" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_88d4fc9d-9710-4875-b50f-231d1d2bf2a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_20819f64-3fce-4543-a0ed-ae10830c6189" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_cba88021-99ef-49f8-8bc6-e64b24971d8b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_a17c0b69-e096-4510-9f9a-ba04a48293e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_15973d83-b873-414c-9b38-80e4c106defd" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_a17c0b69-e096-4510-9f9a-ba04a48293e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_d6e42667-cbae-438a-b44c-bb55e7e27ff4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_a17c0b69-e096-4510-9f9a-ba04a48293e1" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_d6e42667-cbae-438a-b44c-bb55e7e27ff4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PayablesToSecuritizationNoteHoldersMember_63d888b2-806c-4a00-930b-ef641038bdad" xlink:href="upst-20240930.xsd#upst_PayablesToSecuritizationNoteHoldersMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_d6e42667-cbae-438a-b44c-bb55e7e27ff4" xlink:to="loc_upst_PayablesToSecuritizationNoteHoldersMember_63d888b2-806c-4a00-930b-ef641038bdad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_BeneficialInterestLiabilitiesMember_4bcaa2f2-b56f-46fa-9271-4d158dc4980e" xlink:href="upst-20240930.xsd#upst_BeneficialInterestLiabilitiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_d6e42667-cbae-438a-b44c-bb55e7e27ff4" xlink:to="loc_upst_BeneficialInterestLiabilitiesMember_4bcaa2f2-b56f-46fa-9271-4d158dc4980e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilitiesMember_9fd0df8b-3549-463d-8aaa-3fa6d2e762a2" xlink:href="upst-20240930.xsd#upst_TrailingFeeLiabilitiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_d6e42667-cbae-438a-b44c-bb55e7e27ff4" xlink:to="loc_upst_TrailingFeeLiabilitiesMember_9fd0df8b-3549-463d-8aaa-3fa6d2e762a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_341da2bd-38a4-4dd4-89f9-3e0260195632" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_15973d83-b873-414c-9b38-80e4c106defd" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_341da2bd-38a4-4dd4-89f9-3e0260195632" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_341da2bd-38a4-4dd4-89f9-3e0260195632" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_b854a266-5ac7-453c-b413-7f732f3fe3e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_b854a266-5ac7-453c-b413-7f732f3fe3e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityAdditions_8bf92403-7535-4cdd-8e14-f09ec2e21296" xlink:href="upst-20240930.xsd#upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:to="loc_upst_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityAdditions_8bf92403-7535-4cdd-8e14-f09ec2e21296" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues_1563e00e-62af-4abd-9727-f3439221b91d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityIssues_1563e00e-62af-4abd-9727-f3439221b91d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements_d149beae-d1ac-4fab-aec3-8cbf1f4bd865" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlements_d149beae-d1ac-4fab-aec3-8cbf1f4bd865" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_264733a9-c4ba-40c0-ab81-1e8736eb01ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_264733a9-c4ba-40c0-ab81-1e8736eb01ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_ab710fc5-d211-4438-8189-4a9a12ef4bef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_789b5ffe-37ba-4389-989d-2a9ac0578c0b" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_ab710fc5-d211-4438-8189-4a9a12ef4bef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofLevel3FairValueAssumptionsforLoanServicingAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofLevel3FairValueAssumptionsforLoanServicingAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofLevel3FairValueAssumptionsforLoanServicingAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_143364f1-e329-4b67-9eff-6986e3236620" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_ecd25cb1-c195-42dd-9f53-88d6bd5539f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_143364f1-e329-4b67-9eff-6986e3236620" xlink:to="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_ecd25cb1-c195-42dd-9f53-88d6bd5539f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_0ae41eb7-43ed-489a-8e41-3b8cc7fab31a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_ecd25cb1-c195-42dd-9f53-88d6bd5539f9" xlink:to="loc_srt_RangeAxis_0ae41eb7-43ed-489a-8e41-3b8cc7fab31a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_2a7b438f-b872-462f-bd6f-036dac8aa7e4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_0ae41eb7-43ed-489a-8e41-3b8cc7fab31a" xlink:to="loc_srt_RangeMember_2a7b438f-b872-462f-bd6f-036dac8aa7e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_24ffa26e-8000-403b-8c2f-fe04e2851c1f" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2a7b438f-b872-462f-bd6f-036dac8aa7e4" xlink:to="loc_srt_MinimumMember_24ffa26e-8000-403b-8c2f-fe04e2851c1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_d88f2533-a027-440d-b97a-a2c38ff714a0" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2a7b438f-b872-462f-bd6f-036dac8aa7e4" xlink:to="loc_srt_MaximumMember_d88f2533-a027-440d-b97a-a2c38ff714a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_d3c8deef-ffe0-4fd4-a138-35f44bab7be8" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2a7b438f-b872-462f-bd6f-036dac8aa7e4" xlink:to="loc_srt_WeightedAverageMember_d3c8deef-ffe0-4fd4-a138-35f44bab7be8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_457c02f6-b1f3-4c19-ae87-13ee4f0f3a35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_ecd25cb1-c195-42dd-9f53-88d6bd5539f9" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_457c02f6-b1f3-4c19-ae87-13ee4f0f3a35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ad083580-5ef1-440a-99ba-2f88ec9950e7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_457c02f6-b1f3-4c19-ae87-13ee4f0f3a35" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ad083580-5ef1-440a-99ba-2f88ec9950e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_d5811634-1cf7-4e4f-a0ae-93c951ec81be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ad083580-5ef1-440a-99ba-2f88ec9950e7" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_d5811634-1cf7-4e4f-a0ae-93c951ec81be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_0765cfa7-60a6-4599-95b1-86d479221d4f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_ecd25cb1-c195-42dd-9f53-88d6bd5539f9" xlink:to="loc_us-gaap_ValuationTechniqueAxis_0765cfa7-60a6-4599-95b1-86d479221d4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_97b507b5-7641-4455-a5e3-5681cb18490f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_0765cfa7-60a6-4599-95b1-86d479221d4f" xlink:to="loc_us-gaap_ValuationTechniqueDomain_97b507b5-7641-4455-a5e3-5681cb18490f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_1c70ae18-2118-4cae-8cfc-1a4f86704752" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_97b507b5-7641-4455-a5e3-5681cb18490f" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_1c70ae18-2118-4cae-8cfc-1a4f86704752" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_070edcdc-a60f-4db0-a4a9-5a3fe01c08fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_ecd25cb1-c195-42dd-9f53-88d6bd5539f9" xlink:to="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_070edcdc-a60f-4db0-a4a9-5a3fe01c08fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesDiscountRate_b47a1a14-75fc-4cac-9fe5-f6c1f2e021eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesDiscountRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_070edcdc-a60f-4db0-a4a9-5a3fe01c08fa" xlink:to="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesDiscountRate_b47a1a14-75fc-4cac-9fe5-f6c1f2e021eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesExpectedCreditLosses_60a378f5-9c25-47f1-b014-a6c71ff432e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesExpectedCreditLosses"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_070edcdc-a60f-4db0-a4a9-5a3fe01c08fa" xlink:to="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesExpectedCreditLosses_60a378f5-9c25-47f1-b014-a6c71ff432e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AssumptionForFairValueOfAssetsOrLiabilitiesThatRelateToTransferorsContinuingInvolvementMarketServicingRate_dd8b3413-4ee2-45d4-afe3-fec361ba953b" xlink:href="upst-20240930.xsd#upst_AssumptionForFairValueOfAssetsOrLiabilitiesThatRelateToTransferorsContinuingInvolvementMarketServicingRate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_070edcdc-a60f-4db0-a4a9-5a3fe01c08fa" xlink:to="loc_upst_AssumptionForFairValueOfAssetsOrLiabilitiesThatRelateToTransferorsContinuingInvolvementMarketServicingRate_dd8b3413-4ee2-45d4-afe3-fec361ba953b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesPrepaymentSpeed_43391fca-b54f-41ba-95d2-578c0b008e34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesPrepaymentSpeed"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssumptionForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems_070edcdc-a60f-4db0-a4a9-5a3fe01c08fa" xlink:to="loc_us-gaap_AssumptionForFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesPrepaymentSpeed_43391fca-b54f-41ba-95d2-578c0b008e34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofFairValueSensitivityofLoanServicingAssetsandLiabilitiestoAdverseChangesinKeyAssumptionsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofFairValueSensitivityofLoanServicingAssetsandLiabilitiestoAdverseChangesinKeyAssumptionsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofFairValueSensitivityofLoanServicingAssetsandLiabilitiestoAdverseChangesinKeyAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_74917be3-d811-446e-ab88-5a3aa08c2bd0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_382e62ae-fc4b-4543-b764-c6664d9fc3fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_74917be3-d811-446e-ab88-5a3aa08c2bd0" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_382e62ae-fc4b-4543-b764-c6664d9fc3fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_3fe896f4-4452-443c-bd08-8cef2b0b47b8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_382e62ae-fc4b-4543-b764-c6664d9fc3fe" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_3fe896f4-4452-443c-bd08-8cef2b0b47b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_9f9e4558-4b25-40f0-8c8d-3308c65890df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_3fe896f4-4452-443c-bd08-8cef2b0b47b8" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_9f9e4558-4b25-40f0-8c8d-3308c65890df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_252f536b-37e9-4587-998d-7313b10bcf19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_9f9e4558-4b25-40f0-8c8d-3308c65890df" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_252f536b-37e9-4587-998d-7313b10bcf19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_8a426ae2-d9a1-4790-8fbf-112b4fb6b407" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_382e62ae-fc4b-4543-b764-c6664d9fc3fe" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_8a426ae2-d9a1-4790-8fbf-112b4fb6b407" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_bbd979b8-1138-43a2-be46-879ae0df1a1c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_8a426ae2-d9a1-4790-8fbf-112b4fb6b407" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_bbd979b8-1138-43a2-be46-879ae0df1a1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingAssetsMember_bb2dee13-e6bd-4a1c-a498-99b413723117" xlink:href="upst-20240930.xsd#upst_LoanServicingAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_bbd979b8-1138-43a2-be46-879ae0df1a1c" xlink:to="loc_upst_LoanServicingAssetsMember_bb2dee13-e6bd-4a1c-a498-99b413723117" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_aac77f8b-18a6-4a7f-ad3b-0fd4ab11e728" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_382e62ae-fc4b-4543-b764-c6664d9fc3fe" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_aac77f8b-18a6-4a7f-ad3b-0fd4ab11e728" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_9a9ccdb4-3cda-4ab8-b331-6b0df569e055" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_aac77f8b-18a6-4a7f-ad3b-0fd4ab11e728" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_9a9ccdb4-3cda-4ab8-b331-6b0df569e055" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingLiabilitiesMember_fe2e1cb6-4e91-4536-ab44-6648b8f0195f" xlink:href="upst-20240930.xsd#upst_LoanServicingLiabilitiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_9a9ccdb4-3cda-4ab8-b331-6b0df569e055" xlink:to="loc_upst_LoanServicingLiabilitiesMember_fe2e1cb6-4e91-4536-ab44-6648b8f0195f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_382e62ae-fc4b-4543-b764-c6664d9fc3fe" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_d0ff5f9d-7c00-4490-9845-27d619ff9e1d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_d0ff5f9d-7c00-4490-9845-27d619ff9e1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentIncreaseInMarketServicingRates_ce0990e8-9ab8-431b-93de-bdc0ca6ef8e4" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentIncreaseInMarketServicingRates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentIncreaseInMarketServicingRates_ce0990e8-9ab8-431b-93de-bdc0ca6ef8e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentIncreaseInMarketServicingRates_39135962-9599-46d6-8640-521e1e95a5b0" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentIncreaseInMarketServicingRates"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentIncreaseInMarketServicingRates_39135962-9599-46d6-8640-521e1e95a5b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_09236897-53bf-43b6-bd02-c020a4b9c63b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_09236897-53bf-43b6-bd02-c020a4b9c63b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_534b57f6-dff5-4252-ac8c-4e01a339258b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_534b57f6-dff5-4252-ac8c-4e01a339258b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_895a863e-2aef-4bcf-8d0d-564e1a498b54" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_895a863e-2aef-4bcf-8d0d-564e1a498b54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialLiabilitiesImpactOf10PercentIncreaseInMarketServicingRates_4b5abcf9-c7e1-4c79-9330-09117f60837b" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialLiabilitiesImpactOf10PercentIncreaseInMarketServicingRates"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialLiabilitiesImpactOf10PercentIncreaseInMarketServicingRates_4b5abcf9-c7e1-4c79-9330-09117f60837b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialLiabilitiesImpactOf20PercentIncreaseInMarketServicingRates_b447ca2e-6c17-4d47-ad33-79923ab790ee" xlink:href="upst-20240930.xsd#upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialLiabilitiesImpactOf20PercentIncreaseInMarketServicingRates"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_b8d732cb-86eb-4203-beba-e0dac2c176d0" xlink:to="loc_upst_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialLiabilitiesImpactOf20PercentIncreaseInMarketServicingRates_b447ca2e-6c17-4d47-ad33-79923ab790ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofServicingLiabilitiesatFairValueRollforwardDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#FairValueMeasurementScheduleofServicingLiabilitiesatFairValueRollforwardDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/FairValueMeasurementScheduleofServicingLiabilitiesatFairValueRollforwardDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_8a0228ba-0f9f-45a2-ae58-95592612166e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_22bb0c37-4e9d-4525-a23b-bfdc7ebda7a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_8a0228ba-0f9f-45a2-ae58-95592612166e" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_22bb0c37-4e9d-4525-a23b-bfdc7ebda7a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e6e76081-03fc-4e10-afa5-850f575de71b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_22bb0c37-4e9d-4525-a23b-bfdc7ebda7a5" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e6e76081-03fc-4e10-afa5-850f575de71b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_c63752e7-9725-484f-bdfd-c01494767c88" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e6e76081-03fc-4e10-afa5-850f575de71b" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_c63752e7-9725-484f-bdfd-c01494767c88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_4863492e-b13f-459d-941e-e5899594411d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_c63752e7-9725-484f-bdfd-c01494767c88" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_4863492e-b13f-459d-941e-e5899594411d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_eff6990e-9ac7-4de6-9dc1-22a9d306bac1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_22bb0c37-4e9d-4525-a23b-bfdc7ebda7a5" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_eff6990e-9ac7-4de6-9dc1-22a9d306bac1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_7a759218-a715-43bd-b80f-57062b1d7d3d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_eff6990e-9ac7-4de6-9dc1-22a9d306bac1" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_7a759218-a715-43bd-b80f-57062b1d7d3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingAssetsMember_27eeeede-d990-4f56-ae8d-91ee3b99cc57" xlink:href="upst-20240930.xsd#upst_LoanServicingAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_7a759218-a715-43bd-b80f-57062b1d7d3d" xlink:to="loc_upst_LoanServicingAssetsMember_27eeeede-d990-4f56-ae8d-91ee3b99cc57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_4db68b1d-4ec3-45ba-aadd-1cdef6b7b177" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_22bb0c37-4e9d-4525-a23b-bfdc7ebda7a5" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueLineItems_4db68b1d-4ec3-45ba-aadd-1cdef6b7b177" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_cda53f31-5377-46b6-ad12-e94714eb2c36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_4db68b1d-4ec3-45ba-aadd-1cdef6b7b177" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_cda53f31-5377-46b6-ad12-e94714eb2c36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_1fa39c96-8774-4694-acd1-8a548af79d7e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_cda53f31-5377-46b6-ad12-e94714eb2c36" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_1fa39c96-8774-4694-acd1-8a548af79d7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAdditions_db67b48a-2e13-4973-b780-db14aeeed8a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_cda53f31-5377-46b6-ad12-e94714eb2c36" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAdditions_db67b48a-2e13-4973-b780-db14aeeed8a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingAssetAtFairValueRepaymentsAndOtherChangesAtFairValueGainLossIncludedInEarnings_43f6e54b-1ea9-41b8-b59a-c38da7aaeb8e" xlink:href="upst-20240930.xsd#upst_ServicingAssetAtFairValueRepaymentsAndOtherChangesAtFairValueGainLossIncludedInEarnings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_cda53f31-5377-46b6-ad12-e94714eb2c36" xlink:to="loc_upst_ServicingAssetAtFairValueRepaymentsAndOtherChangesAtFairValueGainLossIncludedInEarnings_43f6e54b-1ea9-41b8-b59a-c38da7aaeb8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_da784826-bc7d-4d42-a962-7cd784486870" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_cda53f31-5377-46b6-ad12-e94714eb2c36" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_da784826-bc7d-4d42-a962-7cd784486870" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_84aa1c9f-632d-45a9-89dc-54507f3cdb50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilitiesAtFairValueTable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_8a0228ba-0f9f-45a2-ae58-95592612166e" xlink:to="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_84aa1c9f-632d-45a9-89dc-54507f3cdb50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5b45cc0f-1821-4b62-ad59-eb376d984796" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_84aa1c9f-632d-45a9-89dc-54507f3cdb50" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_5b45cc0f-1821-4b62-ad59-eb376d984796" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d9c867ca-7a9e-4e31-826b-a3ab79e92ab6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_987b2977-fb84-468f-a936-c5ea85782c77" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_b38c3905-cdcf-4f5b-bad5-f95fa6a004e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_84aa1c9f-632d-45a9-89dc-54507f3cdb50" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_b38c3905-cdcf-4f5b-bad5-f95fa6a004e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a24d78fe-6255-4b6e-a1f9-51ffbfca8938" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_b38c3905-cdcf-4f5b-bad5-f95fa6a004e3" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a24d78fe-6255-4b6e-a1f9-51ffbfca8938" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LoanServicingLiabilitiesMember_0cae416b-da28-464f-b367-c3879e4f900b" xlink:href="upst-20240930.xsd#upst_LoanServicingLiabilitiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_a24d78fe-6255-4b6e-a1f9-51ffbfca8938" xlink:to="loc_upst_LoanServicingLiabilitiesMember_0cae416b-da28-464f-b367-c3879e4f900b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_0f6e3fcf-f37e-47dd-af80-bdebdebf0415" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilitiesAtFairValueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_84aa1c9f-632d-45a9-89dc-54507f3cdb50" xlink:to="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_0f6e3fcf-f37e-47dd-af80-bdebdebf0415" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_67f5548c-0cea-40b5-b71f-438464179b44" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAmountRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_0f6e3fcf-f37e-47dd-af80-bdebdebf0415" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_67f5548c-0cea-40b5-b71f-438464179b44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_dcfb14e3-d572-400b-8f59-a802f288b06e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_67f5548c-0cea-40b5-b71f-438464179b44" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_dcfb14e3-d572-400b-8f59-a802f288b06e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAdditions_50bc3644-db67-4028-8be9-1b93e37f529b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_67f5548c-0cea-40b5-b71f-438464179b44" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAdditions_50bc3644-db67-4028-8be9-1b93e37f529b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ServicingLiabilityAtFairValueRepaymentsAndOtherChangesAtFairValueGainLossIncludedInEarnings_16b949ce-186a-424f-86a0-cf521d3a1ca1" xlink:href="upst-20240930.xsd#upst_ServicingLiabilityAtFairValueRepaymentsAndOtherChangesAtFairValueGainLossIncludedInEarnings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_67f5548c-0cea-40b5-b71f-438464179b44" xlink:to="loc_upst_ServicingLiabilityAtFairValueRepaymentsAndOtherChangesAtFairValueGainLossIncludedInEarnings_16b949ce-186a-424f-86a0-cf521d3a1ca1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_4bfc6682-8de3-40ca-93ab-a3dee89e49ff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilityAtFairValueAmountRollForward_67f5548c-0cea-40b5-b71f-438464179b44" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_4bfc6682-8de3-40ca-93ab-a3dee89e49ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsNarrativeDetails" xlink:type="simple" xlink:href="upst-20240930.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_bb530c63-3c3a-402a-81f9-1ce6517e4607" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_d81eee6b-801b-4655-b9d2-094b450d0cc3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_bb530c63-3c3a-402a-81f9-1ce6517e4607" xlink:to="loc_us-gaap_Goodwill_d81eee6b-801b-4655-b9d2-094b450d0cc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentForAmortization_d6790940-eb5b-4266-87b9-e27af4268ce0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentForAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_bb530c63-3c3a-402a-81f9-1ce6517e4607" xlink:to="loc_us-gaap_AdjustmentForAmortization_d6790940-eb5b-4266-87b9-e27af4268ce0" 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-20240930.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_8a132014-33c0-4949-8bbf-694870438e03" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_6bed529f-7494-4fab-b64b-ea442b8e93d8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_8a132014-33c0-4949-8bbf-694870438e03" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_6bed529f-7494-4fab-b64b-ea442b8e93d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_27ba7e7a-25d4-428b-acf6-97d81d02ca71" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_6bed529f-7494-4fab-b64b-ea442b8e93d8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_27ba7e7a-25d4-428b-acf6-97d81d02ca71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_bb7bf0d1-13d9-4971-9635-3c7831f9a80a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_27ba7e7a-25d4-428b-acf6-97d81d02ca71" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_bb7bf0d1-13d9-4971-9635-3c7831f9a80a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember_c533c100-abfc-481b-8a2d-d9f79e72ca50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DevelopedTechnologyRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_bb7bf0d1-13d9-4971-9635-3c7831f9a80a" xlink:to="loc_us-gaap_DevelopedTechnologyRightsMember_c533c100-abfc-481b-8a2d-d9f79e72ca50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember_c5f87cb1-20c3-423d-8630-d01957aa5150" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_bb7bf0d1-13d9-4971-9635-3c7831f9a80a" xlink:to="loc_us-gaap_CustomerRelationshipsMember_c5f87cb1-20c3-423d-8630-d01957aa5150" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_c0d33969-e478-4cc3-a003-130500d404fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_6bed529f-7494-4fab-b64b-ea442b8e93d8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_c0d33969-e478-4cc3-a003-130500d404fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_68a2393a-2c6e-4cdf-99ae-8a51815242d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_c0d33969-e478-4cc3-a003-130500d404fa" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_68a2393a-2c6e-4cdf-99ae-8a51815242d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_ad3fc45e-56dc-4561-89c8-4f2f0c77d9c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_c0d33969-e478-4cc3-a003-130500d404fa" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_ad3fc45e-56dc-4561-89c8-4f2f0c77d9c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_89e3bc4e-e070-4053-adcb-ca88f5673673" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_c0d33969-e478-4cc3-a003-130500d404fa" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_89e3bc4e-e070-4053-adcb-ca88f5673673" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsScheduleofExpectedFutureAmortizationExpenseDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#GoodwillandIntangibleAssetsScheduleofExpectedFutureAmortizationExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/GoodwillandIntangibleAssetsScheduleofExpectedFutureAmortizationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_ba50bdc9-2c5a-4238-9a32-57d4820196d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_ba50bdc9-2c5a-4238-9a32-57d4820196d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_e28ba8ed-6459-4b05-9a1f-824b449f43c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_e28ba8ed-6459-4b05-9a1f-824b449f43c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_a3c8b87f-e732-49e4-aba6-afbf9cf8f8a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_a3c8b87f-e732-49e4-aba6-afbf9cf8f8a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_829cb3fd-887f-468a-8f3f-92afe6173d8c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_829cb3fd-887f-468a-8f3f-92afe6173d8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_8eae260a-4ffd-4c12-ba30-3a8765c4e7c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_8eae260a-4ffd-4c12-ba30-3a8765c4e7c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_ecd062d1-6d13-49cd-ae1e-1643ae111cbc" xlink:href="upst-20240930.xsd#upst_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:to="loc_upst_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_ecd062d1-6d13-49cd-ae1e-1643ae111cbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_efe2a45f-a651-463a-be14-57cd952c66e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3f96f745-0235-4ece-86a0-dd9f620b8568" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_efe2a45f-a651-463a-be14-57cd952c66e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsScheduleofOtherAssetsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BalanceSheetComponentsScheduleofOtherAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsScheduleofOtherAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_af1d3e4c-90fd-4b1e-a8c4-83b943a83434" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedFeesAndOtherRevenueReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_AccruedFeesAndOtherRevenueReceivable_af1d3e4c-90fd-4b1e-a8c4-83b943a83434" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditReceivableFairValueDisclosure_6b969145-f812-4d4f-9542-e5388678a30e" xlink:href="upst-20240930.xsd#upst_LineOfCreditReceivableFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_upst_LineOfCreditReceivableFairValueDisclosure_6b969145-f812-4d4f-9542-e5388678a30e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_31ca8e8e-577a-4d6a-8c9b-15614fce291c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_31ca8e8e-577a-4d6a-8c9b-15614fce291c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMiscellaneous_caa25684-c319-4962-aae4-2e3b2f0dc65e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsMiscellaneous"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_OtherAssetsMiscellaneous_caa25684-c319-4962-aae4-2e3b2f0dc65e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_ecc6a31f-4bdd-4c24-b98a-541100db7297" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_ecc6a31f-4bdd-4c24-b98a-541100db7297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivables_3f1eb7d6-75d3-431b-b654-e57da73ebf43" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherReceivables"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_OtherReceivables_3f1eb7d6-75d3-431b-b654-e57da73ebf43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_1f8ce2c7-d524-45ae-b9e0-d7fc4dcadc66" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_1f8ce2c7-d524-45ae-b9e0-d7fc4dcadc66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAssets_43c9faa8-61e1-412d-82e7-a292076718f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_DepositsAssets_43c9faa8-61e1-412d-82e7-a292076718f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_71b24c40-e59f-4d3e-aadb-03cb1b6d6c98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_DerivativeAssets_71b24c40-e59f-4d3e-aadb-03cb1b6d6c98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_9a48204f-696e-4bf5-8acb-aac9d26d864d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_682cfa26-03ce-4223-80cf-1134b7a652fc" xlink:to="loc_us-gaap_OtherAssets_9a48204f-696e-4bf5-8acb-aac9d26d864d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_feed352f-c31b-46b4-839c-f22b5d4f4fe5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_1e5d0fa7-425e-46ab-a4b0-86ad18a30efd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_feed352f-c31b-46b4-839c-f22b5d4f4fe5" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_1e5d0fa7-425e-46ab-a4b0-86ad18a30efd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_5bb28f6a-82aa-4010-b5f2-4b4219e38dec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_1e5d0fa7-425e-46ab-a4b0-86ad18a30efd" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_5bb28f6a-82aa-4010-b5f2-4b4219e38dec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_adf02e40-458f-4c60-98fe-4f71781f079d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_5bb28f6a-82aa-4010-b5f2-4b4219e38dec" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_adf02e40-458f-4c60-98fe-4f71781f079d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareDevelopmentMember_c9f84599-cc94-4b86-b716-780f07e1e39d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SoftwareDevelopmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_adf02e40-458f-4c60-98fe-4f71781f079d" xlink:to="loc_us-gaap_SoftwareDevelopmentMember_c9f84599-cc94-4b86-b716-780f07e1e39d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseholdImprovementsMember_5a154066-7009-4783-8766-1ddf9ae018ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeaseholdImprovementsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_adf02e40-458f-4c60-98fe-4f71781f079d" xlink:to="loc_us-gaap_LeaseholdImprovementsMember_5a154066-7009-4783-8766-1ddf9ae018ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComputerEquipmentMember_8867514c-52f3-49ea-a320-6076dc9e23de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComputerEquipmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_adf02e40-458f-4c60-98fe-4f71781f079d" xlink:to="loc_us-gaap_ComputerEquipmentMember_8867514c-52f3-49ea-a320-6076dc9e23de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember_1041ddd3-bcae-4377-ad88-d05d6e96bad6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_adf02e40-458f-4c60-98fe-4f71781f079d" xlink:to="loc_us-gaap_FurnitureAndFixturesMember_1041ddd3-bcae-4377-ad88-d05d6e96bad6