MyPoint Credit Union, a San Diego-based financial institution, has partnered with Upstart, a prominent artificial intelligence (AI) lending marketplace, to expand its personal loan services to a wider consumer base.
MyPoint Credit Union initiated its lending activities as a partner on the Upstart Referral Network for personal loans in September 2025. This collaboration enables the credit union to leverage Upstart’s AI-powered platform to reach new audiences beyond its traditional channels.
Peter Butler, Chief Operating Officer at MyPoint Credit Union, stated, “As a San Diego-based, member-driven financial institution, MyPoint Credit Union is focused on designing lending experiences around the needs of today’s borrowers. By partnering with Upstart, we are able to grow beyond our traditional channels to reach new audiences, while delivering a modern, streamlined lending experience to more individuals across the communities we serve.”Through the Upstart Referral Network, personal loan applicants on Upstart.com who meet MyPoint Credit Union’s credit policies receive tailored offers. They then seamlessly transition into a MyPoint-branded experience to complete the online member application and closing process.
Michael Lock, Senior Vice President of Lending Partnerships at Upstart, commented, “We’re proud to have MyPoint Credit Union be part of the family of Upstart lending partners. By leveraging Upstart’s AI-powered, all-digital lending platform, MyPoint can expand its reach and deliver a fast, seamless borrowing experience to more creditworthy individuals across San Diego.”MyPoint Credit Union is a member-owned, state-chartered financial institution established in 1948, focusing on serving its community in San Diego. The institution aims to meet the evolving needs of individuals, families, and small businesses through new technologies and innovative solutions.
Upstart, headquartered in San Mateo, California, is an AI lending marketplace that connects consumers with over 100 banks and credit unions. Its AI models and cloud applications are designed to enable lenders to approve more borrowers at potentially lower rates while providing an efficient digital experience. More than 90% of loans on the platform are fully automated.