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_68bda4c5-44d8-42ef-a7ff-ca9e877526bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_1e5d0fa7-425e-46ab-a4b0-86ad18a30efd" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentLineItems_68bda4c5-44d8-42ef-a7ff-ca9e877526bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_1f856862-dbc5-4aa1-bffe-d062bcdd35f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_68bda4c5-44d8-42ef-a7ff-ca9e877526bc" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_1f856862-dbc5-4aa1-bffe-d062bcdd35f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_736b4b68-ec17-4fa2-88b7-8f661434cb30" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_68bda4c5-44d8-42ef-a7ff-ca9e877526bc" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_736b4b68-ec17-4fa2-88b7-8f661434cb30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_2646d78f-7859-4a5b-9e95-12b977c8fb32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_68bda4c5-44d8-42ef-a7ff-ca9e877526bc" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_2646d78f-7859-4a5b-9e95-12b977c8fb32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsNarrativeDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BalanceSheetComponentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_ce6b0250-e403-4371-823a-48a7c9cf0f98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_04fdc74d-0ff3-4c95-a890-858152af979e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Depreciation"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_ce6b0250-e403-4371-823a-48a7c9cf0f98" xlink:to="loc_us-gaap_Depreciation_04fdc74d-0ff3-4c95-a890-858152af979e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareNet_2d78c1bb-d872-490a-a1c1-4c2e81862113" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalizedComputerSoftwareNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_ce6b0250-e403-4371-823a-48a7c9cf0f98" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareNet_2d78c1bb-d872-490a-a1c1-4c2e81862113" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareImpairments1_4f10997a-e2a8-4690-bcdd-943bd52f4f66" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalizedComputerSoftwareImpairments1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_ce6b0250-e403-4371-823a-48a7c9cf0f98" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareImpairments1_4f10997a-e2a8-4690-bcdd-943bd52f4f66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_d1af59aa-f34c-4111-bd46-fe23ffa1e613" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_d1af59aa-f34c-4111-bd46-fe23ffa1e613" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_b0a62b76-7747-48c8-87df-8a27e9edcf90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_b0a62b76-7747-48c8-87df-8a27e9edcf90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_335712e8-2ed4-4832-b54c-544ba792616a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_us-gaap_AccountsPayableCurrentAndNoncurrent_335712e8-2ed4-4832-b54c-544ba792616a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BeneficialInterest_683774f3-9a45-422f-a633-416ce59d04a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BeneficialInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_us-gaap_BeneficialInterest_683774f3-9a45-422f-a633-416ce59d04a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TrailingFeeLiabilityAtFairValueAmount_5c53e365-2ecc-49d2-80b8-04d389c85478" xlink:href="upst-20240930.xsd#upst_TrailingFeeLiabilityAtFairValueAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_upst_TrailingFeeLiabilityAtFairValueAmount_5c53e365-2ecc-49d2-80b8-04d389c85478" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_e3e56b92-d718-417e-87ee-86f484115e96" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_us-gaap_OtherLiabilities_e3e56b92-d718-417e-87ee-86f484115e96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilityAtFairValueAmount_b7da26e9-420f-4328-867e-f56572dc80e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ServicingLiabilityAtFairValueAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_us-gaap_ServicingLiabilityAtFairValueAmount_b7da26e9-420f-4328-867e-f56572dc80e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_989c7ec2-9ef7-4284-8ea6-932182fd6975" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_d6b5fb86-0c40-4cb4-bbdd-e36974935ad6" xlink:to="loc_us-gaap_AccruedLiabilitiesAndOtherLiabilities_989c7ec2-9ef7-4284-8ea6-932182fd6975" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsScheduleofAggregatePrincipalOutstandingofallLoansDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BorrowingsScheduleofAggregatePrincipalOutstandingofallLoansDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsScheduleofAggregatePrincipalOutstandingofallLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_f1688bdb-fd11-4116-858f-d120b66988ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsTable_83d2dc9e-d835-42fb-847d-a4e08e8099ef" xlink:href="upst-20240930.xsd#upst_ScheduleOfBorrowingsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_f1688bdb-fd11-4116-858f-d120b66988ba" xlink:to="loc_upst_ScheduleOfBorrowingsTable_83d2dc9e-d835-42fb-847d-a4e08e8099ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_a75b9030-9d71-4830-9e3f-c730f360a015" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_83d2dc9e-d835-42fb-847d-a4e08e8099ef" xlink:to="loc_us-gaap_CreditFacilityAxis_a75b9030-9d71-4830-9e3f-c730f360a015" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_332c738c-7e03-4002-b33d-ce1db79bd914" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_a75b9030-9d71-4830-9e3f-c730f360a015" xlink:to="loc_us-gaap_CreditFacilityDomain_332c738c-7e03-4002-b33d-ce1db79bd914" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_d093b203-98af-4530-b1b0-958effcee99a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_332c738c-7e03-4002-b33d-ce1db79bd914" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_d093b203-98af-4530-b1b0-958effcee99a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_38d64de8-127a-4d2f-a629-ddb6e1714f25" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_83d2dc9e-d835-42fb-847d-a4e08e8099ef" xlink:to="loc_us-gaap_DebtInstrumentAxis_38d64de8-127a-4d2f-a629-ddb6e1714f25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_dac6b3f0-c950-4846-8f83-711ad8675076" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_38d64de8-127a-4d2f-a629-ddb6e1714f25" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_dac6b3f0-c950-4846-8f83-711ad8675076" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WarehouseCreditFacilityMember_7f850597-b933-494b-9786-6eebb4427723" xlink:href="upst-20240930.xsd#upst_WarehouseCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_dac6b3f0-c950-4846-8f83-711ad8675076" xlink:to="loc_upst_WarehouseCreditFacilityMember_7f850597-b933-494b-9786-6eebb4427723" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_a3257062-b8c4-4138-b1a8-f6e3c9739177" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_83d2dc9e-d835-42fb-847d-a4e08e8099ef" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_a3257062-b8c4-4138-b1a8-f6e3c9739177" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_f07ff5a7-926b-496c-b094-70064216254c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_a3257062-b8c4-4138-b1a8-f6e3c9739177" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_f07ff5a7-926b-496c-b094-70064216254c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtMember_7ebe661a-1b87-4fd7-b00b-cffe3e5a9e82" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConvertibleDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_f07ff5a7-926b-496c-b094-70064216254c" xlink:to="loc_us-gaap_ConvertibleDebtMember_7ebe661a-1b87-4fd7-b00b-cffe3e5a9e82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsLineItems_315fc697-0369-4d71-84b9-64aa7cec87eb" xlink:href="upst-20240930.xsd#upst_ScheduleOfBorrowingsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_83d2dc9e-d835-42fb-847d-a4e08e8099ef" xlink:to="loc_upst_ScheduleOfBorrowingsLineItems_315fc697-0369-4d71-84b9-64aa7cec87eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_59b3e1f8-e7ae-46a6-be1b-33a822141016" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_315fc697-0369-4d71-84b9-64aa7cec87eb" xlink:to="loc_upst_LongTermAndShortTermDebtGross_59b3e1f8-e7ae-46a6-be1b-33a822141016" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_089b134b-e1bc-492f-8471-a62ebf0b199f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_315fc697-0369-4d71-84b9-64aa7cec87eb" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_089b134b-e1bc-492f-8471-a62ebf0b199f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_b1521e3b-713d-48ea-a676-28c29422fac6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_315fc697-0369-4d71-84b9-64aa7cec87eb" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_b1521e3b-713d-48ea-a676-28c29422fac6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsScheduleofMaturitiesofAllBorrowingsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BorrowingsScheduleofMaturitiesofAllBorrowingsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsScheduleofMaturitiesofAllBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityRemainderOfFiscalYear_f2b24edf-5af7-4257-877e-9450208c9541" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtMaturityRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityRemainderOfFiscalYear_f2b24edf-5af7-4257-877e-9450208c9541" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearOne_d479747d-0d13-434c-855b-b62ec7d817a4" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtMaturityYearOne"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearOne_d479747d-0d13-434c-855b-b62ec7d817a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearTwo_b51db618-b10a-46b5-9cb6-699b057e9ea1" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtMaturityYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearTwo_b51db618-b10a-46b5-9cb6-699b057e9ea1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearThree_f2b1459a-b768-4de6-bfd3-6354ae4ca3bb" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtMaturityYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearThree_f2b1459a-b768-4de6-bfd3-6354ae4ca3bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearFour_46c70cb0-ec85-4ccb-9f4e-9abb817d6ec5" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtMaturityYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearFour_46c70cb0-ec85-4ccb-9f4e-9abb817d6ec5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityYearFive_04b973d5-4636-4e59-ad58-9a85ac0b5701" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtMaturityYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityYearFive_04b973d5-4636-4e59-ad58-9a85ac0b5701" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtMaturityAfterYearFive_91218302-825b-4490-b43f-774af0fbe990" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtMaturityAfterYearFive"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtMaturityAfterYearFive_91218302-825b-4490-b43f-774af0fbe990" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_318012c7-bbfe-4712-b22d-688bf25d6bf3" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6e1f3ffe-0c19-4efc-8292-f0ae74c49f55" xlink:to="loc_upst_LongTermAndShortTermDebtGross_318012c7-bbfe-4712-b22d-688bf25d6bf3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsWarehouseCreditFacilitiesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BorrowingsWarehouseCreditFacilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsWarehouseCreditFacilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_7426fbac-a904-44cd-b7d4-e15f72e966cb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable_3ce92077-5703-4151-81fd-93e1c322591d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7426fbac-a904-44cd-b7d4-e15f72e966cb" xlink:to="loc_us-gaap_LineOfCreditFacilityTable_3ce92077-5703-4151-81fd-93e1c322591d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_d6c12a11-6ea3-443c-b1ee-45d6961d9d6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3ce92077-5703-4151-81fd-93e1c322591d" xlink:to="loc_us-gaap_CreditFacilityAxis_d6c12a11-6ea3-443c-b1ee-45d6961d9d6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_a4a23738-317c-4939-a869-70bc0fe5ba0b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_d6c12a11-6ea3-443c-b1ee-45d6961d9d6e" xlink:to="loc_us-gaap_CreditFacilityDomain_a4a23738-317c-4939-a869-70bc0fe5ba0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_5d36495a-cbc8-4377-8560-30625c761b7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_a4a23738-317c-4939-a869-70bc0fe5ba0b" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_5d36495a-cbc8-4377-8560-30625c761b7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_cde56384-20f9-4d8d-a8b9-1603d166fe89" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3ce92077-5703-4151-81fd-93e1c322591d" xlink:to="loc_us-gaap_DebtInstrumentAxis_cde56384-20f9-4d8d-a8b9-1603d166fe89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_cde56384-20f9-4d8d-a8b9-1603d166fe89" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_UAWTWarehouseCreditFacilityMember_b1c19253-8028-4617-9371-8d82dc637e4d" xlink:href="upst-20240930.xsd#upst_UAWTWarehouseCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:to="loc_upst_UAWTWarehouseCreditFacilityMember_b1c19253-8028-4617-9371-8d82dc637e4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_UAWTWarehouseCreditFacilityIIMember_3454e485-891a-4574-b75b-33efb8cc5543" xlink:href="upst-20240930.xsd#upst_UAWTWarehouseCreditFacilityIIMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:to="loc_upst_UAWTWarehouseCreditFacilityIIMember_3454e485-891a-4574-b75b-33efb8cc5543" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ULTWarehouseCreditFacilityMember_2a134ead-ba59-4ad9-91bf-9b19371ec903" xlink:href="upst-20240930.xsd#upst_ULTWarehouseCreditFacilityMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:to="loc_upst_ULTWarehouseCreditFacilityMember_2a134ead-ba59-4ad9-91bf-9b19371ec903" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_UpstartSmallDollarLoanTrustMember_84033696-37f1-4409-8da8-6450a01de60b" xlink:href="upst-20240930.xsd#upst_UpstartSmallDollarLoanTrustMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:to="loc_upst_UpstartSmallDollarLoanTrustMember_84033696-37f1-4409-8da8-6450a01de60b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_WarehouseCreditFacilityMember_18a67e84-9d84-4119-8254-1ca123ffc79d" xlink:href="upst-20240930.xsd#upst_WarehouseCreditFacilityMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:to="loc_upst_WarehouseCreditFacilityMember_18a67e84-9d84-4119-8254-1ca123ffc79d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ULTWarehouseCreditFacilityUnCommittedMember_61d523f7-b597-44b2-b9df-cea7c33592c5" xlink:href="upst-20240930.xsd#upst_ULTWarehouseCreditFacilityUnCommittedMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_e6b8986e-091b-4ab3-be09-35c6319d67f9" xlink:to="loc_upst_ULTWarehouseCreditFacilityUnCommittedMember_61d523f7-b597-44b2-b9df-cea7c33592c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_329baed5-38cc-41cc-95cf-84b1c26889d8" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3ce92077-5703-4151-81fd-93e1c322591d" xlink:to="loc_srt_ConsolidatedEntitiesAxis_329baed5-38cc-41cc-95cf-84b1c26889d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_5aa6b513-43d2-408a-af21-8584cf720f36" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_329baed5-38cc-41cc-95cf-84b1c26889d8" xlink:to="loc_srt_ConsolidatedEntitiesDomain_5aa6b513-43d2-408a-af21-8584cf720f36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_a04763a6-a524-4c8a-b865-f1d7074b2426" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_5aa6b513-43d2-408a-af21-8584cf720f36" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_a04763a6-a524-4c8a-b865-f1d7074b2426" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_8357979c-7c30-471d-86b2-bd58329850fa" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3ce92077-5703-4151-81fd-93e1c322591d" xlink:to="loc_srt_RangeAxis_8357979c-7c30-471d-86b2-bd58329850fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_830342c1-32ac-45d7-9d9e-f86edcbe777c" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_8357979c-7c30-471d-86b2-bd58329850fa" xlink:to="loc_srt_RangeMember_830342c1-32ac-45d7-9d9e-f86edcbe777c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_f17f27b2-5b85-45b2-84d7-1c1ca4e6a828" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_830342c1-32ac-45d7-9d9e-f86edcbe777c" xlink:to="loc_srt_MinimumMember_f17f27b2-5b85-45b2-84d7-1c1ca4e6a828" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_0993b0c6-e153-48e9-a064-6e5a3bf5cd55" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_830342c1-32ac-45d7-9d9e-f86edcbe777c" xlink:to="loc_srt_MaximumMember_0993b0c6-e153-48e9-a064-6e5a3bf5cd55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3ce92077-5703-4151-81fd-93e1c322591d" xlink:to="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_97f1f7c1-0829-4823-b5e7-b5c97db20ccb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_97f1f7c1-0829-4823-b5e7-b5c97db20ccb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCollateralAmount_9a185397-37dc-468b-903c-f67d1941e92e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentCollateralAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:to="loc_us-gaap_DebtInstrumentCollateralAmount_9a185397-37dc-468b-903c-f67d1941e92e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_5eb6949b-fb6c-4dbf-89ce-ed46e56af0fa" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:to="loc_upst_LongTermAndShortTermDebtGross_5eb6949b-fb6c-4dbf-89ce-ed46e56af0fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_ad6363b0-a9a6-451f-8ff5-36016eb2f475" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:to="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_ad6363b0-a9a6-451f-8ff5-36016eb2f475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LineOfCreditFacilityUnusedCapacityCommitmentFeeThresholdPercentageOfBorrowingBase_b3affe33-d378-4d24-ae34-ed1f9c6c0c6e" xlink:href="upst-20240930.xsd#upst_LineOfCreditFacilityUnusedCapacityCommitmentFeeThresholdPercentageOfBorrowingBase"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:to="loc_upst_LineOfCreditFacilityUnusedCapacityCommitmentFeeThresholdPercentageOfBorrowingBase_b3affe33-d378-4d24-ae34-ed1f9c6c0c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_ed594c42-84bd-493b-b15b-cd3cabfe7200" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_16a032ad-be8e-47f6-9d14-078c2ec3bda3" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_ed594c42-84bd-493b-b15b-cd3cabfe7200" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsConvertibleSeniorNotesActivityDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BorrowingsConvertibleSeniorNotesActivityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsConvertibleSeniorNotesActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_aff2cbf9-862c-4343-9fd3-292842170887" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_b49eb8bf-21e0-4849-87fd-35d2ad943712" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_aff2cbf9-862c-4343-9fd3-292842170887" xlink:to="loc_us-gaap_DebtInstrumentTable_b49eb8bf-21e0-4849-87fd-35d2ad943712" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_48ad132a-c121-4fb9-ad15-99a8258a4178" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_b49eb8bf-21e0-4849-87fd-35d2ad943712" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_48ad132a-c121-4fb9-ad15-99a8258a4178" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_a4600757-9dfe-4c5e-ad38-eb04a03277eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_48ad132a-c121-4fb9-ad15-99a8258a4178" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_a4600757-9dfe-4c5e-ad38-eb04a03277eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtMember_60605a7d-e79c-45fd-a6f8-12d4685ba01c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConvertibleDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_a4600757-9dfe-4c5e-ad38-eb04a03277eb" xlink:to="loc_us-gaap_ConvertibleDebtMember_60605a7d-e79c-45fd-a6f8-12d4685ba01c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_2ea82a64-a624-46a9-8c22-f6e7ed389dcb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_b49eb8bf-21e0-4849-87fd-35d2ad943712" xlink:to="loc_us-gaap_DebtInstrumentAxis_2ea82a64-a624-46a9-8c22-f6e7ed389dcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_85f6652c-cd1b-40b6-acc8-e5eccf78d91b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_2ea82a64-a624-46a9-8c22-f6e7ed389dcb" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_85f6652c-cd1b-40b6-acc8-e5eccf78d91b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentyNineNotesMember_9310f038-34c2-4b01-9aa0-90b6252e345c" xlink:href="upst-20240930.xsd#upst_TwentyTwentyNineNotesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_85f6652c-cd1b-40b6-acc8-e5eccf78d91b" xlink:to="loc_upst_TwentyTwentyNineNotesMember_9310f038-34c2-4b01-9aa0-90b6252e345c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentySixNotesMember_965566fa-c940-4fec-b39e-4697ae346943" xlink:href="upst-20240930.xsd#upst_TwentyTwentySixNotesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_85f6652c-cd1b-40b6-acc8-e5eccf78d91b" xlink:to="loc_upst_TwentyTwentySixNotesMember_965566fa-c940-4fec-b39e-4697ae346943" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_78f25858-ddc9-400b-9a02-97d18cf0c921" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_b49eb8bf-21e0-4849-87fd-35d2ad943712" xlink:to="loc_us-gaap_DebtInstrumentLineItems_78f25858-ddc9-400b-9a02-97d18cf0c921" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConvertibleDebtActivityRollForward_efe3c441-381f-4964-b024-594f3338fb08" xlink:href="upst-20240930.xsd#upst_ConvertibleDebtActivityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_78f25858-ddc9-400b-9a02-97d18cf0c921" xlink:to="loc_upst_ConvertibleDebtActivityRollForward_efe3c441-381f-4964-b024-594f3338fb08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_8060dde5-ecbe-4df8-9c77-64255007fc1e" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ConvertibleDebtActivityRollForward_efe3c441-381f-4964-b024-594f3338fb08" xlink:to="loc_upst_LongTermAndShortTermDebtGross_8060dde5-ecbe-4df8-9c77-64255007fc1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromConvertibleDebt_0210852d-905d-477e-bf74-e6801ed8ab21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromConvertibleDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ConvertibleDebtActivityRollForward_efe3c441-381f-4964-b024-594f3338fb08" xlink:to="loc_us-gaap_ProceedsFromConvertibleDebt_0210852d-905d-477e-bf74-e6801ed8ab21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfConvertibleDebt_3756ad73-aa7b-4c35-b438-ae77f3ebf11f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfConvertibleDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ConvertibleDebtActivityRollForward_efe3c441-381f-4964-b024-594f3338fb08" xlink:to="loc_us-gaap_RepaymentsOfConvertibleDebt_3756ad73-aa7b-4c35-b438-ae77f3ebf11f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LongTermAndShortTermDebtGross_d3743a34-ba62-4e95-b236-cbc3f2840aed" xlink:href="upst-20240930.xsd#upst_LongTermAndShortTermDebtGross"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ConvertibleDebtActivityRollForward_efe3c441-381f-4964-b024-594f3338fb08" xlink:to="loc_upst_LongTermAndShortTermDebtGross_d3743a34-ba62-4e95-b236-cbc3f2840aed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsNarrativeDetails" xlink:type="simple" xlink:href="upst-20240930.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_25a87322-f469-4dff-8710-ca76f098371b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:href="upst-20240930.xsd#upst_ScheduleOfBorrowingsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_25a87322-f469-4dff-8710-ca76f098371b" xlink:to="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_56bd04d5-5b30-4f3f-91bb-2f7f351db9c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:to="loc_us-gaap_DebtInstrumentAxis_56bd04d5-5b30-4f3f-91bb-2f7f351db9c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_061e075b-b10d-4260-a23d-30c9eac05907" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_56bd04d5-5b30-4f3f-91bb-2f7f351db9c6" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_061e075b-b10d-4260-a23d-30c9eac05907" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ULTWarehouseCreditFacilityUnCommittedMember_049ffe1c-8cfa-46fa-8729-d5eaa0aff85f" xlink:href="upst-20240930.xsd#upst_ULTWarehouseCreditFacilityUnCommittedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_061e075b-b10d-4260-a23d-30c9eac05907" xlink:to="loc_upst_ULTWarehouseCreditFacilityUnCommittedMember_049ffe1c-8cfa-46fa-8729-d5eaa0aff85f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentySixNotesMember_97756063-c9a0-44c7-b4d4-947c9abfe963" xlink:href="upst-20240930.xsd#upst_TwentyTwentySixNotesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_061e075b-b10d-4260-a23d-30c9eac05907" xlink:to="loc_upst_TwentyTwentySixNotesMember_97756063-c9a0-44c7-b4d4-947c9abfe963" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentyNineNotesMember_5f46e06a-97ee-4617-994a-93b8141b1f3f" xlink:href="upst-20240930.xsd#upst_TwentyTwentyNineNotesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_061e075b-b10d-4260-a23d-30c9eac05907" xlink:to="loc_upst_TwentyTwentyNineNotesMember_5f46e06a-97ee-4617-994a-93b8141b1f3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_82501b54-44e6-48c7-a955-7e61b0fa93e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:to="loc_us-gaap_CreditFacilityAxis_82501b54-44e6-48c7-a955-7e61b0fa93e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_b41f954c-6b0b-4418-baf8-1310c79d4e36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_82501b54-44e6-48c7-a955-7e61b0fa93e0" xlink:to="loc_us-gaap_CreditFacilityDomain_b41f954c-6b0b-4418-baf8-1310c79d4e36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_dedd7656-21fb-4576-b832-e88969762f88" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_b41f954c-6b0b-4418-baf8-1310c79d4e36" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_dedd7656-21fb-4576-b832-e88969762f88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_65402320-344b-4a13-a7ea-d81496b8ed94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_65402320-344b-4a13-a7ea-d81496b8ed94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_5843c540-d411-4a13-88fb-b3fec0422ac7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_65402320-344b-4a13-a7ea-d81496b8ed94" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_5843c540-d411-4a13-88fb-b3fec0422ac7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtMember_da00c60b-f2dd-4545-9ccd-4f147f98510b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConvertibleDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_5843c540-d411-4a13-88fb-b3fec0422ac7" xlink:to="loc_us-gaap_ConvertibleDebtMember_da00c60b-f2dd-4545-9ccd-4f147f98510b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConversionAxis_e20dad95-b3ef-4bec-a9e1-2477f82e946e" xlink:href="upst-20240930.xsd#upst_DebtInstrumentConversionAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:to="loc_upst_DebtInstrumentConversionAxis_e20dad95-b3ef-4bec-a9e1-2477f82e946e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConversionDomain_c917f0da-4c70-4b45-b979-6f6850a2cfec" xlink:href="upst-20240930.xsd#upst_DebtInstrumentConversionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DebtInstrumentConversionAxis_e20dad95-b3ef-4bec-a9e1-2477f82e946e" xlink:to="loc_upst_DebtInstrumentConversionDomain_c917f0da-4c70-4b45-b979-6f6850a2cfec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConversionPeriodOneMember_18b3c53b-811b-4be3-a8a8-fb236500722d" xlink:href="upst-20240930.xsd#upst_ConversionPeriodOneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DebtInstrumentConversionDomain_c917f0da-4c70-4b45-b979-6f6850a2cfec" xlink:to="loc_upst_ConversionPeriodOneMember_18b3c53b-811b-4be3-a8a8-fb236500722d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ConversionPeriodTwoMember_96b702a3-e716-4188-99c5-c47199c7ad48" xlink:href="upst-20240930.xsd#upst_ConversionPeriodTwoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_DebtInstrumentConversionDomain_c917f0da-4c70-4b45-b979-6f6850a2cfec" xlink:to="loc_upst_ConversionPeriodTwoMember_96b702a3-e716-4188-99c5-c47199c7ad48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_197718f7-3f24-403f-ae8e-5fa3cb9fafd9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_197718f7-3f24-403f-ae8e-5fa3cb9fafd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5d69d4d7-2365-40e6-b06a-2dc0026cb5cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_197718f7-3f24-403f-ae8e-5fa3cb9fafd9" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5d69d4d7-2365-40e6-b06a-2dc0026cb5cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_3d5f9a5e-4605-4daa-bd35-2667483ff058" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5d69d4d7-2365-40e6-b06a-2dc0026cb5cc" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_3d5f9a5e-4605-4daa-bd35-2667483ff058" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_006997ca-68ab-4041-be77-f111071d9a9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_006997ca-68ab-4041-be77-f111071d9a9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_a376e5ba-7992-4d1f-9f71-bfad86e77eeb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_006997ca-68ab-4041-be77-f111071d9a9d" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_a376e5ba-7992-4d1f-9f71-bfad86e77eeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_7b7a26dd-e26c-440a-87aa-c43d020a4cb4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_a376e5ba-7992-4d1f-9f71-bfad86e77eeb" xlink:to="loc_us-gaap_SubsequentEventMember_7b7a26dd-e26c-440a-87aa-c43d020a4cb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:href="upst-20240930.xsd#upst_ScheduleOfBorrowingsLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_93fcc70e-928a-4c5c-99a7-29107ee0ecdb" xlink:to="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_7cfb5b2d-c9f0-4d13-bdf1-5bccaa802e0d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_7cfb5b2d-c9f0-4d13-bdf1-5bccaa802e0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_67563b08-bc2c-42ac-bc3f-ea18e5e760f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_67563b08-bc2c-42ac-bc3f-ea18e5e760f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_b31de131-49df-42a3-b88d-99586d9230b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_b31de131-49df-42a3-b88d-99586d9230b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_d986c371-d67c-4d9b-bd52-5475d7b47e44" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_d986c371-d67c-4d9b-bd52-5475d7b47e44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_b5a5eba9-9ee6-43ff-af66-62047ac8cdc0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_b5a5eba9-9ee6-43ff-af66-62047ac8cdc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromConvertibleDebt_dfade296-0dfd-4b48-b187-fe3cdb8491f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromConvertibleDebt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_ProceedsFromConvertibleDebt_dfade296-0dfd-4b48-b187-fe3cdb8491f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentAdditionalRepurchasedFaceAmount_8787ddef-b49e-4dc8-8056-13662938da82" xlink:href="upst-20240930.xsd#upst_DebtInstrumentAdditionalRepurchasedFaceAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_upst_DebtInstrumentAdditionalRepurchasedFaceAmount_8787ddef-b49e-4dc8-8056-13662938da82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRepurchasedFaceAmount_e6b0bbf2-5666-40be-a0cd-22a11041ea68" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRepurchasedFaceAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentRepurchasedFaceAmount_e6b0bbf2-5666-40be-a0cd-22a11041ea68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_e4bf1343-2a50-46a6-aec3-2a8bb2a1f04d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_e4bf1343-2a50-46a6-aec3-2a8bb2a1f04d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionRatio1_3b263050-41de-4045-bccc-1b4bce51c6c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentConvertibleConversionRatio1"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionRatio1_3b263050-41de-4045-bccc-1b4bce51c6c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_6fd8103f-bc1c-47d1-b764-f3825591e694" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentConvertibleConversionPrice1"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_6fd8103f-bc1c-47d1-b764-f3825591e694" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdTradingDays_eefc6f1d-f241-4e2b-a610-dd9c672fdd1a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentConvertibleThresholdTradingDays"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdTradingDays_eefc6f1d-f241-4e2b-a610-dd9c672fdd1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays1_6f057725-c9cd-4c00-9c73-f3c63d1b8977" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays1"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays1_6f057725-c9cd-4c00-9c73-f3c63d1b8977" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger_46814990-9bf5-44b2-a35e-532deacfd88a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger_46814990-9bf5-44b2-a35e-532deacfd88a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleMaximumPercentageOfProductOfLastReportedSalePriceAndConversionRate_12a7e6a8-6390-453f-9018-3c7acdce3eac" xlink:href="upst-20240930.xsd#upst_DebtInstrumentConvertibleMaximumPercentageOfProductOfLastReportedSalePriceAndConversionRate"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_upst_DebtInstrumentConvertibleMaximumPercentageOfProductOfLastReportedSalePriceAndConversionRate_12a7e6a8-6390-453f-9018-3c7acdce3eac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsGross_0077f7f1-8954-4f1f-a6f2-0b03335b51e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredFinanceCostsGross"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DeferredFinanceCostsGross_0077f7f1-8954-4f1f-a6f2-0b03335b51e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_b669f460-b16a-4d52-8c81-c34d5b81559b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateEffectivePercentage"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_b669f460-b16a-4d52-8c81-c34d5b81559b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDebt_e1567d08-10b6-4145-8940-833af1fb6b7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseDebt"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_InterestExpenseDebt_e1567d08-10b6-4145-8940-833af1fb6b7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_3aaaebdc-f06f-49ce-8c47-16f48735f1aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_3aaaebdc-f06f-49ce-8c47-16f48735f1aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfConvertibleDebt_ee3e7926-f315-4867-a484-ea4229ceb889" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfConvertibleDebt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_us-gaap_RepaymentsOfConvertibleDebt_ee3e7926-f315-4867-a484-ea4229ceb889" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_PaymentsForCappedCalls_0f2434d2-0524-4cfb-8fb7-238efad8cc13" xlink:href="upst-20240930.xsd#upst_PaymentsForCappedCalls"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_ad96aa72-8e46-4247-993b-37c9ba695f9d" xlink:to="loc_upst_PaymentsForCappedCalls_0f2434d2-0524-4cfb-8fb7-238efad8cc13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsConvertibleSeniorNotesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BorrowingsConvertibleSeniorNotesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsConvertibleSeniorNotesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_7ad4c55b-386c-4b75-8047-7df2405a11c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_8996eb31-a019-4d18-8daf-9a457e59391f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7ad4c55b-386c-4b75-8047-7df2405a11c2" xlink:to="loc_us-gaap_DebtInstrumentTable_8996eb31-a019-4d18-8daf-9a457e59391f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_5d0f38ac-0e11-411c-bc8c-89ed996d6a70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8996eb31-a019-4d18-8daf-9a457e59391f" xlink:to="loc_us-gaap_DebtInstrumentAxis_5d0f38ac-0e11-411c-bc8c-89ed996d6a70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_412cbd91-39d1-41da-a67c-83a76480f7f8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_5d0f38ac-0e11-411c-bc8c-89ed996d6a70" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_412cbd91-39d1-41da-a67c-83a76480f7f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentySixNotesMember_e99c8a33-9745-49c2-a1e0-4a1aecc351d1" xlink:href="upst-20240930.xsd#upst_TwentyTwentySixNotesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_412cbd91-39d1-41da-a67c-83a76480f7f8" xlink:to="loc_upst_TwentyTwentySixNotesMember_e99c8a33-9745-49c2-a1e0-4a1aecc351d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentyNineNotesMember_2051871f-c1e3-4847-9356-8a359c9bb176" xlink:href="upst-20240930.xsd#upst_TwentyTwentyNineNotesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_412cbd91-39d1-41da-a67c-83a76480f7f8" xlink:to="loc_upst_TwentyTwentyNineNotesMember_2051871f-c1e3-4847-9356-8a359c9bb176" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_b2919732-227e-44e1-9402-69e36dc3615a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8996eb31-a019-4d18-8daf-9a457e59391f" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_b2919732-227e-44e1-9402-69e36dc3615a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_9b8aff3f-5dc2-45f7-963c-13b8e67e316e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_b2919732-227e-44e1-9402-69e36dc3615a" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_9b8aff3f-5dc2-45f7-963c-13b8e67e316e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtMember_1809b5a0-9df1-4c60-84c1-9b584d7fcfa2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConvertibleDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_9b8aff3f-5dc2-45f7-963c-13b8e67e316e" xlink:to="loc_us-gaap_ConvertibleDebtMember_1809b5a0-9df1-4c60-84c1-9b584d7fcfa2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_1fd5f908-13d3-4ec2-b53d-905facb0ee94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8996eb31-a019-4d18-8daf-9a457e59391f" xlink:to="loc_us-gaap_DebtInstrumentLineItems_1fd5f908-13d3-4ec2-b53d-905facb0ee94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_d680c122-f2c1-46b3-99e6-df8d0419a6bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1fd5f908-13d3-4ec2-b53d-905facb0ee94" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_d680c122-f2c1-46b3-99e6-df8d0419a6bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_6969e40c-e716-47e0-8e9c-aa5c9f28e2ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1fd5f908-13d3-4ec2-b53d-905facb0ee94" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_6969e40c-e716-47e0-8e9c-aa5c9f28e2ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_f424e892-3bf5-4b63-a9fa-9670b23eb514" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1fd5f908-13d3-4ec2-b53d-905facb0ee94" xlink:to="loc_us-gaap_LongTermDebt_f424e892-3bf5-4b63-a9fa-9670b23eb514" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFairValue_cc925741-73bb-4d56-9140-94c0db4dda27" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1fd5f908-13d3-4ec2-b53d-905facb0ee94" xlink:to="loc_us-gaap_DebtInstrumentFairValue_cc925741-73bb-4d56-9140-94c0db4dda27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/BorrowingsCappedCallTransactionsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#BorrowingsCappedCallTransactionsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/BorrowingsCappedCallTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_08070ec8-27b8-4eba-b89c-a495981ea2e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsTable_94cc19ca-7495-4b57-a281-3834c43dadf8" xlink:href="upst-20240930.xsd#upst_ScheduleOfBorrowingsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_08070ec8-27b8-4eba-b89c-a495981ea2e4" xlink:to="loc_upst_ScheduleOfBorrowingsTable_94cc19ca-7495-4b57-a281-3834c43dadf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_61d59e13-d9fb-4b1b-9649-845e82331950" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_94cc19ca-7495-4b57-a281-3834c43dadf8" xlink:to="loc_us-gaap_DebtInstrumentAxis_61d59e13-d9fb-4b1b-9649-845e82331950" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_adb9cc24-e631-4842-8e6a-d6a7a4d46ce4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_61d59e13-d9fb-4b1b-9649-845e82331950" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_adb9cc24-e631-4842-8e6a-d6a7a4d46ce4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentySixNotesMember_ba2db43c-4825-4b59-9394-4015514f24f1" xlink:href="upst-20240930.xsd#upst_TwentyTwentySixNotesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_adb9cc24-e631-4842-8e6a-d6a7a4d46ce4" xlink:to="loc_upst_TwentyTwentySixNotesMember_ba2db43c-4825-4b59-9394-4015514f24f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_TwentyTwentyNineNotesMember_cff62bcf-bca9-4f6f-899d-dc7c088d1d70" xlink:href="upst-20240930.xsd#upst_TwentyTwentyNineNotesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_adb9cc24-e631-4842-8e6a-d6a7a4d46ce4" xlink:to="loc_upst_TwentyTwentyNineNotesMember_cff62bcf-bca9-4f6f-899d-dc7c088d1d70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ScheduleOfBorrowingsLineItems_8746f2e2-3e5c-4c65-b49a-a54cd7fd85f0" xlink:href="upst-20240930.xsd#upst_ScheduleOfBorrowingsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsTable_94cc19ca-7495-4b57-a281-3834c43dadf8" xlink:to="loc_upst_ScheduleOfBorrowingsLineItems_8746f2e2-3e5c-4c65-b49a-a54cd7fd85f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleCappedCallsInitialStrikePrice_e59952da-af12-4c43-9e22-0747615eaff1" xlink:href="upst-20240930.xsd#upst_DebtInstrumentConvertibleCappedCallsInitialStrikePrice"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_8746f2e2-3e5c-4c65-b49a-a54cd7fd85f0" xlink:to="loc_upst_DebtInstrumentConvertibleCappedCallsInitialStrikePrice_e59952da-af12-4c43-9e22-0747615eaff1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleCappedCallsInitialCapPrice_67cb5020-4eb8-482b-8336-21f6370da993" xlink:href="upst-20240930.xsd#upst_DebtInstrumentConvertibleCappedCallsInitialCapPrice"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_8746f2e2-3e5c-4c65-b49a-a54cd7fd85f0" xlink:to="loc_upst_DebtInstrumentConvertibleCappedCallsInitialCapPrice_67cb5020-4eb8-482b-8336-21f6370da993" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DebtInstrumentConvertibleCappedCallsNumberOfSharesOfCommonStockCovered_bc82f0ec-d752-4566-b254-843f56dc4577" xlink:href="upst-20240930.xsd#upst_DebtInstrumentConvertibleCappedCallsNumberOfSharesOfCommonStockCovered"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ScheduleOfBorrowingsLineItems_8746f2e2-3e5c-4c65-b49a-a54cd7fd85f0" xlink:to="loc_upst_DebtInstrumentConvertibleCappedCallsNumberOfSharesOfCommonStockCovered_bc82f0ec-d752-4566-b254-843f56dc4577" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquityScheduleofReservedSharesofCommonStockforIssuanceDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquityScheduleofReservedSharesofCommonStockforIssuanceDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquityScheduleofReservedSharesofCommonStockforIssuanceDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4b42103c-3cab-4673-9ac8-27d76b8612a2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_2748cf11-19eb-41af-bc74-5f1d62fb52ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_4b42103c-3cab-4673-9ac8-27d76b8612a2" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_2748cf11-19eb-41af-bc74-5f1d62fb52ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_5e725627-d4fc-4409-bea8-e0068c46d90e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_2748cf11-19eb-41af-bc74-5f1d62fb52ed" xlink:to="loc_us-gaap_AwardTypeAxis_5e725627-d4fc-4409-bea8-e0068c46d90e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_997495aa-da91-458b-a240-1be91d43fb2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_5e725627-d4fc-4409-bea8-e0068c46d90e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_997495aa-da91-458b-a240-1be91d43fb2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_516e6e77-2f6a-4e8d-835a-9b4e40d2082a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_997495aa-da91-458b-a240-1be91d43fb2a" xlink:to="loc_us-gaap_EmployeeStockOptionMember_516e6e77-2f6a-4e8d-835a-9b4e40d2082a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_52958666-03e6-46f7-9c3a-68a0453ba469" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_997495aa-da91-458b-a240-1be91d43fb2a" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_52958666-03e6-46f7-9c3a-68a0453ba469" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_297bd48a-d510-4142-8af4-a855397ed42e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_997495aa-da91-458b-a240-1be91d43fb2a" xlink:to="loc_us-gaap_EmployeeStockMember_297bd48a-d510-4142-8af4-a855397ed42e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_e357b4ac-8747-4b4a-92b5-f6f4d8e7ba12" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_2748cf11-19eb-41af-bc74-5f1d62fb52ed" xlink:to="loc_us-gaap_PlanNameAxis_e357b4ac-8747-4b4a-92b5-f6f4d8e7ba12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_41bfb9ca-77a9-4933-9540-9ca6fc80e004" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameAxis_e357b4ac-8747-4b4a-92b5-f6f4d8e7ba12" xlink:to="loc_us-gaap_PlanNameDomain_41bfb9ca-77a9-4933-9540-9ca6fc80e004" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_A2020EquityIncentivePlanMember_1351ce89-0218-4856-9e56-98b96810e352" xlink:href="upst-20240930.xsd#upst_A2020EquityIncentivePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_41bfb9ca-77a9-4933-9540-9ca6fc80e004" xlink:to="loc_upst_A2020EquityIncentivePlanMember_1351ce89-0218-4856-9e56-98b96810e352" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_d9effebf-135d-46a0-a2c5-c541435506ee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_2748cf11-19eb-41af-bc74-5f1d62fb52ed" xlink:to="loc_us-gaap_StatementClassOfStockAxis_d9effebf-135d-46a0-a2c5-c541435506ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_d14c4228-784b-4af7-96bf-14bbe106fba2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_d9effebf-135d-46a0-a2c5-c541435506ee" xlink:to="loc_us-gaap_ClassOfStockDomain_d14c4228-784b-4af7-96bf-14bbe106fba2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_0478d64c-5e8d-40f7-95ea-c28478fb2cee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_d14c4228-784b-4af7-96bf-14bbe106fba2" xlink:to="loc_us-gaap_CommonClassAMember_0478d64c-5e8d-40f7-95ea-c28478fb2cee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_86e672a9-db35-41cd-bed9-77def128d014" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_2748cf11-19eb-41af-bc74-5f1d62fb52ed" xlink:to="loc_us-gaap_ClassOfStockLineItems_86e672a9-db35-41cd-bed9-77def128d014" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_ef34b283-f994-4473-bbc4-07528de396fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_86e672a9-db35-41cd-bed9-77def128d014" xlink:to="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_ef34b283-f994-4473-bbc4-07528de396fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquityNarrativeDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquityNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquityNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_20dd356e-79f8-4a28-bdc3-ed9dc0e426f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_be3cc291-c495-4d57-9103-caf994358a04" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_20dd356e-79f8-4a28-bdc3-ed9dc0e426f9" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_be3cc291-c495-4d57-9103-caf994358a04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_0d0595e1-5468-43f7-9c37-2853ebe9e4cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_be3cc291-c495-4d57-9103-caf994358a04" xlink:to="loc_us-gaap_AwardTypeAxis_0d0595e1-5468-43f7-9c37-2853ebe9e4cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7495ba5b-4929-4bc4-bba5-6f99e734e130" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_0d0595e1-5468-43f7-9c37-2853ebe9e4cd" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7495ba5b-4929-4bc4-bba5-6f99e734e130" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_77a3112f-3b68-4b95-974a-455d6886128a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7495ba5b-4929-4bc4-bba5-6f99e734e130" xlink:to="loc_us-gaap_EmployeeStockOptionMember_77a3112f-3b68-4b95-974a-455d6886128a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_2bc1f2ef-bec6-410c-a057-6f2cb2015916" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7495ba5b-4929-4bc4-bba5-6f99e734e130" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_2bc1f2ef-bec6-410c-a057-6f2cb2015916" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_e41160cd-95ca-4558-8f52-22c5807617c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7495ba5b-4929-4bc4-bba5-6f99e734e130" xlink:to="loc_us-gaap_RestrictedStockMember_e41160cd-95ca-4558-8f52-22c5807617c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_19ed1847-7ace-4363-a90a-33252b7f0445" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7495ba5b-4929-4bc4-bba5-6f99e734e130" xlink:to="loc_us-gaap_PerformanceSharesMember_19ed1847-7ace-4363-a90a-33252b7f0445" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_991544c2-1d20-4f57-9733-e4bb4f4576cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7495ba5b-4929-4bc4-bba5-6f99e734e130" xlink:to="loc_us-gaap_EmployeeStockMember_991544c2-1d20-4f57-9733-e4bb4f4576cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_8d4a72c1-663a-4ee7-aa56-ce5b4b31a2bc" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_be3cc291-c495-4d57-9103-caf994358a04" xlink:to="loc_srt_RangeAxis_8d4a72c1-663a-4ee7-aa56-ce5b4b31a2bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_9e66eedd-fc1e-4957-b1c6-75d3c7f48c88" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_8d4a72c1-663a-4ee7-aa56-ce5b4b31a2bc" xlink:to="loc_srt_RangeMember_9e66eedd-fc1e-4957-b1c6-75d3c7f48c88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7dac2af4-cb3c-4554-8cf9-ecd25598e17d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_9e66eedd-fc1e-4957-b1c6-75d3c7f48c88" xlink:to="loc_srt_MinimumMember_7dac2af4-cb3c-4554-8cf9-ecd25598e17d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_c71703f6-84d8-4baf-a9c4-925d9e69b5a1" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_9e66eedd-fc1e-4957-b1c6-75d3c7f48c88" xlink:to="loc_srt_MaximumMember_c71703f6-84d8-4baf-a9c4-925d9e69b5a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_41a6fc82-faeb-4fe0-bb58-bde27da7001f" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_9e66eedd-fc1e-4957-b1c6-75d3c7f48c88" xlink:to="loc_srt_WeightedAverageMember_41a6fc82-faeb-4fe0-bb58-bde27da7001f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_c5424ebc-1679-446b-8666-e54f5644c271" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_be3cc291-c495-4d57-9103-caf994358a04" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_c5424ebc-1679-446b-8666-e54f5644c271" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_c7a2ed81-69f4-4b7c-8aa1-785cca9c66f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_c5424ebc-1679-446b-8666-e54f5644c271" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_c7a2ed81-69f4-4b7c-8aa1-785cca9c66f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ProdigySoftwareIncMember_319aad0d-5e68-4c7e-85f2-283ab98830f5" xlink:href="upst-20240930.xsd#upst_ProdigySoftwareIncMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_c7a2ed81-69f4-4b7c-8aa1-785cca9c66f6" xlink:to="loc_upst_ProdigySoftwareIncMember_319aad0d-5e68-4c7e-85f2-283ab98830f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_9df8e22c-f5a9-4d7a-9116-bf9119c6e9c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_be3cc291-c495-4d57-9103-caf994358a04" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_9df8e22c-f5a9-4d7a-9116-bf9119c6e9c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_37c124eb-0f17-4fcb-8ea3-08f371aef18f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_9df8e22c-f5a9-4d7a-9116-bf9119c6e9c1" xlink:to="loc_us-gaap_EquityComponentDomain_37c124eb-0f17-4fcb-8ea3-08f371aef18f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_dd21b8c5-e480-4c2f-9995-d65093fd105a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_37c124eb-0f17-4fcb-8ea3-08f371aef18f" xlink:to="loc_us-gaap_CommonStockMember_dd21b8c5-e480-4c2f-9995-d65093fd105a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_be3cc291-c495-4d57-9103-caf994358a04" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_933ea6c0-2a66-4b52-bbc1-6d8ba294f05f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_933ea6c0-2a66-4b52-bbc1-6d8ba294f05f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_2792e498-17cf-41a1-b8b7-5427296e4227" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_2792e498-17cf-41a1-b8b7-5427296e4227" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1_69fd2a6a-2b4a-41fc-9405-f02734d2c5b0" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_srt_StockRepurchaseProgramAuthorizedAmount1_69fd2a6a-2b4a-41fc-9405-f02734d2c5b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_848622bc-9733-4b88-94e7-7b60aec5cc63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_848622bc-9733-4b88-94e7-7b60aec5cc63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_c1281daa-3af8-43fd-be5e-27ef85bdea99" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_c1281daa-3af8-43fd-be5e-27ef85bdea99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_d176feb7-2d8e-4919-b3d7-2d8059aa7e85" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_d176feb7-2d8e-4919-b3d7-2d8059aa7e85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_acec570f-c336-47d7-9d44-1d092e2fd878" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_acec570f-c336-47d7-9d44-1d092e2fd878" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1_d9ee7913-7843-4e9c-9a20-17e23bb8b280" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1_d9ee7913-7843-4e9c-9a20-17e23bb8b280" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_c23088a5-aab3-43b6-80eb-b2935ae2a79e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_c23088a5-aab3-43b6-80eb-b2935ae2a79e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_0510c2b3-3444-45ef-9a80-ce63f40fb8a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_0510c2b3-3444-45ef-9a80-ce63f40fb8a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_54bd9953-3d6b-48f5-815d-d286a3276b24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_54bd9953-3d6b-48f5-815d-d286a3276b24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_cbc95fa8-6955-47e1-b993-f7714185739e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_cbc95fa8-6955-47e1-b993-f7714185739e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross_f2eb6630-b9c2-4985-b171-06af42474588" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardGross_f2eb6630-b9c2-4985-b171-06af42474588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_7e8fe36e-a42d-485a-b86e-b696d8215ebd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross_7e8fe36e-a42d-485a-b86e-b696d8215ebd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_486e6452-2a2e-41e5-b58d-56293708a5a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_486e6452-2a2e-41e5-b58d-56293708a5a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementAwardsCancelledSettlementInShares_bd994aec-cdcf-4e40-bce6-84e9f8c1c051" xlink:href="upst-20240930.xsd#upst_ShareBasedCompensationArrangementAwardsCancelledSettlementInShares"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_upst_ShareBasedCompensationArrangementAwardsCancelledSettlementInShares_bd994aec-cdcf-4e40-bce6-84e9f8c1c051" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_AnnualTargetBonusOpportunityPercentageOfSalaryPercent_6a19f54f-6502-4fc9-b44d-4256cd8968c7" xlink:href="upst-20240930.xsd#upst_AnnualTargetBonusOpportunityPercentageOfSalaryPercent"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_upst_AnnualTargetBonusOpportunityPercentageOfSalaryPercent_6a19f54f-6502-4fc9-b44d-4256cd8968c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingTranches_6bef8f2b-6c98-43f1-a47f-e02803427eff" xlink:href="upst-20240930.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingTranches"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingTranches_6bef8f2b-6c98-43f1-a47f-e02803427eff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a43ea309-6953-442b-ad0b-b62e17b8afe3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a43ea309-6953-442b-ad0b-b62e17b8afe3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod_f41cf164-498c-423c-ac6d-1abb5565917c" xlink:href="upst-20240930.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod_f41cf164-498c-423c-ac6d-1abb5565917c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent_e83db8dc-d52d-4e99-912b-ef3352c61449" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent_e83db8dc-d52d-4e99-912b-ef3352c61449" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_ebc18784-f32e-46c1-be29-75614ed3a734" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_ebc18784-f32e-46c1-be29-75614ed3a734" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_44579434-a544-4be5-a1a9-b284cb4666db" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e3458bab-8dc6-416c-b6a1-0d17bf701636" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_44579434-a544-4be5-a1a9-b284cb4666db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquityScheduleofStockOptionActivityDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquityScheduleofStockOptionActivityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquityScheduleofStockOptionActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_9ffd9db0-f692-4916-9ae2-b480fa48d58a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_9ffd9db0-f692-4916-9ae2-b480fa48d58a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_5889bbd6-0048-4c4c-ade6-0de0648c6851" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_9ffd9db0-f692-4916-9ae2-b480fa48d58a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_5889bbd6-0048-4c4c-ade6-0de0648c6851" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_b2695cf2-2378-41cd-a09c-537f0d7819f1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_9ffd9db0-f692-4916-9ae2-b480fa48d58a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_b2695cf2-2378-41cd-a09c-537f0d7819f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_b6eb3033-4d79-453a-a5dc-80ad3a390040" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_9ffd9db0-f692-4916-9ae2-b480fa48d58a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_b6eb3033-4d79-453a-a5dc-80ad3a390040" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod_4c226858-6e36-4e90-a65c-fd2bea29b0dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_9ffd9db0-f692-4916-9ae2-b480fa48d58a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod_4c226858-6e36-4e90-a65c-fd2bea29b0dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_bdca11cd-9282-4acc-b484-f4e3e8bfd0c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_9ffd9db0-f692-4916-9ae2-b480fa48d58a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_bdca11cd-9282-4acc-b484-f4e3e8bfd0c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_157734f1-530b-4d3b-9e3b-58a61b6b16b7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_157734f1-530b-4d3b-9e3b-58a61b6b16b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_8f9a713f-c8f7-46c0-8e7f-37310a66d359" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_8f9a713f-c8f7-46c0-8e7f-37310a66d359" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_2633c1b2-109c-4090-bd3c-8079c16e2159" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_2633c1b2-109c-4090-bd3c-8079c16e2159" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_2f405eb6-9c07-4436-8c1a-bbb4bc3a0377" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_2633c1b2-109c-4090-bd3c-8079c16e2159" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_2f405eb6-9c07-4436-8c1a-bbb4bc3a0377" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_a4611351-a803-4e68-813a-6585ced39501" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_2633c1b2-109c-4090-bd3c-8079c16e2159" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_a4611351-a803-4e68-813a-6585ced39501" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_a7a04d28-446a-43dd-afc4-ef30a7cc1dc3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_2633c1b2-109c-4090-bd3c-8079c16e2159" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_a7a04d28-446a-43dd-afc4-ef30a7cc1dc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_4179aac8-53b9-4fbc-93f1-8ec1c59741f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_2633c1b2-109c-4090-bd3c-8079c16e2159" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_4179aac8-53b9-4fbc-93f1-8ec1c59741f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_19b30407-8f8a-4aa3-a585-78494a2a8d2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_2633c1b2-109c-4090-bd3c-8079c16e2159" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_19b30407-8f8a-4aa3-a585-78494a2a8d2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_c331a9d6-f67c-4ce5-aac5-0d9e7a865cd7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_c331a9d6-f67c-4ce5-aac5-0d9e7a865cd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_81d0dbf9-02d2-444e-b5bc-dbd3d21732a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_81d0dbf9-02d2-444e-b5bc-dbd3d21732a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_53311ac4-2e43-48b0-ad41-aed91eee1b50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_53311ac4-2e43-48b0-ad41-aed91eee1b50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_5c6ef76e-7290-4edb-a828-98f02bf48102" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_53311ac4-2e43-48b0-ad41-aed91eee1b50" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_5c6ef76e-7290-4edb-a828-98f02bf48102" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_4a6cc4bd-a8f0-4a49-aafb-07d7fff20fef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_53311ac4-2e43-48b0-ad41-aed91eee1b50" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_4a6cc4bd-a8f0-4a49-aafb-07d7fff20fef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_1f932bca-1842-43ed-b34b-141d566d975e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_53311ac4-2e43-48b0-ad41-aed91eee1b50" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_1f932bca-1842-43ed-b34b-141d566d975e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract_e451e4da-bb45-4543-b6b8-d2f448989946" xlink:href="upst-20240930.xsd#upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_8cc63bad-cbb5-4a86-ab94-45293aad5a40" xlink:to="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract_e451e4da-bb45-4543-b6b8-d2f448989946" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_a1b59129-1040-4d7a-ab22-6bc25d2a7987" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract_e451e4da-bb45-4543-b6b8-d2f448989946" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_a1b59129-1040-4d7a-ab22-6bc25d2a7987" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_4622d0e2-bdf5-4788-85fa-268160d268c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract_e451e4da-bb45-4543-b6b8-d2f448989946" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_4622d0e2-bdf5-4788-85fa-268160d268c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_5c690cc2-9ebb-4e74-82dc-8f67bb54e190" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_upst_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract_e451e4da-bb45-4543-b6b8-d2f448989946" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_5c690cc2-9ebb-4e74-82dc-8f67bb54e190" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquityScheduleofRSUActivityDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquityScheduleofRSUActivityDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquityScheduleofRSUActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_2076e04f-d3cd-4278-acf6-a62d68189581" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_12d3a048-a8de-4a9d-b395-cb57b2ced209" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_2076e04f-d3cd-4278-acf6-a62d68189581" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_12d3a048-a8de-4a9d-b395-cb57b2ced209" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_161cb505-7703-4631-a669-2d061bbfd8a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_12d3a048-a8de-4a9d-b395-cb57b2ced209" xlink:to="loc_us-gaap_AwardTypeAxis_161cb505-7703-4631-a669-2d061bbfd8a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_6906965a-afcc-4d9e-b792-85e51f222b30" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_161cb505-7703-4631-a669-2d061bbfd8a9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_6906965a-afcc-4d9e-b792-85e51f222b30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_c702c99c-f78c-4546-88c2-2050f9535f74" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_6906965a-afcc-4d9e-b792-85e51f222b30" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_c702c99c-f78c-4546-88c2-2050f9535f74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_daf70c7b-fe77-4130-9ec9-bb272335003c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_12d3a048-a8de-4a9d-b395-cb57b2ced209" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_daf70c7b-fe77-4130-9ec9-bb272335003c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a3d9ae6-3db8-4269-9a56-0dcc67d26164" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_daf70c7b-fe77-4130-9ec9-bb272335003c" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a3d9ae6-3db8-4269-9a56-0dcc67d26164" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_e436951e-5b18-40ef-94f5-62eeb59321e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a3d9ae6-3db8-4269-9a56-0dcc67d26164" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_e436951e-5b18-40ef-94f5-62eeb59321e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_6331a867-289f-4e85-8d9c-25ea128babed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a3d9ae6-3db8-4269-9a56-0dcc67d26164" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_6331a867-289f-4e85-8d9c-25ea128babed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_2c44fae3-addc-47d4-9a24-26dbeb9d25e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a3d9ae6-3db8-4269-9a56-0dcc67d26164" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_2c44fae3-addc-47d4-9a24-26dbeb9d25e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_e12f1886-de5a-47cb-90c0-91663fd1b699" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a3d9ae6-3db8-4269-9a56-0dcc67d26164" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_e12f1886-de5a-47cb-90c0-91663fd1b699" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_f6445710-3503-4d43-88da-c34d823dc9a1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a3d9ae6-3db8-4269-9a56-0dcc67d26164" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_f6445710-3503-4d43-88da-c34d823dc9a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_702b5d13-5fc6-45a0-a686-02793e7bcdea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_daf70c7b-fe77-4130-9ec9-bb272335003c" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_702b5d13-5fc6-45a0-a686-02793e7bcdea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_894ba6aa-33f5-45a5-bc32-9dfeec8bbc0c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_702b5d13-5fc6-45a0-a686-02793e7bcdea" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_894ba6aa-33f5-45a5-bc32-9dfeec8bbc0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_4e0eb93f-aa41-4ede-9db0-1898d59baeee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_702b5d13-5fc6-45a0-a686-02793e7bcdea" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_4e0eb93f-aa41-4ede-9db0-1898d59baeee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_b8aa8f04-1162-41b3-ac21-e403c29af35e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_702b5d13-5fc6-45a0-a686-02793e7bcdea" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_b8aa8f04-1162-41b3-ac21-e403c29af35e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_feb65a9b-20c3-4b01-a5f9-2c7bcb58c2f7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_702b5d13-5fc6-45a0-a686-02793e7bcdea" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_feb65a9b-20c3-4b01-a5f9-2c7bcb58c2f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_3f6f0d1f-844f-431a-9c1e-f0ca2bcf0c20" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_702b5d13-5fc6-45a0-a686-02793e7bcdea" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_3f6f0d1f-844f-431a-9c1e-f0ca2bcf0c20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquityScheduleofWeightedAverageAssumptionsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquityScheduleofWeightedAverageAssumptionsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquityScheduleofWeightedAverageAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_309263e2-3ec0-4d4e-bdc4-c04ece8b391b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d9135270-e587-4cac-a66d-d9a630bad4d3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_309263e2-3ec0-4d4e-bdc4-c04ece8b391b" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d9135270-e587-4cac-a66d-d9a630bad4d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_d7142eef-1102-48cb-9107-fdec9363fc5a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d9135270-e587-4cac-a66d-d9a630bad4d3" xlink:to="loc_us-gaap_AwardTypeAxis_d7142eef-1102-48cb-9107-fdec9363fc5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_73bdd924-d8e3-46ec-9aa8-310a25a59cb6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_d7142eef-1102-48cb-9107-fdec9363fc5a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_73bdd924-d8e3-46ec-9aa8-310a25a59cb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_ac682315-a654-4e1f-8173-17ade3a9e738" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_73bdd924-d8e3-46ec-9aa8-310a25a59cb6" xlink:to="loc_us-gaap_EmployeeStockOptionMember_ac682315-a654-4e1f-8173-17ade3a9e738" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_3cd3c25d-f063-48dd-a95b-275e0e29c6f2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_73bdd924-d8e3-46ec-9aa8-310a25a59cb6" xlink:to="loc_us-gaap_EmployeeStockMember_3cd3c25d-f063-48dd-a95b-275e0e29c6f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_862143b1-ce05-4648-ba10-994ce14efb62" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d9135270-e587-4cac-a66d-d9a630bad4d3" xlink:to="loc_srt_RangeAxis_862143b1-ce05-4648-ba10-994ce14efb62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_2b8f6598-ddb4-484a-a7d3-aeb338a2d1ba" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_862143b1-ce05-4648-ba10-994ce14efb62" xlink:to="loc_srt_RangeMember_2b8f6598-ddb4-484a-a7d3-aeb338a2d1ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_f5b386c8-54d4-408a-ab5d-3609edb88168" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2b8f6598-ddb4-484a-a7d3-aeb338a2d1ba" xlink:to="loc_srt_MinimumMember_f5b386c8-54d4-408a-ab5d-3609edb88168" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_713bd3a9-a179-4779-b145-0871c7e2f559" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2b8f6598-ddb4-484a-a7d3-aeb338a2d1ba" xlink:to="loc_srt_MaximumMember_713bd3a9-a179-4779-b145-0871c7e2f559" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d9135270-e587-4cac-a66d-d9a630bad4d3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_4c9c8c09-b32f-4b24-baa3-96ef0e49a65d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_4c9c8c09-b32f-4b24-baa3-96ef0e49a65d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_4d50a5e7-d79b-463b-9cdc-ea66f6c28632" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_4d50a5e7-d79b-463b-9cdc-ea66f6c28632" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_aebc9fad-7df7-4323-af40-706df5cb8fcc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_aebc9fad-7df7-4323-af40-706df5cb8fcc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_95df632c-da4a-4b03-bbee-9764944d8191" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_95df632c-da4a-4b03-bbee-9764944d8191" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_eba47e18-3532-40ff-92f4-fa34ef07493e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_eba47e18-3532-40ff-92f4-fa34ef07493e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum_9c1c07ae-4fcb-4ae3-9b98-15791386c6d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum_9c1c07ae-4fcb-4ae3-9b98-15791386c6d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum_79ea950f-dd10-4d75-8b4a-ffcebbf72bff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum_79ea950f-dd10-4d75-8b4a-ffcebbf72bff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_71743f29-93cb-412f-b9b2-692b6c4f2e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a586b9c0-cacc-4443-9020-732b3580ee4a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_71743f29-93cb-412f-b9b2-692b6c4f2e5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/StockholdersEquityScheduleofStockbasedCompensationExpenseDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#StockholdersEquityScheduleofStockbasedCompensationExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/StockholdersEquityScheduleofStockbasedCompensationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f3f9882a-4747-4340-b067-66af809aae79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_e1ff0af5-a36e-4bef-9c3c-c97a44228d57" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f3f9882a-4747-4340-b067-66af809aae79" xlink:to="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_e1ff0af5-a36e-4bef-9c3c-c97a44228d57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_ab557dc6-1498-41c8-90ec-8d374946e5fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_e1ff0af5-a36e-4bef-9c3c-c97a44228d57" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_ab557dc6-1498-41c8-90ec-8d374946e5fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_c9de40c0-713f-4f45-97bf-d3cf8e97b70f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_ab557dc6-1498-41c8-90ec-8d374946e5fe" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_c9de40c0-713f-4f45-97bf-d3cf8e97b70f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpenseMember_6d0ec53e-7256-4937-ae44-b672d7867520" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SellingAndMarketingExpenseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_c9de40c0-713f-4f45-97bf-d3cf8e97b70f" xlink:to="loc_us-gaap_SellingAndMarketingExpenseMember_6d0ec53e-7256-4937-ae44-b672d7867520" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_CustomerOperationsMember_7da66b36-cc5e-4dff-bec5-5c2b0c05ec08" xlink:href="upst-20240930.xsd#upst_CustomerOperationsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_c9de40c0-713f-4f45-97bf-d3cf8e97b70f" xlink:to="loc_upst_CustomerOperationsMember_7da66b36-cc5e-4dff-bec5-5c2b0c05ec08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_EngineeringAndProductDevelopmentMember_fbc229cc-860d-43c3-8d20-47ebeb38af20" xlink:href="upst-20240930.xsd#upst_EngineeringAndProductDevelopmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_c9de40c0-713f-4f45-97bf-d3cf8e97b70f" xlink:to="loc_upst_EngineeringAndProductDevelopmentMember_fbc229cc-860d-43c3-8d20-47ebeb38af20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpenseMember_54a0cfe4-8795-4804-bd7b-446514cc1e63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GeneralAndAdministrativeExpenseMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_c9de40c0-713f-4f45-97bf-d3cf8e97b70f" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpenseMember_54a0cfe4-8795-4804-bd7b-446514cc1e63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_0afeb9bd-9f5d-47f0-88cd-f39ff0dc7c44" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTable_e1ff0af5-a36e-4bef-9c3c-c97a44228d57" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_0afeb9bd-9f5d-47f0-88cd-f39ff0dc7c44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_3412f4a9-268b-4d33-a96c-a2cf55ffa432" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsLineItems_0afeb9bd-9f5d-47f0-88cd-f39ff0dc7c44" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_3412f4a9-268b-4d33-a96c-a2cf55ffa432" 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-20240930.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_569d8615-bc04-4bc6-a295-fd03ffda8d0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LettersOfCreditOutstandingAmount_502aa0eb-54ff-450e-8b6b-56b1108aaacf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LettersOfCreditOutstandingAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_569d8615-bc04-4bc6-a295-fd03ffda8d0a" xlink:to="loc_us-gaap_LettersOfCreditOutstandingAmount_502aa0eb-54ff-450e-8b6b-56b1108aaacf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubleaseIncome_98e38f83-3969-48d4-a35c-0c6d640d5600" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubleaseIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_569d8615-bc04-4bc6-a295-fd03ffda8d0a" xlink:to="loc_us-gaap_SubleaseIncome_98e38f83-3969-48d4-a35c-0c6d640d5600" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/LeasesScheduleofFutureMinimumLeasePaymentsDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#LeasesScheduleofFutureMinimumLeasePaymentsDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/LeasesScheduleofFutureMinimumLeasePaymentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_18894a08-016c-4967-b629-79b34e315974" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_18894a08-016c-4967-b629-79b34e315974" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c41e52fe-edf2-466d-acdf-0231e8ec6ec4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c41e52fe-edf2-466d-acdf-0231e8ec6ec4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_b74f5f01-a4e7-4c6b-9b2a-0ceb00a49da6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_b74f5f01-a4e7-4c6b-9b2a-0ceb00a49da6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_8ecd1f72-e9d5-476b-b49b-e614b0d8fe0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_8ecd1f72-e9d5-476b-b49b-e614b0d8fe0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_41f252e8-9a0b-4dac-b67f-a11eb4265af6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_41f252e8-9a0b-4dac-b67f-a11eb4265af6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour_f21bd8cc-b72f-40b3-8615-47b72ee68273" xlink:href="upst-20240930.xsd#upst_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_upst_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour_f21bd8cc-b72f-40b3-8615-47b72ee68273" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b0e70b9d-24dd-418d-8c94-e4fea77d0022" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_b0e70b9d-24dd-418d-8c94-e4fea77d0022" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_73f1c306-9a3d-4874-bfc8-51687f3c6756" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_73f1c306-9a3d-4874-bfc8-51687f3c6756" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_8d430e7c-c80c-4fb0-9759-f9d33111669e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_489db366-c44c-4abd-aace-d41032616ba7" xlink:to="loc_us-gaap_OperatingLeaseLiability_8d430e7c-c80c-4fb0-9759-f9d33111669e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/LeasesScheduleofOperatingLeaseExpenseandSupplementalCashandNoncashInformationDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#LeasesScheduleofOperatingLeaseExpenseandSupplementalCashandNoncashInformationDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/LeasesScheduleofOperatingLeaseExpenseandSupplementalCashandNoncashInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_1b7d91d1-2951-4d94-bb55-ed660c61b621" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_fd242836-9427-44fa-a674-7b550e757c56" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1b7d91d1-2951-4d94-bb55-ed660c61b621" xlink:to="loc_us-gaap_OperatingLeaseCost_fd242836-9427-44fa-a674-7b550e757c56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseCost_95dc20ac-040f-44ad-9916-2b6a2b283207" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableLeaseCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1b7d91d1-2951-4d94-bb55-ed660c61b621" xlink:to="loc_us-gaap_VariableLeaseCost_95dc20ac-040f-44ad-9916-2b6a2b283207" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasePayments_e5c8ade6-51c1-4e0d-95df-3193415192b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeasePayments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1b7d91d1-2951-4d94-bb55-ed660c61b621" xlink:to="loc_us-gaap_OperatingLeasePayments_e5c8ade6-51c1-4e0d-95df-3193415192b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_aac5aa21-c387-4c0a-b6df-26690c4f4763" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1b7d91d1-2951-4d94-bb55-ed660c61b621" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_aac5aa21-c387-4c0a-b6df-26690c4f4763" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_3e46b06c-c19e-48d2-bd71-bba528aafddb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1b7d91d1-2951-4d94-bb55-ed660c61b621" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_3e46b06c-c19e-48d2-bd71-bba528aafddb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/CommitmentsandContingenciesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#CommitmentsandContingenciesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/CommitmentsandContingenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_929bdac1-fa71-48b1-8dbf-957895c41982" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesTable_15a48d11-c502-47a9-89c6-2ae1e10fa34e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LossContingenciesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_929bdac1-fa71-48b1-8dbf-957895c41982" xlink:to="loc_us-gaap_LossContingenciesTable_15a48d11-c502-47a9-89c6-2ae1e10fa34e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_350f1cfe-e1a3-460b-88da-5f0c497914c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_15a48d11-c502-47a9-89c6-2ae1e10fa34e" xlink:to="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_350f1cfe-e1a3-460b-88da-5f0c497914c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyNatureDomain_514e7aed-fdb1-4392-96ec-54df7d254f74" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LossContingencyNatureDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_350f1cfe-e1a3-460b-88da-5f0c497914c6" xlink:to="loc_us-gaap_LossContingencyNatureDomain_514e7aed-fdb1-4392-96ec-54df7d254f74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ObligationToRepurchaseReceivablesSoldMember_c61265c3-b851-4b11-abd9-b5f40da1e79a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ObligationToRepurchaseReceivablesSoldMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_514e7aed-fdb1-4392-96ec-54df7d254f74" xlink:to="loc_us-gaap_ObligationToRepurchaseReceivablesSoldMember_c61265c3-b851-4b11-abd9-b5f40da1e79a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4ecf3404-3427-4397-90b9-7455df8c46dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_15a48d11-c502-47a9-89c6-2ae1e10fa34e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4ecf3404-3427-4397-90b9-7455df8c46dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_352a30c3-a39f-4c71-a4b4-6b34f1f62f08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4ecf3404-3427-4397-90b9-7455df8c46dd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_352a30c3-a39f-4c71-a4b4-6b34f1f62f08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_b968c581-ff7f-4478-a635-3c643accb97f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_352a30c3-a39f-4c71-a4b4-6b34f1f62f08" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_b968c581-ff7f-4478-a635-3c643accb97f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_3c4b14a8-2a75-4fa2-a228-3c8f80d1c85c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_15a48d11-c502-47a9-89c6-2ae1e10fa34e" xlink:to="loc_us-gaap_PledgedStatusAxis_3c4b14a8-2a75-4fa2-a228-3c8f80d1c85c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_7109869f-f0bf-4f62-888a-db92bddb6ec2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_3c4b14a8-2a75-4fa2-a228-3c8f80d1c85c" xlink:to="loc_us-gaap_PledgedStatusDomain_7109869f-f0bf-4f62-888a-db92bddb6ec2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_3656befb-7a44-43b9-8eb5-9a6321182a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_7109869f-f0bf-4f62-888a-db92bddb6ec2" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_3656befb-7a44-43b9-8eb5-9a6321182a7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f766b1df-d5bb-43c3-abe7-b993816b5fd4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_15a48d11-c502-47a9-89c6-2ae1e10fa34e" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f766b1df-d5bb-43c3-abe7-b993816b5fd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f26853de-7184-4efc-b34f-813d5e5c781a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f766b1df-d5bb-43c3-abe7-b993816b5fd4" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f26853de-7184-4efc-b34f-813d5e5c781a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_9f88693c-4e12-4d28-94fa-521da6a26f5a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f26853de-7184-4efc-b34f-813d5e5c781a" xlink:to="loc_us-gaap_HomeEquityMember_9f88693c-4e12-4d28-94fa-521da6a26f5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LossContingenciesLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_15a48d11-c502-47a9-89c6-2ae1e10fa34e" xlink:to="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_LossContingencyOwnershipLoanFacilitatedTerm_4d29e5c8-4907-492c-96b9-b1f269aa216b" xlink:href="upst-20240930.xsd#upst_LossContingencyOwnershipLoanFacilitatedTerm"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:to="loc_upst_LossContingencyOwnershipLoanFacilitatedTerm_4d29e5c8-4907-492c-96b9-b1f269aa216b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PurchaseObligation_884c77ef-8e1e-4cf3-b2d9-d989789fd69b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PurchaseObligation"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:to="loc_us-gaap_PurchaseObligation_884c77ef-8e1e-4cf3-b2d9-d989789fd69b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation_6af78e3d-82cc-4ab8-bf3c-47f660d95c3d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractualObligation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:to="loc_us-gaap_ContractualObligation_6af78e3d-82cc-4ab8-bf3c-47f660d95c3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_0b437caa-4f23-4921-90cf-bcd268a622bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_0b437caa-4f23-4921-90cf-bcd268a622bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyEstimateOfPossibleLoss_aad500ff-c7af-4a64-a921-d4291d034030" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LossContingencyEstimateOfPossibleLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:to="loc_us-gaap_LossContingencyEstimateOfPossibleLoss_aad500ff-c7af-4a64-a921-d4291d034030" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyAccrualPayments_df15f33f-21b6-414a-838b-1b397a4fec66" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LossContingencyAccrualPayments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_ae8c68c1-8a38-43f5-b700-9cf142b6ba2a" xlink:to="loc_us-gaap_LossContingencyAccrualPayments_df15f33f-21b6-414a-838b-1b397a4fec66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/IncomeTaxesScheduleofEffectiveTaxRatesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#IncomeTaxesScheduleofEffectiveTaxRatesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/IncomeTaxesScheduleofEffectiveTaxRatesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_8830b639-e074-4161-9170-23cabf0618d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_80eeef0e-532e-4e88-b395-dc2c7a697651" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_8830b639-e074-4161-9170-23cabf0618d7" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_80eeef0e-532e-4e88-b395-dc2c7a697651" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_acf1cf2b-e7c4-4cda-9ca0-ac5b9acd4333" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_8830b639-e074-4161-9170-23cabf0618d7" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_acf1cf2b-e7c4-4cda-9ca0-ac5b9acd4333" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetLossPerShareScheduleofNetLossPerShareDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#NetLossPerShareScheduleofNetLossPerShareDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetLossPerShareScheduleofNetLossPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_35eeb361-4b6b-4242-8e30-9b30a474b220" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_b1a8f217-7569-4a87-83d0-ce66f3f7188e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_35eeb361-4b6b-4242-8e30-9b30a474b220" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_b1a8f217-7569-4a87-83d0-ce66f3f7188e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_5dd7f58c-987a-4a51-a3a1-a59a6210585e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_b1a8f217-7569-4a87-83d0-ce66f3f7188e" xlink:to="loc_us-gaap_NetIncomeLoss_5dd7f58c-987a-4a51-a3a1-a59a6210585e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_8368352f-5206-44b4-af3c-516de2c4d5fb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_35eeb361-4b6b-4242-8e30-9b30a474b220" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_8368352f-5206-44b4-af3c-516de2c4d5fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f42a4b75-4c0f-4a6b-89a1-e83a95b33ee8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_8368352f-5206-44b4-af3c-516de2c4d5fb" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_f42a4b75-4c0f-4a6b-89a1-e83a95b33ee8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8760f1d5-6bcb-4ea0-9ef4-5b6b6575ef97" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_8368352f-5206-44b4-af3c-516de2c4d5fb" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8760f1d5-6bcb-4ea0-9ef4-5b6b6575ef97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_9d335dc8-da7e-44db-b1b2-69748f2f46b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_35eeb361-4b6b-4242-8e30-9b30a474b220" xlink:to="loc_us-gaap_EarningsPerShareBasic_9d335dc8-da7e-44db-b1b2-69748f2f46b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_ce92e9fa-1c20-444b-aefb-457e30313682" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_35eeb361-4b6b-4242-8e30-9b30a474b220" xlink:to="loc_us-gaap_EarningsPerShareDiluted_ce92e9fa-1c20-444b-aefb-457e30313682" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/NetLossPerShareScheduleofAntidilutiveSecuritiesExcludedfromComputationofEarningsPerShareDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#NetLossPerShareScheduleofAntidilutiveSecuritiesExcludedfromComputationofEarningsPerShareDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/NetLossPerShareScheduleofAntidilutiveSecuritiesExcludedfromComputationofEarningsPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_b15c818a-4f13-419e-9cd0-df9bee445d7e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_73a3cf0d-1d8b-4311-aaaa-ed6f84ac213e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_b15c818a-4f13-419e-9cd0-df9bee445d7e" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_73a3cf0d-1d8b-4311-aaaa-ed6f84ac213e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_ce83b487-980b-423d-88a0-e3b1adbc8fe0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_73a3cf0d-1d8b-4311-aaaa-ed6f84ac213e" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_ce83b487-980b-423d-88a0-e3b1adbc8fe0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_806c3c66-3ae4-4c5d-8b07-cc6e01b1fffd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_ce83b487-980b-423d-88a0-e3b1adbc8fe0" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_806c3c66-3ae4-4c5d-8b07-cc6e01b1fffd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_a06aff25-8349-44f5-8d78-15b4bf746cdc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_806c3c66-3ae4-4c5d-8b07-cc6e01b1fffd" xlink:to="loc_us-gaap_EmployeeStockOptionMember_a06aff25-8349-44f5-8d78-15b4bf746cdc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_bb332481-0a54-45f7-bf8f-6482d8481fd6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_806c3c66-3ae4-4c5d-8b07-cc6e01b1fffd" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_bb332481-0a54-45f7-bf8f-6482d8481fd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_6c211a44-c2a1-4443-afac-6a486d509c51" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_806c3c66-3ae4-4c5d-8b07-cc6e01b1fffd" xlink:to="loc_us-gaap_EmployeeStockMember_6c211a44-c2a1-4443-afac-6a486d509c51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleDebtSecuritiesMember_f3ca5737-8243-48b6-a477-140559211bdf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConvertibleDebtSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_806c3c66-3ae4-4c5d-8b07-cc6e01b1fffd" xlink:to="loc_us-gaap_ConvertibleDebtSecuritiesMember_f3ca5737-8243-48b6-a477-140559211bdf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_690ff567-dd6f-419b-b7bf-247d22b2a87b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_73a3cf0d-1d8b-4311-aaaa-ed6f84ac213e" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_690ff567-dd6f-419b-b7bf-247d22b2a87b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_113a4ef2-f0e0-4278-bb67-7770889a5e20" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_690ff567-dd6f-419b-b7bf-247d22b2a87b" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_113a4ef2-f0e0-4278-bb67-7770889a5e20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.upstartholdings.com/role/ReorganizationExpensesDetails" xlink:type="simple" xlink:href="upst-20240930.xsd#ReorganizationExpensesDetails"/>
  <link:presentationLink xlink:role="http://www.upstartholdings.com/role/ReorganizationExpensesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReorganizationsAbstract_9240691d-3ec2-4b74-9aa4-348cbe94d831" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReorganizationsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_4f1ac508-ad0e-4ba1-9bb1-b3fc47e4f352" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfRestructuringAndRelatedCostsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReorganizationsAbstract_9240691d-3ec2-4b74-9aa4-348cbe94d831" xlink:to="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_4f1ac508-ad0e-4ba1-9bb1-b3fc47e4f352" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCostAndReserveAxis_e6ba3a07-75d4-4acb-bf22-d2b2bcaa314d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringCostAndReserveAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_4f1ac508-ad0e-4ba1-9bb1-b3fc47e4f352" xlink:to="loc_us-gaap_RestructuringCostAndReserveAxis_e6ba3a07-75d4-4acb-bf22-d2b2bcaa314d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfRestructuringDomain_99bf5ee1-9322-4cc4-b2ae-0ebada1445f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TypeOfRestructuringDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestructuringCostAndReserveAxis_e6ba3a07-75d4-4acb-bf22-d2b2bcaa314d" xlink:to="loc_us-gaap_TypeOfRestructuringDomain_99bf5ee1-9322-4cc4-b2ae-0ebada1445f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeSeveranceMember_f52abfad-2dcb-4438-b94c-21b7d020bece" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeSeveranceMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfRestructuringDomain_99bf5ee1-9322-4cc4-b2ae-0ebada1445f4" xlink:to="loc_us-gaap_EmployeeSeveranceMember_f52abfad-2dcb-4438-b94c-21b7d020bece" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_ImpairmentOfIntangibleAssetsMember_0d698ce6-5584-4baf-9787-49a1f23b6903" xlink:href="upst-20240930.xsd#upst_ImpairmentOfIntangibleAssetsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfRestructuringDomain_99bf5ee1-9322-4cc4-b2ae-0ebada1445f4" xlink:to="loc_upst_ImpairmentOfIntangibleAssetsMember_0d698ce6-5584-4baf-9787-49a1f23b6903" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringPlanAxis_04bec866-980f-4e42-aaea-ab5b8cb25858" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringPlanAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_4f1ac508-ad0e-4ba1-9bb1-b3fc47e4f352" xlink:to="loc_us-gaap_RestructuringPlanAxis_04bec866-980f-4e42-aaea-ab5b8cb25858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringPlanDomain_73eb256c-5ac7-4f96-aa30-35117498faf6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringPlanDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestructuringPlanAxis_04bec866-980f-4e42-aaea-ab5b8cb25858" xlink:to="loc_us-gaap_RestructuringPlanDomain_73eb256c-5ac7-4f96-aa30-35117498faf6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_January2023PlanMember_fe1be575-fe34-44a8-b754-caf44b23c9b3" xlink:href="upst-20240930.xsd#upst_January2023PlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestructuringPlanDomain_73eb256c-5ac7-4f96-aa30-35117498faf6" xlink:to="loc_upst_January2023PlanMember_fe1be575-fe34-44a8-b754-caf44b23c9b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCostAndReserveLineItems_3da45070-c51a-41ef-84a7-9cb2848cfd27" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringCostAndReserveLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRestructuringAndRelatedCostsTable_4f1ac508-ad0e-4ba1-9bb1-b3fc47e4f352" xlink:to="loc_us-gaap_RestructuringCostAndReserveLineItems_3da45070-c51a-41ef-84a7-9cb2848cfd27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedInceptionToDatePercent_62c12e76-06bf-4399-9f6b-39271d53102a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedInceptionToDatePercent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_3da45070-c51a-41ef-84a7-9cb2848cfd27" xlink:to="loc_us-gaap_RestructuringAndRelatedCostNumberOfPositionsEliminatedInceptionToDatePercent_62c12e76-06bf-4399-9f6b-39271d53102a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringAndRelatedCostExpectedNumberOfPositionsEliminated_d6f270cc-87c8-495c-a017-6146b943933c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringAndRelatedCostExpectedNumberOfPositionsEliminated"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_3da45070-c51a-41ef-84a7-9cb2848cfd27" xlink:to="loc_us-gaap_RestructuringAndRelatedCostExpectedNumberOfPositionsEliminated_d6f270cc-87c8-495c-a017-6146b943933c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCharges_0e803cfb-663a-4ffe-9ecc-49a208dd557f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestructuringCharges"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_3da45070-c51a-41ef-84a7-9cb2848cfd27" xlink:to="loc_us-gaap_RestructuringCharges_0e803cfb-663a-4ffe-9ecc-49a208dd557f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_RestructuringAndRelatedCostOneTimeNonCashSavingsAmount_c3126206-ec0c-4c8b-8a5d-ec6aae2cc5ab" xlink:href="upst-20240930.xsd#upst_RestructuringAndRelatedCostOneTimeNonCashSavingsAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestructuringCostAndReserveLineItems_3da45070-c51a-41ef-84a7-9cb2848cfd27" xlink:to="loc_upst_RestructuringAndRelatedCostOneTimeNonCashSavingsAmount_c3126206-ec0c-4c8b-8a5d-ec6aae2cc5ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_PerformanceSharesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_us-gaap_NetIncomeLoss" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_DaveGirouardMember" xlink:href="upst-20240930.xsd#upst_DaveGirouardMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_upst_DaveGirouardMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_SukhinderSinghCassidyMember" xlink:href="upst-20240930.xsd#upst_SukhinderSinghCassidyMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_upst_SukhinderSinghCassidyMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_upst_KerryWhortonCooperMember" xlink:href="upst-20240930.xsd#upst_KerryWhortonCooperMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_upst_KerryWhortonCooperMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrExpirationDate"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrExpirationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
